thanx for your question , bro!
We clearly define what we do and how we do it (microlending, credit histories, scoring and risk analitics. )
Micromoney is well established in Ethereum community with a quality product.
Our technicaly capabilities of doing our project are beynd doubt."
HOW WE ARE DIFFERENT
Transparency. Micromoney is building first transparent financial company where all transactions will be visible on blockchain (loans disbursed, loans collected/defaulted >> all customers with their full credit histories).
Just like we can see bitcoin or ether moves, there will be the same with all our transactions. Our competition in lending or existing credit bureau don’t have this."
Independent. Each Loan or Individual Credit History is a separate smart contract that functions independently from Micromoney wallet.
Meaning we are not locking users to our wallet like PayPal, Alipay, WeChat. Our tokens can be used in any Ethereum erc20 compatible wallet (parity, MEW, Mist) or anybody can develop it's own.
Cross-border aspect. Cross-border microfinance services for individuals or SME are not offered by any of the competitors.
Our technology allows doing this at minimum cost and maximum speed of transaction. We connect industries that never were connected before, using blockchain technology.
"Credit score building with blockchain. Half of the world economy is circulating outside traditional financial system using cash as dominant method of payment.
2.5 Bln of people has access to loans from loansharks, but not financial companies/banks.
This does not help building credit history and got access to a credits. Micromoney first target to help building credit history for the underserved.