SEMI TOKEN is a cryptocurrency launched for people with low credit, low income or people suffering from emergency disasters. Also known as "Chemitoken". SEM TALKEN is conceiving a project to simplify the method of loan progress, lower the interest rate, and increase the limit at the time of loan progress, making it the main model for actual commercialization. Summary: SEM TALKEN is a platform that minimizes high-interest or harsh loans as the number of borrowers increases due to economic deterioration. The ultimate goal of the seminar is to break the existing credit evaluation method and framework formed by the repayment ability of high-credit and high-income people, and provide a system and a higher limit for low-credit and low-income people to smoothly carry out loans. , to provide them with a chance at life and a chance at recovery.