What is ZPER?

ZPER is a ‘decentralized P2P(peer-to-peer) financial ecosystem’ using smart contract technology. Top P2P lending companies and robo-advisors have coalesced to provide a revolutionary method of fund transactions between borrowers and lenders worldwide.

P2P Finance Alliance

Verified global P2P lending companies, information providers, and robo-advisors are part of the ZPER Alliance. The Alliance, which allows a variety of participants to freely interact and exchange values, provides a reasonable financial environment for borrowers and lenders.

All participants will be rewarded fairly for their contributions.

Cross-border transactions

ZPER connects borrowers and lenders regardless of their countries' currency. Lenders reap higher returns, while borrowers receive loans at lower interest rates.

Risk Management by Robo-advisors 

Internationally-recognized robo-advisor algorithms constitute the global investment portfolios. The algorithm is then used to lower investment risk and provide security via investment diversification.

Alliance

  • Midrate is a comprehensive P2P company. It is involved in various fields such as real estate and bond investment and boast of the best crisis management and technology in the industry. Midrate’s default rate (delay of a portion or all of committed redemption passes 30 days or more and less than 90 days) is zero percent which present that it stays firmly in the tone of ‘Healthy Financial Linking Heart to Heart’. It’s cumulative loan amount is about 10.8 billion won. Midrate will participate in the ZPER ecosystem as a council to facilitate fund distribution.

  • FUNDA(CEO Sean Park) is a P2P company targeting small business owners and self-employed people. Utilizing Safe plan and Automatic Distributed Investment, it achieves 0% of investor loss ratio(investor repayment is overdue for more than 90 days from the normal redemption date). It’s cumulative loan amount is about 31.2 billion won and is regarded as a leader in personalized P2P loan sector. Besides, it has attracted investment of 2.8 billion won from BC Card, becoming the first domestic P2P financial company to receive investment from large credit card companies. FUNDA will contribute to the development of a stable ecosystem as a council at ZPER.

  • Olley Funding (CEO JB Kim) is a P2P company aiming to provide practical help under the belief that “Together, Worthwhile Finance”. It is possible to secure both rationality and efficiency by suggesting the best type of funding for each user via customization technology. We are expecting for Olley to play a pivotal role as a council in ZPER since it is already cooperating with domestic companies who have the best Big data and Machine Learning technology.

  • Together Funding (CEO Hang-Joo Kim) is currently the largest and NO.1 company in the real estate-mortgage-secured P2P financial sector (based on Korea P2P Financial Association data) with a cumulative loan of about 120 billion won. Because it is secured mortgage loan investment (basic asset: real estate), it can guarantee both expected return and investment stability. JB Financing holding takes charge of deposit management and DaeShin Saving Bank and Lotte Insurance joined Together Funding as partners to further enhance its expertise

  • Cocktail Funding (CEO Un-Ha Kim) is a P2P investment platform which currently has over the 15.6% of average yield and focusing on “easy investment”. But it holds both high profitability and stability. Under the slogan ‘P2P investment made by the fund manager’, Cocktail Funding keep expanding its cooperation with professional asset managers for striving to secure stability. By having partnership whit SC Saving Bank, Cocktail Funding made deposit and withdrawal easier and created an environment in which users can invest in products from the amount of 10,000 won.

  • FUNDED (CEO Hyeon-Joong Choi) is a company focused on protecting the investors using various security measures. They include: FUNDED CARE, a credit loan protection plan developed upon professional insurance regulations, and FMC and FSC which protect against real estate and corporate loan failures. They have developed their own Funded Scoring System of twenty-one credit rating which made possible even more precise loan evaluation and assortment of the right customers. They have worked with Hanguk University of Foreign tudies on a research in mortgage evaluation model and have a patent in ‘non-face-to-face identification technology’.

  • C-So Funding is a company focused on chattel mortgage. They have a patent in technology with which they managed to lower the risk of value fluctuation in chattel mortgage analysis. They've also minimized the investor's loss through direct management and guarantee of the chattel on their part.

