SOFIN is an international phyto platform for P2P lending based on Blockchain technology.
Have you ever heard of P2P lending ? Perhaps some of you will not know what to answer this question, because this system very often accompanies us during some specific financial issues , but we do not know exactly what is called this or that process. Do not be surprised, and it happens. But I think that most people know this, or they even heard about such a system as P2P lending.
So, P2P lending is something that will allow you to feel financially secure,as it does not sound strange. Let's briefly understand what kind of system it is.
P2P lending ( "Peer-to-Peer" ) is otherwise called equitable lending or equitable investment , which is a process of lending money without attracting traditional financial intermediaries - banks or other financial institutions . That is, responsible for your credit is another individual , who also like you, is advantageous to lure your money into action . This is a very convenient system for both sides, which are in a favorable position, and both are in favor .
In the crypto-currency world, now there is a project that is ready to use this credit system - this is a project called SOFIN - https://sofin.io/ , which provides an international phyto platform for P2P loans based on the Blockchain technology.
A project with such an idea has a very great potential. And in the future, and indeed, can replace the activities of banks and legal entities that are associated with lending. You know, it would be very cool and very convenient . Perhaps, while you still do not understand this completely, but trust me, this scheme will bring success to our world.
Let's take a closer look at how the SOFIN project platform works . Several individuals can participate in the process , one of them is borrowers , the other is creditors .
So, a person wanted to take a loan (we will call it a " loan ") - this person is a borrower . He places a certain application for getting a loan , indicating in it information about how much money he needs , in what currency , how long he wants to borrow money, what percentage of payments for his creditor he agrees . That is, you understand, the borrower man puts the conditions himself! They no one runs, no one sets its own rules, its own requirements! It is amazing.
The person-borrower is offered a certain list of rates, which would be convenient for him . This rate is represented by a set of information on the amount of borrowed money, the period of their loan, and interest - for example, the rate of $ 500 (or $ 200) for 2 weeks, the desired percentage of the lender is 20% (or 15%, or 13%, or 10% or 7%).
Further, on the other hand, in this process a creditorparticipates , which is ready to give a certain amount of money to borrowers for the borrower. Lenders also create applications , which also indicate the amount they are willing to lend, the period for which they take up this amount and the percentage that they should receive depending on the loan of a certain amount. It's simple!
Then these two people find their applications according to their criteria and, simply, make out their P2P lending in online mode . This is a standard scheme, it is already thought through to the end. The SOFIN project decides to further improve this system! SOFIN proposes to improve the way of obtaining a reliable loan with secure scoring (the system of assessing the credit status of a person) and verification (the process of authenticating the data) of an individual - this is scoring based on AL & machine learning - using artificial intelligence , which features extreme reliability, speed, impossibility of making mistakes.
More information on the official website of the project - https://sofin.io/
Using this technology, when placing their applications, creditors will be able to take into account the credit rating of a certain borrower , and then he can independently decide on the terms of the loan, whether he wants to deal with this person or not , whether it will be profitable for him and reliably cooperate with him , and other.
SOFIN itself will look for the right borrowers for creditors and vice versa, the project itself will offer them options for their choice. In addition, using the Blockchain technology, this project preserves and completely stores in the future the entire history of credit transactions , and other transactions that are associated with smart contracts.
The consistency and strategy of SOFIN is very accessible and easy to understand, and very convenient for you. Let's start with the lender : he issues a certain amount of money to the borrower by replenishing the borrower's account and paying the required commission percentage for the platform - this is 9% - then all necessary documents are generated automatically for the transaction for both (or more) parties, using a smart contract . All these actions are stored on the SOFIN project platform as a Blockchain transaction . And the borrower calmly and without problems displays his money on his card or his account.
It should be noted to this whole process that the creditor can replenish the borrower's account by issuing a loan, in the form of SOFIN tokens(although up to 20% of the amount can be contributed to tokens ). The system in turn automatically redeems these tokens. Also, I am glad that in the future, the creditor will be able to transfer other crypto-currencies.
Do not forget that the lender naturally benefits from this crediting process - he is credited with bonus tokens SOFIN in the equivalent of 1.5% of the amount that he transferred on credit.
Now we focus our attention on how the money that was taken on credit will be returned . The Borrower, after a certain time, indicated earlier with respect to the period of the transaction, replenishes the creditor's account for the same amount that it points to loans. Everything also happens with the help of a smart contract . From this transaction, the borrower receives a reward - on his purse there is an accrual of bonus tokens from SOFIN in the form of 1.5% relative to the transaction amount . It is worth noting that the borrower can return the money in parts or in whole - it is also very convenient.
