ZPER ECOSYSTEM

Jakarta: 7 april 2018

DEFECENTRALIZED ECOSYSTEMS

FOR P2P FINANCE

ZPER is a “Decentralized P2P (peer-to-peer) financial ecosystem (Smart Contract Platform)” based on blockchain technology. This is a project aimed at providing innovative capital movements between investors and borrowers from all around the world through active cooperation from leading companies that are successfully running P2P Finance and RoboAdvisor businesses.
Investors, borrowers, P2P financiers, RoboAdvisor, NPL buyers, data providers, and other service providers from all over the world can participate in ZPER ecosystem. Each and every participant contributes to making P2P financing reasonable and convenient for everyone by exchanging various values such as linking investment and borrowing activities, composing a diversified investment portfolio, providing and exchanging data, risk analysis and bond management, and smooth, borderless flow of capital.

Project vision:

The effort is to create new, productive monetary conditions that transcend the margins and currencies. Due to dynamic participation of Best Steady organization in P2P Spearhead returns, the Group offers innovative flows of assets on a global scale.

Project token:
ZPR Token is a method of appreciation that all members of the biological system will use. These are used as cash on all exchanges, including P2P down payment efforts, development loan payments, information supply gifts, commissions for NPL buyers. By using ZPR, the exchange is stored directly and free of form and limit of money.

You have time to get your treasured of tokens.
Pre-Sale Starts: 17th March 2018, 05:00 UTC
Main-sale Starts: 16th April 2018, 05:00 UTC
Hardcap: 1,100,000,000 ZPR

ZPER ECOSYSTEM
You already know that Zper is a decentralized ecosystem that is based on blockchain technology. What you may not know is the wide range of individuals and companies that can engage in P2P finance around the world without worrying about distance.

Here is a breakdown of how the ecosystem works :

Investors

These are individuals (or institutions) that are interested in making profit. The thing is, they do this through investing in;
• Individual products of P2P finance companies
• Portfolios designed by RoboAdvisors
• Receivables for which other investors have requested resale

P2P Finance Companies

These companies are in complete control of everything related to investment. These include managing reimbursement, assessing borrowers, and generating loans. The management of loan agreement and loans differ with each country. This is because it is related to the geographical location and the cultural characteristics of a country.
As such, it should be conducted in accordance with the laws of each country. Hence, the need for P2P finance companies that are experts in loan business in their country.

Robo-Advisor Companies

These companies analyze investment products in Zper ecosystem with their algorithm based on some criteria. These include;

• Default rates
• Insolvency rates
• Investment period
• Rates of return etc.

They also serve the function of building portfolios that allows investors make more profit through effective diversification. A range of portfolios that were designed by multiple RoboAdvisor companies would be presented to investors to choose from. Some of them include;

• Safety-Oriented investment products
• Aggressive investment products
• Secondary products

NPL Buyer

These individuals (or institutions) are pledged to purchase non-performing loans. They serve as guarantors to investors.

Roadmap of the project:

2015–2017
Established the Funda / Midrate / Olley P2P financial platform
Established Finda’s financial product recommendation platform
Start ZPER
2018
Partnering with leading domestic P2P financial firms and RoboAdvisor
Advance Sales & Crowdsale
Introduction of basic ZPER Wallet services
list
ZEROBO beta service test
Expand partnerships
The complete ZPEROBO service begins
Beta Open Market Service beta test
2019
Open full of ZPER Open Market Services
Extended partnership

How do they do this?

They check the blockchain for information of loans and apply based on suggested rates that’ll guarantee the purchase. The loan that offers the best conditions through a smart contract will be picked. Individuals or institutions that are pledged to buy NPLs are usually required to pay a specified amount as deposit. This is to prove the performance of their commitment.

ZPER Team