  • Pro:fit (CEO Seung-Yong Lee) is a financial investment corporation that opened a new paradigm of finance and contributed positively to society. They have developed their own system of new credit scoring system that put together DLS model (Demographic Lifecycle Score) and AS (Application Score) model. In June of 2017, they have, for the first time in the industry, made an agreement with a legal firm that puts first the safety of investors as an agency that reimburse mature loans and manage loans. They are known for their actions that strive for a healthier financial environment.

  • SODIT always seeks to keep their three principles of ‘safety’, ‘profitability’ and ‘convertability’ to safeguard their investors. Only after 26 months of foundation, they were acknowledged from their investors of their steadfast three principles through accumulated investment of 64.8 billion won around 66.38% of reinvestment rate. February of 2018, SODIT has been selected by the ministry of science and ICT as one of 3rd K-Global 300 business, as a promising enterprise in the field of ICT, along with various support. ‘Value On’ is SODIT’s very own service which looks up all related information (market price, estimated price, auction price etc.) of a real estate only through its address. This service has been selected as the ministry’s May R&D project and is currently completed and patented.

  • Popfunding is the first among Korean lending company to have launched small-amount loan services on its system in 2008, after entering into a business partnership with Jeil savings bank in May 2007. Popfunding has been continuously emphasizing to investors about the significance of understanding borrowers and lending markets, constantly contemplating in many ways to manage surplus funds more efficiently and connect them relevantly to those more ungently in need. The team’s aim is to contribute in the process of creating happier world in which everyone feels rich.Popfunding’s fundraising amount adds up to 8billion USD. They were rewarded as the ‘2017 best P2P lender’. Their achievement presented new path for Korean P2P lending markets towards cross-border transactions such as those by investors interested in international businesses & bodies or the flow of overseas venture capitals.

  • Zoomfund, also known as The Zoom Fund Management, is a P2P lending company associated with KTB Network and is entirely supported with the investment of KTB Credit Information, the company in charge of bond management and collection of the Korean Asset Management Corporation (KAMCO) and the Korean Deposit Inssurance Corporation (KDIC). Their specialty is in their use of a model based on the big data of the borrowers’ financial and non-financial transaction information. They put forward average profit rate of 12.7%, delinquency rate and default rate of 0%.

  • Mouda is the Korea’s very first specialized P2P lending platform who provides high quality and credible investment products in the field of medicine. Experts in each field of the medical industry, data analysis, finance, and the legal matters came together to provide investment products of the best quality. They are known for constructing products best fit for doctors and other medical practitioners interested in investment.

  • LoanPoint is a crowdfunding platform dealing with real estate assets, which guarantees safe, low-risk investment for personal investors who have little knowledge on real estates. Actual developers or real estate professionals upload crowdfunding projects and those that pass strict assessment will be confirmed for fundraising. Only verified assets are accepted here, such as NPL purchase capitals and top-tier real estates. For minimized risks and principal losses, the team works in strategic partnerships with many professional businesses in the field.

  • Wefunding is a member of Korea P2P finance association. The company was established with a dream of bringing real estate investment easier and closer for all, with the help of professionals in finance, IT and real estates. Its previous portfolios were comprised of more PF loans than those based on real assets, but with the depression of real estate market in Korea, Wefunding have been making effort to find more diverse real asset items, such as renovation funds. The result is already showing in the total amount of funds Wefunding has raised, which exceeded 500 million USD and still is in steady increase.

  • Hello Funding, a member of Korea P2P Finance Association, is a provider of P2P lending platform that considers ‘stability’ the top priority for investments made on its system. Only asset loans are accepted and an audit committee comprised of 7 professionals inside and outside the field is being run for a more specialized verification of assets and repayment funds, which is a very exceptional compared to any other businesses in the P2P market. Total raised funds exceed 50 billion KRW(worth 42 million USD) and the average amount of funding per investor reached 21.99 million KRW(worth 18000 USD). Hello Funding proudly presents an average profit of 17.87% with 0% default rate since its establishment.

