Everex正在创造一个全球化的包容性经济 区块链支持的小额信贷和汇款服务。该 公司的产品主要集中在四个主要目标上。 Un-和 欠款,超过20亿个人没有银行账户 传统的银行业务是不能够服务的 高成本,Everex提供即时获得小额贷款 服务和便宜的全球汇款服务。另一方面 我们有农民工和他们的家庭,他们必须付钱 leonine收费正常的汇款公司。 Everex提供的 最快,最便宜和最简单的方式来发送农民工 钱回家养家。另外很有意思 服务是提供重点游客和正在移动的外籍人士 在不同的国家和需要以不同的货币兑现。 感谢Everex,而不是获得旅行支票,或支付 转换费过高,外国游客可以购买 并在世界任何地方使用任何货币。最后,Everex 援助组织,非政府组织和政府精简救济和援助 外援计划,允许轻松和公开审计 向发展中国家分配资金。 
工作原理
区块链支持的小额信贷和汇款服务
充值资金
- Everex投资合计资本提供小额信贷 服务,可以在全球范围内即时访问 设备。
- Everex计算个人信用评分并确定风险 基于个人用户信息和利率的利率 行为。这使我们可以借给数十亿人 不能通过传统方式获得小额信贷服务 渠道。
- Everex交易是在100%的背上进行结算的, 以太坊为基础的Cryptocash货币。对于每一个Cryptocash美元, 一美元是在一个公开可查看的第三方举行 托管。
- Everex建立了一个由合作伙伴和供应商组成的全球网络 接受Everex交易作为付款,同时运作 Cryptocash可以兑换法币的兑现站点 货币。
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验证 0%
注意。未经证实的成员实际上可能不是团队成员
验证 0%
注意。未经证实的成员实际上可能不是团队成员
Opportunities:
Experienced team with different successful projects on Ethereum under their belt.
The team has already tested their project in the real world with great results.
There is a large demand for the services – Everex can help those who are unbanked, especially in the developing countries.
Network effect is present for the platform. The more users Everex has, the more valuable the platform is because it would be easier to find borrowers and lenders with different credit profile.
Everex will use 20% of its net profit to buy back EVX, which provides another way for the token to appreciate in value.
Concerns:
Everex is potentially in competition with Omise GO as they are both focused on the unbanked in Southeast Asia. You can find my analysis on Omise Go here:
Omise GO is more B2B while Everex is more B2C. However, end users can still choose between Everex or Omise GO's corporate customers.
Everex has a more ambitious plan of expanding into mature and emerging markets globally.
Omise GO has a head start with funding from both ICO and traditional VC, possibly in adoption too.
Omise GO is only a wallet platform, doesn’t do microlending.
Omise Go is acquiring another company in the payment space.
Conclusion:
Overall, I dislike the ICO for its short-term potential but like its long-term potential. Our thoughts of the tokens for short term and long term are as follows:
For short-term holding:
Neutral because of the relatively long lock-up period. For the short-term, it is very important to be able to liquidate the tokens quickly and this is not the case with EVX.
For long-term holding:
Good because of the strong team and genuine need for Everex’s products. Omise GO is in competition with Everex but the market is large enough for both projects to thrive.
You can download the Everex wallet today for Android (an iOS version is scheduled to be released in the future). It’s also available through your web browser at Everex.cash (available on iOS, Mac, and PC).
If the company is successful, its global remittance system will absolutely change the state of international business.
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