ZPER is a blockchain-based decentralized loan and investment platform. Through this platform, it is intended to create an innovative P2P financial ecosystem in which the value of the P2P financial industry is in line with the value of global data assets. The ZPER platform will build a P2P (Peer-to-peer) financial ecosystem that transcends national borders and currencies, bringing innovative changes to the global capital cycle.

Project Introduction

ZPER is a "decentralized P2P financial ecosystem (smart contract platform)" based on blockchain technology. Through active cooperation among leading companies that are successfully operating P2P finance and robo-advisory projects, they intend to provide global investors and borrowers with an "innovative" capital flow platform.

Global P2P financial companies and information providers, robo-advisors, and NPL purchase contractors verified by ZPER committees in various countries gather freely in one place to provide a reasonable financial environment for borrowers and investors, and exchange based on trust value and receive just compensation. Therefore, through the ZPER ecosystem, borrowers can get loans at lower interest rates than before, and investors can obtain higher yields.

Project Vision

ZPER aims to further strengthen and define the value chain in the P2P financial market, and provide reasonable trading opportunities that all participants can trust.

To this end, ZPER plans to embody a financial ecosystem that satisfies the following conditions.

- Trusted participation of global P2P financial companies
- Global information providers proactively provide creative information needed to evaluate borrowers
- Provide investors with a fully distributed global portfolio
- Cross-border Investment
- Irreversible management of all bonds and contracts
- Fair distribution of value exchange for multi-field participants

ZPER will start from the verified P2P financial enterprise alliance in South Korea, and reflect the active participation of various financial service companies and data providers in the blockchain network. Through this initiative, it is planned to build an alliance ecosystem consisting of more than 500 verified P2P financial companies, thousands of information providers, and more than 30 robo-advisory companies in more than 10 countries by 2019. This will bring innovative changes to global capital efficiency and the entire investment industry, and provide a stable environment for raising funds or investing through ZPER to more than 300 million individuals, more than 2 million dealers and more than 300,000 small and medium-sized enterprises around the world .

Project Highlights

Compose a variety of investment products through the global P2P financial alliance

ZPER is an open ecosystem that all global P2P financial companies and related service companies can participate in. The world's trusted P2P financial companies provide a variety of P2P investment products here. At the same time, robo-advisory companies participating in the ZPER ecosystem form and provide a secure global distributed investment portfolio to minimize investment risks caused by changes in the internal and external financial environment. Realize safe investment through various financial services connected to the ecosystem such as bond loss preservation insurance and NPL purchase agreement.

Create a transparent and sound investment environment based on smart contracts

ZPER cuts off the possibility of disputes in advance through the smart contract function. The smart contract function stipulates the roles, obligations, rights, etc. of each participant, and the investment contract will take effect after the establishment of the investment contract. This automatically adjusts the obligations and rights between the parties according to the flow of investment and repayment funds, whether to fulfill the contract conditions, etc. At the same time, interested parties can check the content of the contract, and it can be confirmed transparently after signing the contract. In addition, to improve the stability of the ZPER ecosystem, a ZPER committee was established to monitor participants. The ZPER committee is composed of verified companies. In order to maintain the order of the ecosystem, the qualifications and status of all participants are verified in real time. If violations occur, the activities of participants can be restricted. Through this procedure, the risks brought by P2P financial institutions and related service industries can be minimized.

Tokenization of P2P bond principal and interest collection rights to ensure investment flexibility

In the ZPER ecosystem, the right to receive principal and interest generated in loan bonds will be tokenized (PLBT, P2P Loan Based Token). The investment products of each P2P financial company will be conveyed to investors, linked to the right to receive the principal and interest of the future cash flow generated from the relevant loan bonds, and can be traded through the open market, etc. PLBT will play the same role as the second cash in the ZPER ecosystem, so investors can freely handle this PLBT, and traders will trade according to the same price. In addition, not only the content of the right to receive the principal and interest, but also the transaction details after generation and the content related to the change of rights are recorded on PLBT.

Expand data utilization by embodying a reasonable compensation system

ZPER applies a reasonable compensation system to improve data reliability. Both data rights holders and certifiers will be paid reasonable compensation for the provision of relevant data, and through this compensation, it is intended to further expand the scale and scope of data required for innovative credit evaluation within the ZPER ecosystem. If the data provided has even a little significance for innovation credit evaluation, reasonable compensation (price) will be obtained according to the provider's consent level (scope) and value. The subject of compensation (requiring party) can be any ecosystem participant such as ZPER, P2P financial companies or other information providers, and the same is true for the object of compensation.

Application scenario

ZPER Wallet

Wallet (ZPER Wallet) is an important link (interface) that closely connects token economic services and users. In addition, in the ZPER ecosystem, ZPERWallet is an essential service used by investors and borrowers. Provides management, exchange, investment and repayment functions of ZPR for investment and loan application process. Participants can use corresponding service functions such as exchanging ZPER Token (ZPR), staking and collecting interest. In the future, various participants such as P2P financial companies, robo-advisors, and NPL purchase contract companies participating in the ZPER ecosystem will also be able to use the ZPER Wallet function. At the same time, extended functions such as the following services will also be available in ZPER Wallet in the future.

ZPERobo

Investors can query the records of various products of P2P financial companies. According to their personal preferences, they can directly invest in the asset portfolio formed after filtering the products of P2P financial companies, or diversify their investment in the asset portfolio recommended by intelligent financial advisors. Targeting the bond products of many P2P financial companies in many countries, most of the scattered asset portfolios are composed of intelligent financial advisory companies, and investors can make the best investment according to their investment orientation.

ZPER Open Market

Provide P2P principal and interest collection rights transaction services among investors. Through this service, the seller can recover the investment funds before the bond matures, and the buyer can invest in a variety of bond products that meet the conditions in due course. ZPER Open Market is embodied by the tokenization technology of the P2P bond principal and interest collection right developed by ZPER.

ZPER Data Monetizer

ZPER plans to operate various projects to improve the competitiveness of P2P financial companies and activate the ecosystem.