  • Finstreet, under the slogan of ‘a better P2P lending platform generated in collaboration of human and technology’, operates in connection with a network of various related business fields. Funds for loans come from Finstreet lending company, NPL partners has good know-hows to carry out real estate appraisals. And there’s Finbad bank, that provides risk management service and guarantees stable gaining rates as well as advising investors for exit strategies. Finstreet proudly presents for investors an average gain of 16.51% and 0% default rate.

  • Elefund is the first financial company that introduced NPL P2P fund for the first time in Korea. It is a P2P financial company with expertise in real estate finance by developing a real estate mortgage evaluation system using accumulated auction database and machine learning method for predicting default rate of loss rate and early detection system of collateral value. Elefund is a FinTech company that is recognized for its competitiveness in NPL real estate mortgage sector based on real estate expertise and technology. Elefund presents an average profit of 18.24% with 0% default rate.

Partners

  • XnTree is a deep tech venture curation and project management company focused on Fintech, Blockchain, AI, SmartCities and Robotics. Bespoke programmes are designed to facilitate a soft landing pad for tech ventures who wish to participate in projects in conjunction with corporate bodies and governments. XnTree also provides Smart City design consultations to Governmental agencies and City Councils amalgamate core technologies effectively.

  • Chain Partners is a blockchain company builder, the one and only Korean enterprise that InBlockchain has invested to. InBlockchain is the largest blockchain investment firm in China, which has supported global blockchain projects such as Steem, Zcash, Qtum, EOS and Yunbi. Chain Partners is a union of top professionals from Google, Fast Track Asia, Yellow Mobile, Shinhan Investment Corporation and DS Asset Management. Chain Partners launched ‘Coinduck’ in January 2018, an ethereum payment service that can be used in offline stores. It recently signed an MOU with Kyber Network, where Vitalik Buterin works together as an advisor.

  • Korbot is a company that operates a platform for automatic arbitrage trading of Bitcoin. The app will search the real time prices of cryptocurrencies and trades them at optimal and advantageous times to make profit, all based on the user's investment records and strategies. Starting November 17th, they've been providing solutions to Coinlink, the only coin exchange platform to be listed on KOSDAQ. They are currently working projects related to crowdfunding, and in long-term, on a platform based on blockchain technology.

  • MOIN is a company that offers efficient and rational money transfer system. They have matched the level of security the banks can offer but with faster transfer and lower fees. Founded in March of 2016 and upon receiving the top award in the Financial Job Fair Contest the same year, to being officially licensed as a business for foreign transferring system, MOIN has rapidly expanded to allow transfer to Japan and China. They are looking forward to advancing into the Southeast Asia and Europe as well.

  • Coinfirm (CEO Pawel Kuskowski) carries out AML in the cryptocurrency market through their very own big data analysis technology in addition to the basic rating system used in traditional banks. They’ve developed more than 120 algorithms that accurately classifies the type of wallets, and eliminates those can possibly be used for money laundering, according to analysis of its transactions. Also, they’ve developed blockchain solutions such as Trudatum and aided many financial institutions adapt to the new era of blockchain.

  • AinFin (CEO Dr. Jocelyn Braun) is a business associated with the Level39 that deals with mobile-based financial system. Even right now, seamless and time-lap free global transactions are possible through the worldwide AinFin ecosystem that connects us. They envision to connect the unbanked and underdeveloped regions all around the world through AinFin’s simple and efficient mobile financial system and platform.

  • Trustonic is a leading venture in the field of mobile security. They provide powerful protection for the application, data and services on the devices in which their very own technology (Trusted Execution Environments – TEEs and Root of Trust) is installed upon. Trustonic is the only corporation that provides security solutions to the device production line and opens it up to the service providers, such as application creators. Their technology is already protecting over 1.5 billion devices of Samsung, LG, Vivo, OPPO, Xiaomi, Meizu and Gionee. They’ve also become the technological basis of Samsung Knox, Samsung Pay, Alipay and Symantec VIP solutions.

