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We use an Ethereum-based lending protocol
atop a network of licensed lending MSMEs
In emerging countries, countless family businesses own some kind of financial service license – MFI, pawning, remittance or currency exchange. These businesses often fall in the infamous SME financing gap and can’t scale their services.
As underwriters in the DApact network, they can exchange under-utilised capacity of this existing legal assets for additional business capacity.
With loan directly funded to a beneficiary’s wallet, underwriters can focus on lending operations, netting a 5% commission on each installment processed to cover operating expenses and possible loan default.
REWIRING
MICROLOAN
FINANCIAL
CIRCUITS
IT’S A LUDICROUS BUSINESS
Overly intermediated industry
7 financial intermediaries in average for a microloan to reach its beneficiary, and everyone takes his cut
Huge operating costs
The result of a non-tech savvy industry culture, out-of-age processes, and shadowy business practices
Steep interest rate
The average interest rate on legitimate microloans is over 18% flat rate globally
WE MAKE IT A NETWORK
Small lender uberisation
We leverage the unmatched cost efficiency of family businesses to develop the most effective microcredit system in the world
Direct bridges to the needies
We build a new express way for development agencies, impact investors and crowdlending platforms to reach out to their beneficiaries without the legacy intermediaries
Blockchain + free market principles
An incentive / liability scheme transforms small lenders into network oracles liable for the portfolio they manage
NOW THINK ABOUT IT
750,000,000 microloan users worldwide
It’s us. It’s emerging economies
Access to 350% cheaper loan
A penny saved is a penny earned, and we’re talking hundreds of dollars in saving
Scaling at the speed of light
The DApact is a mere lending protocol: network Trustees handle the legal hassle
THIS IS BLOCKCHAIN FOR SOCIAL GOOD
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[bb_sm bbsm_scene=”levy” bb_sm_mode=”yes”]Dramatically reducing microloans interest rate in developing countries[/bb_sm]
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from local lender[/bb_sm]
[bb_sm bbsm_scene=”moveallbubbles” bb_sm_mode=”yes”] from microcredit institution
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in the DApact network[/bb_sm]
We’re here to help social impact organisations better fulfil their missions
PILOT IN CAMBODIA
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MEET OUR KYC CHATBOT
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Borrowers just need Messenger to access the lending network
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Preliminary KYC processed through AI & OCR tech
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Borrowers produce a QR code to trustees to get their loan in cash. They only interact with fiat in the process.
HOW IT WORKS
TEAM
Pierre-Marie Riviere
Executive Director
Jean-Pierre Cheng
Tech
Antoine Blanc
Finance
Valerie Sfeir
Partnerships
Work with us
See opened positions on Angel.co
blockchaintothelastmile
