Decentralized Loan and Investment Platform Based on Blockchain Technology

Problem
The existing financial institutions have utilized economic and political assets and the exclusive nature of the financial industry to monopolize the market for a long time, requesting excessive costs from both those who want to make an investment and those who want to raise funds. Besides, under their strict and conservative credit rating policies, loan applications of financially disadvantaged people (e.g. students, immigrants, etc.) with no record of financial transactions have been denied or disadvantageous—excessive interest rates and low credit lines have been applied for them.

Against this backdrop, P2P finance companies have emerged and been showing a fast development with the help of the advanced digital technology. Research and Markets, a global market research institution, has predicted that the worlds P2P finance market will grow by an average annual rate of 53.06% in five years from 2016 and 2020, and Morgan Stanley's annual report for 2015 forecasts that the size of the P2P finance market will grow to 490 billion dollars all around the world by 2020. Such an upward trend in P2P finance market is expected to continue for a while.

Overview ZPER
ZPER is a decentralized loan and investment platform based on blockchain technology. We aim at creating an innovative P2P finance ecosystem by combining industrial values of P2P finance and asset values of data all over the world. ZPER platform will establish a P2P (Peer-to-Peer) finance ecosystem that transcends country and currency and thereby bring about innovation in the global flow of funds.

In ZPER ecosystem, participants who are necessary to provide a reasonable finance environment for both borrowers and investors, e.g. P2P finance companies recognized by the ZPER Councils of each country, data providers, Robo Advisors, and NPL purchasers, are able to freely meet with each other, share values on the basis of trust, and receive fair compensation. Borrowers can then take out a loan with a lower interest rate than before while investors can enjoy a higher rate of return.

To this end, ZPER aims at creating a financial ecosystem that meets the following conditions:

• Participation of global P2P finance companies that can be trusted
• Voluntary provision of creative data necessary for borrower evaluation by data providers
• Provision of sufficiently diversified global investment portfolios to investors
• An investment that transcends the borders
• Irreversible management of all bonds and contracts
• Fair distribution of values shared by different participants

ZPER TOKEN
ZPR token is a method for esteem trades that all members of the ecosystem will utilize. It is utilized as a cash in all exchanges, including ventures for P2P advances, repayment of developing credits, rewards for information suppliers, commissions for NPL buyers. Exchanges will be kept straightforward and free from monetary forms and limits by the utilization of ZPR.

• Total Issuance: 3,500,000,000 ZPR
• ICO Issuance: 2,200,000,000 ZPR
• Tokens for Pre-Sale and Crowdsale: 1,100,000,000 ZPR
• HardCap: 48,000 ETH
• SoftCap: 5,000 ETH
• Currency Accepted: ETH

Token Sale
The total issuance of the token sale is 3,500,000,000 ZPR. However, only 2,200,000,000 ZPR would be made available for the ICO, with the pre-sale and crowdsale claiming 1,100,000,000 ZPR. While 50 percent of the token was allocated for the token sale, the ecosystem is supposed to receive 22.3 percent of the token.
Seventeen percent of the token will be allocated to the team behind the project and advisors, while 10.7 percent goes into reserve.

The hard cap and soft cap is 48,000 and 5,000 ETH respectively. And the accepted cryptocurrency for this token sale is Ethereum.

For More Information :

Website: https://zper.io/
Whitepaper: https://zper.io/paper/Whitepaper_Eng.pdf
Facebook: https://www.facebook.com/ZPERplatform/
Twitter: https://twitter.com/zper_team
Telegram: https://t.me/zper_kr_official

Profile Bitcointalk: https://bitcointalk.org/index.php?action=profile;u=1113772
ETH : 0xd395c300C4999FB0846D9Ba9Fe4002cD0839837d