  • Founded in February of 2015, Dayli Financial Group is one of Korea’s largest fintech businesses. They envision a future where they can provide financial services globally to make their customer’s daily life as profitable as possible through breakthrough technologies – including AI, blockchain, RoboAdvisor and cryptocurrency technology – in the different financial sectors. They hold a blockchain special company, Theloop, who developed cryptocurrency exchange Coinone and global public blockchain ICON, as their subsidiary company.

  • CREDIT-VISION is the next generation Saas-based financial data platform for banks and investment funds to standardize, aggregate and analyze private company financial data. Corporate credit is the third largest asset class in the world, and it is also the most secretive. CREDIT-VISION contextualizes these secretive information and unlocks the tremendous value of centralized data to the entire market, investors and portfolio managers. They are developing their technology with the support of the UK Government, which has awarded the company a grant for technology innovation.

  • SENTBE is a company specialized in overseas remittance services based on blockchain technology that introduced direct transactions between cryptocurrencies and fiat money. This process resulted in considerably less time taken for a remittance (less than a day), with lower transaction fees (up to 90%) compared to using services of traditional banking. It won the grand prize in Maeil Fintech Awards, was selected as a test business to receive grants from Seoul Metropolitan office, in addition to strategic funding from Stonebridge Capital and Coinone. At the end of March SENTBE announced its plans to advance into the Middle East and Australian markets in connection with another global remittance service provider in Singapore named ‘Transfer To’.

  • WIDUS Partners provides investment advisory service including capital raising solutions for mid-sized businesses in Asia. Widus Partners also invest along with strategic and financial co-investors in the companies with potentials on overseas market expansion Widus Partners is based in Hong Kong and Seoul, and has built strong relationship with leading corporations, private wealth managements, private equity firms, investment banks and financial advisory firms that supports cross-border transactions.

ZPER Token(ZPR) Distribution

Issuance term

ICO Volume
2,200,000,000ZPR
Token Sale
1,100,000,000ZPR
Hardcap
48,000ETH
Softcap
5,000ETH
Currency Accepted
ETH

Token Allocation

Token Sale
50%
Ecosystem
22.3%
Team & Advisors
17%
Reserve
10.7%

ZPER Team

  • JB Kim

    Co-founder, CEO

    • CEO at Olley Funding
    • Dayli Financial Group S/T
    • Kiwoom Fund Management
    • TmaxSoft BI Dep.
    • KAIST Applied Mathematics
  • Sean Park

    Co-founder, CSO

    • CEO at FUNDA
    • Vice Chairman at KP2PFA
    • Seoul National Univ. Electrical Engineering
  • George Hahn

    Co-founder, CGO

    • UNION VNC, CEO
    • Robo-Advisor FABOT, Co-Founder
    • Seoul National Univ., Mechanical & Aerospace Eng.
  • SJ Min

    CBDO

    • BC Card Digital Library
    • SBI Bank, Fintech TFT
    • Dayli Financial Group, CAT
    • Nice Information Service, BCI/TCB
  • Leo Moon

    Senior Software Engineer

    • Samsung Electronics Global Technology Center
    • TmaxSoft TP Dep.
    • Korea Univ. Industrial Engineering
  • SH Baek

    Full-Stack Engineer

    • CTO at Midrate
    • SK C&C
    • Korea Univ. Computer Science
  • SH Lee

    Server Engineer

    • Quintet Systems
    • KTB Investment & Securities
    • LIG Ensulting
    • Daum Communication
  • SK Im

    Full-Stack Engineer

    • FUNDA
    • KAIST Computer Science
  • JY Min

    Financial Affairs

    • SK E&C Overseas Plant Contracts
  • KS Shin

    Operation Strategy

    • CSO at Midrate
    • SK E&C Overseas Plant Contracts
    • Kyungpook National Univ.
  • DY Shin

    Operation Management

    • Operation Manager at Olley Funding
    • GE Finance
    • Sogang Univ. School of Management
  • JH Shin

