ZPER

ZPER

This is a decentralized peer to peer (P2P) financial ecosystem based on smart contract technology which easily connects P2P financial providers and robo advisors all over the world hence revolutionalizing the methods of fund transfers between borrowers and the lenders

PROS:

• The platform promotes faster  and transparent transactions on the network of block chain hence eliminating  any occurrence of disputes from the platform use
• The platform connects borrowers and lenders regardless of their countries currency enabling the lenders to reap higher returns while borrowers receive loans at lower interest rates
• The users are able to access a wide range of P2P investment product on the platform as its constitutes of reliable P2P companies all over the world
• The platform helps in securing the users investments  as all the transactions are transformed into P2P Based tokens which are linked to receivables  enabling cash flows generated from the loans
• The platform enhances utilization of data through reasonable compensation system  hence enabling the expansion of the scale and scope of the data needed for innovative credit evaluation
• The users are able to diversify  their investments to gain more profits  in a safer manner  through the platform as the robo advisors  can easily analyze  the investments products  in the platform with  their own algorithms
• The platform team involved is adequate with relevant skills in the related field enabling faster implementation of the  project

CONS:

• The platform token use is highly affected by the  sudden changes in related policies and laws
• The platform  white paper available in other languages cannot be used to solve disputes in case of occurrence
• The funds raised by the token during the pre-ICO stage are not fully secured and can lead to losses

SUGGESTIONS:

• The platform team should ensure the funds generated from the token sale during the pre-ICO stage to promotes easy project implementation
• The platform should engage internationally qualified  translators to enable adequate translation of the platform white paper into different languages

NOTE:

The platform provides a reasonable and secure P2P environment for the lenders and borrowers enabling them to gain higher profits from investing in the project making it vital and I would equally invest in it