KRIPTON ICO
Kripton Platform
The development of things, but unacceptable for all people around the world, still exists in some countries with economic problems, especially in countries that are still in development. Credit services in some of these countries are also difficult to formalize, some of these lending institutions require certain requirements from users. Therefore, we have created a platform that we call micro-finance L-Pesa.
L-Pesa Microfinance is a digital platform that has brought blocking as technology, so the transactions that are taking place will definitely be more secure and transparent, which will allow users to more easily use it. In this case, our Platform will improve people's lives through effective access to loans and financial services. This is how to make the world a better place for everyone.
Our platform is also a new generation of innovative financial technologies that will definitely be ready to quickly take advantage of the financial services needs of developing countries. The company has confirmed its operating model over the past 24 months and has built up the latest technology, automating most operations.
Goal
Krypton is a cryptic currency, developed by microfinance L-Pesa. Imagine that you only need a phone to get a loan; this is what Micro-financing L-Pesa intends to achieve with Krypton. This, basically, makes credit pay for a cripto intended for Africa; the first of its kind.
L-Pesa is a financial service that helps millions of people around the world provide micro-credit to help them get started or expand their business. The company has been in existence for three years with more than 150,000 registered users.
L-Pesa was founded to improve people's lives through effective access to loans and financial services. Ron Ezra Tuvalu, the founder of L-Pesa, spent most of his career working in developing countries and recognized ten years ago that the most effective way to improve people's lives is to provide access to credit and related financial services.
Since the foundation of L-Pesa, Ron has been focusing on achieving this vision. This is how to make the world a better place for everyone. L-Pesa began providing microfinance services in Tanzania in 2016, and expanded its services and geographic presence to a growing extent in search of vision.
Problems and Solutions
L-Pesa is not charity. L-Pesa is a pure business. Business gives us certain freedoms that no charitable organizations have. As a business, we must provide a return. We need to be extremely effective in promoting microfinance; the cost is $ 1,000 USA is the same as $ 100 USA, and due to operational costs banks and financial institutions are limited, how low they can go. Blochein provides transparency and efficiency that greatly reduces operating costs, making small loans viable.
We did this with phytate as an existing operation; blocking will allow us to expand our reach and reduce our costs. The cost of financing a bank does not allow us to reach the goal that most people need. Expansion of scope-based activities will allow us now to make services accessible to people who can not be served in banks or micro-credit organizations, since they were recognized as "non-profitable"
Advantages
The blockade technology provides transparency and efficiency, which dramatically reduces operating costs, as well as makes a small, viable lending. Forward in the field of artificial intelligence opens up new opportunities for automatic underwriting of loans, and new tools allow you to store a huge amount of data.
A unique developed lending model based on customer social network analysis combined with traditional and non-traditional credit data necessary for further evaluation and decision-making on cancellation of loans for a client.
Mobile financial services such as L-Pesa have become available in many countries and support banking and banking customers. On the basis of the penetration of mobile phones (smartphones and mobile phones), mobile money services such as L-Pesa, tigo Pesa and paym are already overgrown and included L-Pesa.
A biometric identification system will significantly reduce the cost and possibility of providing financial services without the network of a physical branch.
How it works
The L-Pesa model is partly based on the trust ladder: users start with minimal loans (typically $ 1.00) and receive more significant loans due to bad loans that have been successfully repaid. Other factors such as verification of accuracy affect the credit score. The entire loan process for L-Pesa will look like this:
The user registers the account in L-Pesa, often in response to a social network message or SMS. During L-Pesa, many new applications are expected to appeal to us based on the recommendation of existing users.
The user adds personal data documents such as a driver's license or passport to the L-Pesa account.
Employees of L-Pesa Company carry out automatic verification of personal data.
The user sends initial loan applications, usually in the local equivalent of $ 1.00. In many cases, this program is automatically approved.
All subsequent loan requests are treated in the same way: automation based on user credit rating is the key to success and scale.
After validating the credit in real time, payment is made using mobile devices such as M-pesa and tigo Pesa.
The user is given a schedule of payments on the loan, according to which he will make regular payments.
Redemption is also made through mobile money transfers. Overdue payments will affect the user's credit rating.
Customer support will be provided by the back-office L-Pesa team in Tanzania. User support is available in English and English
Swahili through social media channels, email and phone.
Details of the ICO
Token Name: Kripton
Ticker: Token
Token Standard LPK: Token ERC20
Token Price: 1 LPK = 0.02 USD Hard Cap $ 52M
Token Delivery: 2,600,000,000
Conclusion
Mobilizing support for microcredit programs in developing countries is an excellent tool for shaping, learning and strengthening ideology and motivation.
L-Pesa will be directed to markets supported by more than 40% of the world's population: Africa, the Indian subcontinent and Southeast Asia. At present, the population is over 3 billion man, and he is growing rapidly. L-Pesa mobile solution based on mobile phones. In the presence of the market L-Pesa significantly exceeds the creditworthiness of L-Pesa.
More Information Visit The DATAREUM Link:
Website - https://kriptonofafrica.com/
ANN Thread - https://bitcointalk.org/index.php?topic=2885970.0
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Telegram - https://t.me/LpesaICO
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