WE BUILD THE DAPACT

blockchain framework for microfinance

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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.
Vannak
  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]

 

 

 

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[bb_sm bbsm_scene=”moveallbubbles” bb_sm_mode=”yes”] 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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HOW IT WORKS

howitworks-whitepaper
howitworks – videohowitworks
Howitworks-microfinance
howitworks-pilotincambodia

TEAM

pm
Pierre-Marie Riviere
Executive Director
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Jean-Pierre Cheng
Tech
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Antoine Blanc
Finance
Valérie
Valerie Sfeir
Partnerships
hiring
Work with us
See opened positions on Angel.co

   blockchaintothelastmile

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