ZPER is a loan and investment platform based on blockchain decentralization. Through this platform, we want to build an innovative P2P financial ecosystem that is in line with the value of P2P financial industry and the value of global data assets. The ZPER platform will build a P2P (Peer-to-peer) financial ecosystem that transcends national boundaries 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 now successfully operating P2P financial and smart investment advisory projects, we want to provide an "innovative" capital flow platform to investors and borrowers around the world.

The global P2P financial enterprises and information providers, smart investment advisors, NPL purchase contractors, etc. verified by ZPER committees in various countries, who provide a reasonable financial environment for borrowers and investors, freely gather together to exchange value based on trust and obtain legitimate compensation. Thus, through the ZPER ecosystem, borrowers can borrow at lower interest rates than before, and investors can get higher yields.

Project Vision

ZPER is developing the goal of further strengthening and determining the value chain in the P2P financial market and providing reasonable trading opportunities that all participants can trust.

To this end, the ZPER program embodies a financial ecosystem that meets the following conditions.

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

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

Project Highlights

Composition of a variety of investment commodities through the global P2P financial alliance

ZPER is an open ecosystem that all global P2P financial companies and related service companies can participate. Trusted by the world P2P financial companies provide a variety of P2P investment products here. At the same time, smart investment advisors participating in the ZPER ecosystem are composed and provided with a secure global distributed investment portfolio to minimize investment risks caused by changes in the internal and external financial environment. Safe investment is achieved through various financial services connecting the ecosystem, such as bond loss preservation insurance, NPL purchase agreements, etc.

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 will take effect after the investment contract is established. This will automatically adjust the obligations and rights between the parties based on investment and repayment of capital flows, whether the conditions for the performance of contracts, etc. At the same time, all interested parties can check the content of the contract and can clearly confirm it 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 proven companies. In order to maintain order in the ecosystem, the qualifications and status of all participants can be checked in real time. If a violation occurs, participants' activities may be restricted. This procedure can minimize the risks brought by P2P financial institutions and related service industries.

P2P bond principal and interest collection rights to tokenize to ensure investment flexibility

In the ZPER ecological world, the principal and interest collection rights generated in loan bonds will be tokenized (PLBT, P2P Loan Based Token). The investment products of each P2P financial enterprise will be communicated to investors and are linked to the rights of future cash flow generated from related loan bonds, namely the right to collect principal and interest, and can be traded through open markets, etc. PLBT will play the same role as the second cash within the ZPER ecological community, so investors can freely process this PLBT, and traders trade at a price that is consistent intent. In addition, not only the content of the principal and interest collection rights, but also the generated transaction details and relevant content related to the rights changes are recorded on the PLBT.

Expand data utilization by reflecting a reasonable compensation system

ZPER applies a reasonable compensation system to improve data credibility. Reasonable compensation provided by data authors and certified personnel is paid to the relevant data, and through this compensation, we want to further expand the scale and scope of data required for innovative credit assessment within the ZPER ecosystem. If the data is provided for innovation credit assessment, it will be reasonably compensated (consideration) based on the level of consent (scope) and value of the provider. The subject (needed party) of payment compensation can be any ecosystem participant such as ZPER, P2P financial enterprise or other information provider, and the same is true for payment compensation.

Application Scenarios

ZPER Wallet

ZPER Wallet is an important interface that closely connects token economic services and users. In addition, in the ZPER ecological world, ZPERWallet is a basic service used by investors and borrowers. Provides management, exchange, investment and repayment functions of ZPR for investment and loan application processes. Participants can use corresponding service functions such as exchange of ZPER Token (ZPR), mortgage and interest collection. In the future, various participants such as P2P financial companies, smart investment advisors, and NPL contract purchase companies participating in the ZPER ecosystem can also use the ZPER Wallet function. At the same time, the following expansion functions such as services can also be used in the ZPER Wallet in the future.

ZPERobo

Investors can check the records of each commodity of P2P financial enterprise. According to investors' personal preferences, they can directly invest in the asset portfolio formed after filtering the commodity of P2P financial enterprise, or diversify their investments in the asset portfolio recommended by smart financial consultants. Objective to the bond products of many P2P financial companies in many countries, most of the diversified asset portfolios are composed of smart financial consulting companies, and investors can make the best investments based on their investment orientation.

ZPER Open Market

Provides P2P principal and interest collection rights trading services among investors. Through this service, the seller can recover investment funds before the bond maturity, and the buyer can invest in a variety of bond commodities that meet the conditions in a timely manner. ZPER Open Market is reflected through the tokenization technology of P2P bond principal and interest collection rights developed by ZPER.

ZPER Data Monetizer

ZPER plans to operate a variety of projects to improve the competitiveness of P2P financial companies and revitalize the ecosystem.