    UI/UX Designer

    • BindM Design
    • Babosarang Design
    • Crevate
  • Dany Shin

    Marketing

    • Korea Univ. School of Media & Communication
  • Jeff Kim

    Community Manager

    • Maeil Broadcasting Network
    • Konkuk University Electronic Engineering
  • Melissa Lee

    Marketing Manager

    • Korea University School of Media & Communication
    • University of British School of Music
  • Christine Yoon

    Marketing Manager

    • PRIN CEO
    • Samsung Electonics Robot R&D Team
    • Reitaku Univ. Foreign Language

Advisors

  • Sean Shin
    • CEO at Dayli Financial Group
    • Mirae Asset Securities Research Center Analyst
    • Towers Watson Insurance Financial Business
    • Samil Accounting Corp. Financial Headquaters
  • Sudhi Herle
    • Sr. Strategy Consultant to the CTO of Samsung Mobile
    • Co-founder of Samsung KNOX platform while at Samsung
    • Ex-Chief Product Officer at RhythmOne (LON:RHTM)
    • Temple University, PA and IIT-Bombay
    • More than 30+ technology patents
  • Suyong Park
    • Cognitive Investment Director
    • COO of Dayli Financial Group
    • Co-representative of Dayli Intelligence
    • Seoul Investment Partners
  • Thomas Kang
    • Head of Global Outreach for M-DAQ
    • Singapore MD, Asia Pacific Regional Head of RTC & FX Plus at Citi, Country Head of FX and MD in Seoul
    • Agilent Technology, overall foreign exchange risk management
    • US Navy Engineer
    • Yale University MBA
    • University of California, Irvine, B.Sc in Mechanical Engineering
  • Joe Kim
    • Managing Director of XnTree at L39
    • Former Director at IBM UK
    • Former Managing Director & CTO at Tmaxsoft
    • Former CEO at Datawave System
  • James Pack
    • Director at GoldenTree Asset Management
    • Former Director at Citigroup
    • Seoul National University Electrical Engineering
    • University of Chicago Booth School of Business, MBA
  • K Wang
    • CEO at Coinbin
    • CEO at Korbot Company
    • Former CIO at Bithumb
  • Jake Kim
    • Director & Investment Manager at Innobase
    • Co-founder of DirectBahn
    • Head of Strategy and Planning at Kolon Life Science
    • Sr. Strategy & Business Development Manager at Mirae Asset
    • LG CNS
    • IE Business School
  • David Yang
    • CEO at Quarterback Group
    • CEO at Quarterback Investment
    • KTB Asset Management, Fund Manager
    • Seoul National Univ, M.A., in Business Administration
    • Yonsei Univ, B.A., in Business Administration
  • SH Lee
    • Shinseung Accounting Corp. Director
    • Samjong KPMG Accounting Corp.
  • HyunSick Choi
    • Doctor of Medicine (MD)
    • Block Crafters Capital, Partner
    • SOSOLAB, CEO & Founder
    • Crypto Influencer
    • Inje University, Department of Medicine
    • Seoul Science Highschool

News

ZPER, now working with WIDUS Partners!
The team is currently actively pursuing listings on different exchanges and at the same time focusing on constructing business models through the acquired global partnerships. For this very cause, ZPER is now partnering with Widus Partners based in Hongkong, who will provide us with a powerful and influential ICO advisory services. This partnership agreement will allow us to advance globally and to build even more valuable, strategic partnerships.
ZPER Signs a Partnership Agreement with SENTBE
SENTBE is a company specialized in overseas remittance services based on blockchain technology that introduced direct transactions between cryptocurrencies and fiat money. This process resulted in considerably less time taken for a remittance (less than a day), with lower transaction fees (up to 90%) compared to using services of traditional banking.
More info

FAQ

What is ZPER?

ZPER is an ecosystem for decentralized P2P finance, built upon blockchain technology. We aim to create new, efficient financial environment that transcends borders and currencies. Through active cooperation of top established pioneering corporations in the field of P2P finance, we offer innovative flows of funds in global scale.
ZPR token is a means of value exchanges that all participants of the ecosystem will be using. It is used as a currency in all transactions, including investments for P2P loans, reimbursement of mature loans, rewards for data providers, commissions for NPL purchasers. Transactions will be kept transparent and independent from currencies and boundaries by the use of ZPR.

