What is L-PESA?
L-Pesa created an intelligent blocker-based contract loan, allowing people on the internet to grow their business and become successful entrepreneurs. Vigorous vision can take a loan in Ether or Bitcoin and then participate in the L-Pesa stolen market that facilitates peer-to-peer lending: the first crypto loan service in Africa.
Africa is a great continent, where more than a billion people live. From an economic point of view, this is a very promising area. Now there are more solutions to improve the quality of life of the hottest continents. One of these ideas will be discussed in this article.
The L-Pesa project is a financial crypto exchange platform. L-Pesa will allow African citizens not only to use money transfer services and withdrawals, but will also provide the opportunity to receive micro-loans without filling out a large number of documents, avoiding the long wait for a response from the bank. All you need is to have a phone with a mobile app.
This project is able to make a truly revolutionary breakthrough. That's why participation in ICO L-Pesa can be a very good investment. The team will release their own Kripton token, which has all the chances for a great future. Perhaps the truth is in the creator's statement: "L-Pesa - bitcoin for Africa" is. Therefore, everyone can join the company.
L-PESA SERVICE SYSTEM
1. Users register accounts in L-Pesa, often in response to social issues
media messages or SMS marketing messages. Over time, L-Pesa expects a large number of accounts to come from existing user referrals.
2. Users add documentation to their L-Pesa account, usually
identification documents such as driver's license or passport
3. Users register accounts in L-Pesa, often in response to social media messaging messages or SMS marketing messages. Over time, L-Pesa expects
that a large number of account openings will come from referrals from older users
4. Users apply for initial loan, usually for local equivalent to $ 1.00. In many cases, the app is automated
5. The next loan application is handled in the same way: automation
Based on a user's credit score is the key to success and scale
6. Once the loan is approved, the disbursement is processed in real-time
mobile money services like M-Pesa or Pesona Tigo.
7. Users are given a payment plan and are expected to do regular
repayment loan Repayment is also made by using mobile money service. Users can make prepay without a fine. Payment arrears will be
impact the user's credit rating and will generate an automated message to the user. Handling delinquency is very efficient, resulting in a loss ratio of less than 10%.
8. User support is handled by the L-Pesa back-office team in Tanzania. User support is available in English
Target market
The L-Pesa market target is a 40% market population in the continent of Africa, India and Southeast Asia. Its population is 3 billion and its population is growing very fast. India
is at 92% penetration and many African countries are above 70%. L-Pesa
work on smartphones and feature phones. L-Pesa relies on mobile money service providers for liquefaction and collection, making the process quick and efficient. Many countries were initially targeted by L-Pesa to have a proportion of the population of services that are not abundant
on mobile money like M-Pesa is a good choice. India has a higher level
percentage of population with bank account, and Aadhaar biometric ID
The database is now connected to the bank account, making the disbursement and
Collections in India are potentially very efficient in the near future.
Dependency on African money service users restricts L-Pesa users
basis for users with mobile money service wallet. Until mid-2017, there
about 170 million wallets are used in Africa. In India, more than 1 billion
Aadhaar users have contacted their bank account.
The available L-Pesa market will far exceed L-Pesa's loan capacity
and all of its competitors in the upcoming mnsa. Limiting factor
Growth is not expected to allow users to try L-Pesa but vice versa
availability of capital for loans.
L-PESA KEY BUSINESS MODEL IS:
● A highly automated back office system that allows task automation tasks to be almost complete
● Integration with mobile money providers to get an efficient loan
disbursement and collection of payments.
● The process of loan origination is very efficient - online completely and almost
fully automatic
● Customized credit rating model that has been adjusted
The first 35,000 loans issued by L-Pesa resulted in a loss ratio below 10%.
BENEFITS
- L-Pesa customers have access to the most cost-effective options
helping them improve their lives
- Providers of third-party L-Pesa modifications may use their own modules
get the result menаrik
- Shareholders and employees of L-Pesa can earn reasonable return on investment and labor
TOKEN L-PESA
Token name: KRIPTON
Token ticker: LPK
Token Owner: L-Pesa Internal Business ltd., Gibraltar.
FINANCIAL AUDIT:
Token type: Ethereum ERC20
Totall Token issuing: maximum amount 3,200,000,000. The final amount
the token will be counted as the final contribution amount.
The final number will be issued at the end of the ICO.
Bonus: during the pre-sale period, participants will fill the shirt for
the following bonuses:
A. Tier1 - During the first 4 days - 15%
b. Tier2 - Selawa 14 days ahead - 10%
c. Tier3 - Over the next 28 days - 5%
d. Tier4 - Over the last 14 days - 0%
Day bonus amount
Airdrop for 30 days no bonus, Presale 30 days 25%, Level 1 4 days 15%, Level 2 14 days 10%, Level 3 28 days 5%, Level 4 14 days 0%
DISTRIBUTION TOKEN
57% Public (from all created tokens),Team and Advisory 20%,Bounties Program 1%22% Reserve (airdrop)Locking period: L-Pesa underwent 12 months of confinement.Transfer Token: Token will be transferred to buyer upon payment of ICO confirmation / settlement. Token will be activated only after ICO completion. Furthermore, token transfers are only availableperhaps after the completion of the ICO.Intelligent Crowdfunding ContrastThe campaign will have two general stages:- Presale, where the minimum contribution amount will be setup to 5 ETH and bonuses offered will be 25%. Presale will take place for30 days.- General sales, where there will be no minimum contributions and bonuses offered are as follows:a. During the first 4 days - 15%b. Over the next 14 days - 10%c. Over the next 28 days - 5%d. Over the last 14 days - 0%Public sale will last for 60 days.The minimum funding objective (soft cap) is $ 5,000,000 and the maximum of funds received (hard cap) is $ 25,000,000. One token tentative price is USD 0.01.Let's join before the pre-sale token!You will get 1,000 coins ($ 18.00) for free directly to your walletCoins automatically exchange tokens when distribution begins.Sign up below to get your free coins right now!LIST
L- Pesa ICO timelinePre - sale starting March 10, 2018Pre-sale ends on April 9, 2018ICO starts on 10 April 10 2018ICO expires on 10 June 10 2018FOR MORE INFORMATION PLEASE FOLLOW OUR HERE:
Wedsite: https://kriptonofafrica.com/whitepaper: https://kriptonofafrica.com/static/pdfs/L-Pesa_ICO_white_paper_Jan_7_2018.pdfANN: https://bitcointalk.org/index.php?topic=2873068.0Facebook: https://www.facebook.com/kriptonlpk/telegram: https://t.me/joinchat/HbNNkBLQJkw7765Ri7tg7wTwitter: https://twitter.com/LPesaMicrofinBounty: https://bitcointalk.org/index.php?topic=2910183.0Author : alam semesta
