PayPe的核心部分之一是它的市场，这是一个 为中小企业，买家，贷款人和投资者提供全面的空间 提供和发现由PayPie风险保障的财务机会 分数算法。
2016年12月 - 2017年7月
2017年10月 - 2017年11月
2018年3月 - 2018年4月
2018年5月 - 2018年6月
2018年9月 - 2018年10月
2019年1月 - 2019年2月
$84 419 135
$27 500 000
Opportunities:The problem that PayPie is tackling is large. Many SMEs struggle to obtain financing from banks. It would really help the SMEs if they could obtain easier financing because of technology advancement.Network effect is present. The more companies use the PayPie platform, the more valuable the platform is.
Concerns:PayPie is a white paper project with a lot of promises in many different areas – we believe they are trying to do too many things at the same time.PayPie is going to tackle different industries including accounting, credit assessment, and invoice financing. They will create a stable coin and a marketplace.The timestamping of journal entry makes sense but other features that they are proposing are just too much for the scope of this project in our opinion.Stable coin is itself a difficult enough task to be a standalone blockchain project. In the whitepaper, this feature is just casually brought up without any explanation of the technical details, almost as an afterthought. Based on this, we are not sure how well thought out the business plan is.They are trying to change the accounting and banking industry. There are a lot of regulatory and compliance issues arising from operating in these two industries.The idea of connecting all the companies’ books to a decentralized accounting platform is very difficult to succeed because it involves persuading many companies to change something as fundamental as accounting system. A more established company/regulatory body may have a better chance of pulling it off, but we believe it would be hard for PayPie given the background of the team.
Conclusion:Overall, we are neutral about the ICO’s short-term potential and dislike its long-term potential. Our thoughts of the tokens for short term and long term are as follows:For short-term holdingNeutral. The project has received above average market awareness, but the project is currently at idea phase without any product to show for, which can turn off some potential participants. The first milestone after ICO is launch of the platform, which is scheduled to be in March to April 2018 (4.5 months after ICO), meaning that there won’t be much news flow about the project shortly after the ICO.For long-term holdingNegative. This project is highly ambitious and aims to disrupt a few large industries (accounting, credit assessment, and invoice financing).With little information in the white paper about (1) the technical details about how exactly the tech is going to work, and (2) the future roadmap and how the team will execute on its plans, we have reservations about the team’s ability to pull off such an ambitious project.
PayPie is a company that aims to create a credit risk assessment technology for the world of blockchain accounting. The company wants to solve problems in the world of risk assessment through the use of blockchain technology.