What is the merit of the ZPER token?

ZPR is the connecting medium between the traditional financial system and the ZPER P2P ecosystem. It can break through many limits of the traditional stated-issued currency (Fiat). And it is a token that realized (tokenized) the right to the principal that helps in terms of gaining investment liquidity.

What is the difference between ZPER and other P2P ICO projects who has already completed their ICO last year, or is planning on it for a near future?

ZPR token makes possible efficient transactions which are not limited by national borders or currencies. It also allows all participants to make new and innovative trade, out of boundaries of the methods possible within the traditional centralized financial system, through ZPER token.

I want to get more information about the ICO event.

OOur event sale ended on March 17th. The early-bird sale and the crowdsale is from April 23rd to 25th, and April 27th to May 16th respectively.

How do I participate in the ICO?

For information about ICO participation, please refer to the link below.
https://medium.com/@zper/zper-how-to-participate-in-ico-898a26b8f109

Is ZPER a Korean project? Isn't ICO regulated in Korea?

ZPER is a global project with foreign foundation as its base. It is not affected by the Korean laws.

What are ZPERs plans on foreign marketing? Do you have plans to incorporate additional foreign advisors?

ZPER makes its ecosystem in cooperation with national ZPER councils made up of expert P2P lending companies and RoboAdvisor companies. We are on our way to realizing our goal through our partners' tips and successes, and we apologize for not being able to explain further. We are doing our best to add only the top class experts on our advisor board. We will update you through our Whitepaper, and Onepager on our official website whenever new members decide to join our team.

What are the distribution ratio of the tokens?

17% will be distributed to the team and the advisors, 22.2% in running the ecosystem, 50% will be sold during our ICO (1.1B tokens sold out of total 2.2B tokens), and the rest 10.8% will be held.

Is it only possible to participate in the ICO with ETH?

Yes, participation is only possible with ETH.

How much is the ICO hard cap?

The hard cap for the presale is 14,000ETH for each Type1 and Type2, 10,000ETH for the early-bird and the main crowdsale – totaling to 48,000ETH.

Is there a bonus in the ICO?

You could choose between Type 1(Lock up) and Type 2 in the event sale. Type 1 will come with 30% bonuses but is non-tradable for 3 months of purchase, Type 2 with 20% bonuses but free for trades. 10% bonuses will be given for early-bird crowdsale purchases. Main crowdsale will not offer bonus coins.

Can the number of ZPER token (ZPR) change according to the shifting value of ETH?

ZPER tokens will not be affected by the value of ETH. 1ETH will equal 16,000ZPR(+bonus amount for your purchase).

When and where will ZPR be listed?

3Q of 2018 is our goal, but this is open to changes due to many different possibilities.

Where is the ZPER token being issued from?

ZPER ICO is carried out by a Singaporean corporation.

I think I sent ETH from a wrong wallet.

If you have:
1.Sent ETH from a different wallet address than what is registered during KYC
   1-1 sent from a different PERSONAL wallet address or;
   1-2 sent from an exchange wallet address, not a personal address
2. Registered the wallet address of the exchange during KYC

For above cases, you cannot receive the ZPER tokens. This is because we have implemented an automatic transaction recording and token distribution system that uses Etherscan API.
If you apply to one of the cases above, please email master@zper.io through the email you’ve registered with on our website for a status modification request. In the email, please attach a screenshot/picture of the transaction page from a different wallet (in case of 1-1) or from a different exchange wallet that clearly shows the logo of the exchange (in case of 1-2). We have to be able to see the logo of the exchange. If you cannot see this on your mobile, please try on a PC. In all of the cases above, the KYC procedure needs to take place one more time.
*The screenshot of transaction page on Etherscan is not valid.

I cannot set my password

Your password must be from 8 – 14 characters and a combination of upper and lower case alphabets and numbers. If you cannot set your password even with the correct format, email master@zper.io for help.

Contact us