L-PESA

Wong linglong3

L-PESA BLOCKCHAIN COMMUNITY

financial technology platform L-Pesa

Hallo all .... I am here going to explain about an L-Pesa financial crypto exchange platform that creates smart blocker-based contract loans that enable people across the internet to grow their business and become successful entrepreneurs ... for more details read on Article this blog:

What is L-PESA?

L-Pesa created a smart blocker-based contract loan, allowing people across the internet to grow their business and become successful entrepreneurs. Powerful visionaries can take loans 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 huge 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 crypto financial exchange platform. L-Pesa will enable African residents to not only use money transfer and withdrawal services, 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 capable of making 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 as a response to social media messaging messages or SMS marketing messages. Along the time, L-Pesa expects

that a large number of account openings will come from referrals from existing users

4. Users apply for initial loan, usually for local equivalent to $ 1.00. In many cases, this app automatically

5. The next loan application is handled in the same way: automation

Based on the user's credit score is the key to success and scale

6. Once the loan is approved, the disbursements are processed in real-time

mobile money services such as M-Pesa or Tigo Pesa.

7. Users are given a payment plan and are expected to do regular

paying loan. Repayment is also made using mobile money service. Users can make prepay without penalty. Payment arrears will

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 language

Target market

The L-Pesa market target is a market of 40% of the population in the continent of Africa, India and southeast Asia. Its population is 3 billion and the 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 high proportion of un-banked service populations

on mobile money like M-Pesa is a good choice. India has a higher level

percentage of population with bank accounts, 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

base 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 its competitors in the upcoming mnsa. Limiting factor for

Growth is not expected to allow users to try L-Pesa but vice versa

availability of capital for loans.

The key business model of L-Pesa is:

● A highly automated back office system that allows virtually complete task automation tasks

● Integration with mobile money providers to obtain efficient loans

disbursement and collection of payments.

● The process of loan origination is very efficient - fully online and almost

fully automatic

● A proprietary credit rating model that has been adapted for

The first 35,000 lending issued by L-Pesa is resulted in a loss ratio below 10%.

Advantages

- L-Pesa customers have access to the most cost-effective options

help them improve their lives

- The third-party provider of L-Pesa modifica- tions can use their own modules

get the result menya

- Shareholders and employees of L-Pesa can obtain reasonable returns on their investment and workforce

Token L-Pesa

Token nаma: KRIPTON

Token ticker: LPK

Owner Token: L-Pesa Internal Business ltd., Gibraltar.

Financial Auditor:

Token type: Ethereum ERC20

Totall Token issued: a maximum total of 3,200,000,000. The final amount

the token will be calculated as the final contribution amount.

The final number will be issued at the end of ICO.

Bonus: during the pre-sale period, the participant will meet the shirt for

the following bonuses:

A. Tier1 - During the first 4 days - 15%

b. Tier2 - Selawa the next 14 days - 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%

Token distribution

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 available

perhaps after the completion of the ICO.

Intelligent Crowdfunding Contrast

The campaign will have two general stages:

- Presale, where the minimum contribution amount will be set

up to 5 ETH and bonuses offered will be 25%. Presale will take place for

30 days.

- General sales, where there will be no minimum contributions and bonuses offered 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 wallet

Coins automatically exchange tokens when distribution begins.

LIST

L- Pesa ICO timeline

Pre - sale starting March 10, 2018

Pre-sale ends on April 9, 2018

ICO starts on 10 April 10 2018

ICO expires on 10 June 10 2018

For more information please follow us here:

https://kriptonofafrica.com/

https://bitcointalk.org/index.php?topic=2910183.0

https://bitcointalk.org/index.php?topic=2885970.0

https://www.facebook.com/lpesacrypto

https://twitter.com/LPesaMicrofin

https://kriptonofafrica.com/static/pdfs/L-Pesa_ICO_white_paper_Jan_7_2018.pdf

Bitcointalk Profil: https://bitcointalk.org/index.php?action=profile;u=1229230