ABOUT A PROJECT:
INTERESTING DETAILS:
There are about 2 billion unbanked people. Most are agricultural producers. Average financial needs are 792$ so the market is over 1T$. We are the first blockchain project with a functional blockchain-based MVP that is attacking this niche market.
PROJECT:
Ethic Hub is an investment platform that universalizes access to highly profitable positive impact projects, by directly connecting investors to projects rated by risk level. Evaluation is carried out by people in contact with borrowers, profiting only from on-time loan payments.
PROPOSING SERVICES:
1 Investment product.
1.1 Private investment.
Access to a portfolio of investment opportunities in previously evaluated developing countries,
allowing diversified small tickets to be invested in different loans, thus achieving a great balance
between profitability and risk no other platforms can match. Investor’s use of the platform fee (Ethics
Partner’s and LendingDev’s commission) in only paid if profits were generated by his/her investment
(Only-in-Success-Fee).
1.2 Institutional investment.
Access to a new type of asset to diversify your investments, with an attractive return product and high
liquidity. Investor’s use of the platform fee (Ethics Partner’s and LendingDev’s comission) is only paid if
profits were generated by his/her investment (Only-in-Success-Fee).
1.3 New investors referrals:
An investor who is already an user at Ethic Hub, will receive an economic incentive for each new
investor they refer to the platform, benefiting from their successful investments and thus motivating
them to share their satisfactory user experience.
2 Financing product.
Borrowers. Access to the best interest rates available. In addition, we help to build an online reputation
and credit history for our users; facilitating their access to credit from other suppliers and even improve
other business relationships.
3 New jobs Generation
Access for Local Nodes to a new form of self-employment where they can help their community while
earning a lucrative merit-based income.
4 DataMining services for Business.
Past the initial stage, the database generated through operation will allow many companies, banks,
financial institutions, service providers, e-commerce, etc. to increase their client base and to foment their own knowledge of their needs (previously consulting this users, which would also benefit
economically from these agreements).
5 Insurance marketing
Insurers and even individuals aligned to Ethic Hub philosophy may offer default and exchange rate
assurance services to investors.
Exchange which will work with EthicHub platform will convert the tokens from the borrower’s wallet to their local currency. When the local currency will be used to pay the loan, the exchange will convert it again into tokens and send into the definite investor’s wallets.
In EthicHub, financial intermediation is eliminated through Blockchain developed Smart Contracts, allowing for faster, more efficient and safer payments. This operating cost reduction enables an increasing profit margin, benefiting mainly borrowers and investors.
We want to make a fair distribution of the profits between the borrower and the lender. Our platform fees are only-in-success fees (except for exchange fees). These fees are used to cover insurances, local node benefits, and operative costs. The rest will be spent into development and marketing to bring lenders to the platform.
FOUNDERS:
- Jori Armbruster / Leadership Node. University Degree in Marketing. Master Degree in Innovation and
Enterpreneurship. CEO Experience in Thisa, B2B distribution company in Spain with over 100
salespoints. email / linkedin - Pablo Chang / Projects Node. Industrial Mechanical Engineer. Founder and CEO of Satori Koan,
financial entity in Mexico specialized in intermediating credit to agricultural sector with a volume of
over 10 million euro and more than 8,000 borrowers. email / linkedin - Raúl Martínez / Technology Node. Electronics Industrial Engineer, software developer, entrepreneur. U-
tad Associate Professor on Mobile Platforms. CTO, Lead developer and Co-Founder of BarSpace, an
app to discover all events at bars and pubs in London. R&D Software engineer at Samsung
Electronics. Mobile platforms developer email / linkedin / github
(ETHIX) is used to mitigate the Default and Exchange risk of the platform, incentivize key stakeholders, provide premium access to advanced platform features, and to include business services for borrowers on the platform.
Official links:
https://www.ethichub.com
https://t.me/ethichub
https://t.me/ethichuben
https://twitter.com/EthicHub
https://www.facebook.com/ethichubcrowdlending
https://medium.com/ethichub
https://bitcointalk.org/index.php?topic=2779268