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Bank4you Overview. Bank transfers

The next introduction of blockchain technology introduced the ecosystem Bank4you, founded in 2013, as a consortium of companies offering financial services based on mobile payments. Now money transfers with the help of internal cryptocurrency and support of large and regional mobile operators will become a convenient reality. About 4 thousand subscribers in social networks are interested in the idea.

What problems does Bank4you solve?

The issue of access to Bank transfers to Asia, Africa, South America and the Caribbean Islands is at the forefront. Most of the population of these countries uses mobile transfers, but global transactions around the world are not available to them. This is due to the fact that mobile operators in some countries are prohibited from combining the function of banking.

The resulting problem from the former is the lack of access to banking products from developing countries, that is, people cannot afford to have a Bank account for various reasons.

Mobile money services are used in 93 countries in 2016.
A question every user of a planet is the question instant transfer anywhere in the world at minimum fee.

How do you solve the tasks?

Bank4you group represents an ecosystem based on blockchain technology. It does not require representation in any country or control by law. Therefore, the first two problems are solved by developing a mobile application with these functions.

Consumer micro lending will work on the principle of transferring the mechanism of credit history to the nodes. The payment of loans is controlled by the smart contract, forming the client's rating.

Left: premium card with a size of 15,000 tokens and right standard card with 5,000 tokens
The structure of the platform will involve 2 types of tokens:

BFY token is a tool of crowdfunding. It is bought by those who want to earn long-term on the stock exchange. Dividends in the amount of 1% depending on the number of tokens purchased are paid to the token holders on a quarterly basis. They consist of commissions from the transfer of funds and Bank products. Another advantage is a 2.5% discount on the purchase of MRM.

MMR is a local currency, which will act as an intermediary between Fiat means the sender and receiver. The user sends the mobile money to the app, then the conversion takes place, and the transfer itself, where the second party transfers the MMR to the local currency. The MMR price will be available inside the app after release in the fourth quarter of 2014 in accordance with the roadmap. The purchase will occur automatically with money transfers.

A feature of the token is its independence from volatility market and the dynamics of change in ETH. That is why its price will be fixed.

The average price of the transfer will be about 2.7%, which is 50% lower than in similar systems like Western Union. This percentage does not include the rate for cashing out.

The decrease in the Commission is due to the absence of intermediaries. The transaction will take place through a single smart contract. The organization of a private Blockchain system is also planned. Due to the placement of peer-to-peer nodes of the system, the Commission will be even lower. In order to avoid manipulation and fraud, periodically system state control points will be overwritten to the Ethereum or bitcoin blockchain.

Token sale

The final stage of the sales cryptocurrency is 18 December 2017 31 March 2018. BFY Can be purchased at a price of 0.21$. You can also pay via Euro, British pound or Ethereum. The minimum purchase limit is 500BFY at the price of $ 100.

The sale of tokens will take 80% of the total amount of coins issued. The remaining 20% is allocated to the reserve, the work of partners and the promotion of the ecosystem.

The project plans to release alpha and beta versions, integrate and configure MMR on the platform.It is planned that by the end of 2018 the ecosystem will be distributed in the global market and put into circulation.

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