In turn, the creditor, with a smile, gets his money back in the desired fiat currency . The important point is that the creditor can receive the return of interest on the loan in the form of a currency (with the help of which he pays income taxes) or receive a refund of interest by SOFIN tokens and at the same time no taxes are paid . True, interesting? - Yes, for me. I will remind you that all actions are stored on the platform as a Blockchain transaction . To learn more, go here - https://sofin.io/
If, suddenly, money does not return - everyone is worried, the lender is on his nerves, that he does not get his money back - it's a delay - then a dispute opens. The SOFIN project assumes the responsibility to contact the borrower and clarify all issues of interest to him and the lender . SOFIN negotiates with the borrower, then he automatically submits the debt to the collectors and begins to generate all the necessary documents for the court. With a positive scenario of the advent of a particular trial process, the borrower returns money to the lender , since he has nowhere to go. All operations and processes are recorded and stored on the platform.
The advantages that SOFIN offers :
- the credit transaction system is always open ;
- all actions are saved ;
- Blockchain technology is used ;
- all participants and users of the platform receive bonuses and rewards for their active work;
- legal purity and transparency are provided ;
- there is its own Guarantee Fund.
The main basis of the SOFIN platform is the verification of an individualbased on passport data ; verification is due to the verification of the card , credit history ; formation of the borrower's rating is due to the reliability of its transactions . All documents are generated automatically, in addition, these documents are fully legally effective.
SOFIN tokens can be very widely used in this platform. Part of the loan (or, more precisely, 20% of the loan amount) can be issued with SOFIN tokens - the system will itself manage the process by transferring SOFIN tokens into fiat money. SOFIN tokens can be used as an intermediate link when exchanging a currency for another currency , which the borrower wants to borrow, of course, that SOFIN tokens can be traded on exchanges or bought them, while also earning well. All SOFIN token holders will have different advantages compared to other users of the system (this is a convenient interface, favorable bonus conditions and much more).
It is very important to note the moment that large holders of tokens will be marked in the system as reliable participants. If necessary, they will be able to borrow money under more favorable conditions , they will receive various bonuses , they will have a commission for issuing loans, such people will be provided with process guarantees , the system will even be able to pay their money, in cases of force majors with deals, such people will have the highest rating in the system , than will attract a huge number of investors.
It is planned that the cost of the SOFIN token will increase every day , and after a while the cost of the SOFIN token can grow up to $ 20 during the year from the beginning of the service launch.
You can get SOFIN tokens in so many ways:
- acquiring on pre-sale , purchasing on ICO ;
- receiving as bonuses giving out loans in the SOFIN system;
- receiving instead of fiat money in lending , in the case of a creditor;
- tokens of cashback from the commission when lending in the system;
- bringing into the system of new borrowers and creditors, with the help of the so-called referral system ;
- having received tokens as a reward for their participation in the bounty campaign of the SOFIN project;
- acquiring already, directly, after the ICO on the stock exchange (but it is very likely that it is already more expensive).
Have time to buy your treasured SOFIN tokens!
Now preliminary sale of the project's tokens - PreICO , which started on November 6, 2017 and lasts until November 19, 2017 - is being carriedout .
The cost of the SOFIN token at the main stage of PreICO costs $ 0.5 US , at the bonus stage of PreICO the cost will increase, and will be equal to $ 0.8 US . Do not think! Do not miss this chance, my friends!
Purchase tokens - https://sofin.io/
ICO project SOFIN will start on December 11, 2017 and last until December 23, 2017. During this time, you will be able to invest in a SOFIN token, the value of which will be $ 1 US . What is important is that after the ICO, that is, after December 23, the cost of the SOFIN token will increase - one SOFIN token will cost $ 2 US . For this, do not delay until the last, and buy SOFIN tokens right now by clicking on the link - https://sofin.io/ !
You will become a successful trader and investor with this SOFIN project!With such a project, success will come very quickly . I guarantee you, because I am confident in this project SOFIN!
If you are not self-confident, or unsure of the people who will be borrowing money - do not worry about it! SOFIN has already taken care of your safety and your peace of mind, it guarantees success and profit in your life! Be with SOFIN - find your money smart!
For more information about this wonderful and successful project, please follow the links below ↓
The official branch is the English-language branch of the "SOFIN" project on Bitcointalk - https://bitcointalk.org/index.php?topic=2256941
The Russian-language branch of the "SOFIN" project on Bitcointalk - https://bitcointalk.org/index.php?topic=2257039
White Paper of the SOFIN project in English - https://drive.google.com/file/d/0B-Mzf44S_dQMeEliOWhodUVDZTg/view
White Paper of the "SOFIN" project in Russian - https://drive.google.com/file/d/0B-Mzf44S_dQMNzJrVGlXWFRkWDA/view
My profile on the Bitcointalk forum : https://bitcointalk.org/index.php?action=profile;u=1146310
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