Introduction
Conventional banks that exist today have helped many millions of people in obtaining financial services, both for the bottom, middle and upper class. And one of the financial services provided by conventional banks today is credit for businessmen and SMEs (Small and Medium Enterprises). But in reality now many SMEs can not get credit from conventional banks, because they can not meet the requirements of the Bank. And conventional banks prefer larger businesses / companies in lending loans compared to SMEs, because companies are considered more capable of managing businesses and businesses in the business, and the Bank also wants to avoid the possibility of bad credit from SMEs.
So this causes the SMEs have difficulty to get credit and of course also will be difficult for them to develop the business they live. Conventional banks that exist today should prefer the SMEs to advance and improve their economies. But the reality is different, and now blockchain technology provides an opportunity for SMEs in order to facilitate them in getting credit and other financial services. And a start ups named Datarius will provide this service, and their services are not just that but there are many other benefits. Follow this review from Datarius to find out what other benefits it provides to the world's cryptocurrency community.
What is Datarius?
Datarius is a decentralized P2P (Peer-to-Peer) platform backed by Blockchain technology that will provide services just like traditional banks, but at a much lower cost. Datarius will be the Bank for everyone in this world without exception including people who do not have the National ID, because currently there are about 1.5 billion people in this world who do not have ID so they can not get services from conventional banks. And with the Datarius it is possible for them to get financial services like conventional banks, such as Credit for SMEs, Giro, currency exchange, Direct Loans, Investment Program and others. Datarius also provides a way for borrowers and lenders to connect with each other. Other services include financial managers, analysts, insurance companies, funds, and trading terminals.
How does Datarius work?
The Datarius platform will provide many benefits to everyone with cryptocurrency, everyone around the world can access its products and services within the platform. And financial services that are owned Datarius is like a conventional bank with several advantages, such as having a much lower cost and can be accessed by everyone in this world without exception including people who do not have an official national identity.
In the platform we can send and receive money at a much lower cost, we can also be involved in borrowing and borrowing P2P. In addition, we can talk with investment advisors and also can access credit for small or medium business. In general, Datarius wants to provide services as well as conventional banks for the cryptocurrency community, but with better benefits and at a lower cost. Even Datarius can provide services as well as banks 30% lower than conventional banks. One of the highlights of this Datarius is the existence of a credit rating system in P2P lending which the credit rating system will assess the user's viability as a lender. In addition to using P2P and smart contract technologies, Datarius also uses Biometrics, AI / Artificial Intelligence, Distributed Ledger and other technologies to improve all existing services on the platform.
What are the benefits and purposes of Datarius?
The lack of transparency and the high cost of conventional bank financial services has caused many of the world's people unable to access these banking services. Even because so many people do not have a national ID in this world that causes them can not access banking services. And if they can not access financial services from banks then this can affect their social and economic life. So with the presence of this Datarius platform, everyone in the world including people who do not have ID can get financial services like conventional banks with many advantages and benefits.
And Datarius will also create a digital token called DRTC Token which is a token utility that is used to access all the benefits and services that exist on the platform. And Datarius will be the platform with the most complete financial services in the world, some of these services include currency transactions (automatic exchange, internal exchange, and TOP exchange gateways), direct loans, investment programs, SME loans, checking accounts, intrasystem card products, and others. Datarius also provides for holders of active DTRC tokens by granting the right to receive 65% of all commissions and fees received by Datarius and these rewards will be distributed each year starting 2019, which is proportional to the number of tokens holders.
Details of ITO / Initial Token Offering Datarius
Datarius created digital tokens of 200 million tokens and 73% of them will be sold during token sale, while the rest will go into reserve funds (12%), project team (8%), and direct bonus (7%). Direct bonus funds include advisors, supporters, and bounties.
- Start ITO: March 5, 2019
- Symbol Token: DRTC
- Purchases: ETH, BTC, LTC, BCH
- Type Token: ERC20
- Token Price: $ 0.01 / Token
- Bonus: Up to 30%
- Minimum purchase: 0.01 BTC / LTC / BCC / ETH
Datarius is led by Aleksey Vuyko (CEO), Ruslan Vasyutin (CMO), and Larisa Sokolovskaya (CFO). The team was formed under the name iCrypto S.A., a fintech company. The company was founded in October 2017 which is registered in Costa Rica, although most of its team is from Ukraine. Vuyko's previous experience included a position as Director of Debt Management at a law firm, and two positions as Collection Directors in a bank based in Kiev (Delta Bank and VAB Bank). He has two master's degrees, including one from Ukrainian International Finance University and another from the National Ukrainian Technical University. And many more teams and other advisors, all can be viewed on their website.
Conclusion
Traditional banks today have some disadvantages such as the lack of transparency and their centralized systems that only provide benefits to a few parties and can not provide financial services to all people in the world. And with the many benefits that exist on the Datarius platform which as P2P Cryptobank's social platform will provide better benefits for everyone in the world so that everyone can access financial services to advance their economy, as well as improve living standards for their families. In addition, small and medium entrepreneurs are becoming easier in getting credit to advance their SME / Small & Medium Enterprises. And finally Datarius became Cryptobank for everybody in this world with many advantages and benefits to facilitate cryptocurrency community to get financial service at lower cost than conventional bank and also with many other benefits.
More Information
Website
Whitepaper
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By Chusnul
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