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KRIPTON: Africa's first encryption loan service

In developing countries, micro-loans enable poor people to become small businesses and improve their finances. The meaning is to quickly and easily grant small monetary theory to consumers in a short period of time.
In recent years, microfinance has proven effective in providing affordable financial services to the poor of the population. It is also worth noting that many developing countries use microcredit as a useful tool for the maintenance of SMEs. Microfinance is the only way for young entrepreneurs to start their own business or expand existing businesses.
Microfinance services have positive and negative aspects. Benefits to customers are to minimize the time it takes to get paid and to the simplicity and availability of the procedures offered by many financial institutions today. The problem is microcredit - meeting the financial needs of current and current customers.
Speaking of the drawbacks of microcredit, the hired person is worth mentioning, among other things, the lending rate at which the loan problem occurs. Often they exceed a bank percentage in credit dozens. This is related to a number of reasons. First, an important factor in calculating lending rates is the risk of assuming a US financial institution that provides unsecured credit services.

L-Pesa Microfinance is designed to solve many problems in existing micro systems. Reducing the loss factor for credits to less than 10% has become one of the company's most important accomplishments for 12 months. It is a vast success in unsecured consumer loans in any region, but the fact that L-Pesa has reached that fact in East Africa is enormous.
L-Pesa was created to improve people's lives through efficient access to credit and related financial services. The company started in Tanzania in March 2016 and has already issued over 38,000 credits. Over 170,000 users by social marketing campaigns with a minimum budget. Over time, L-Pesa expects to enter additional financial services to attract the user base, such as deposit transfers.

L-Pesa Microfinance has many distinct advantages.

Blockchain technology provides transparency and efficiency to dramatically reduce operating costs and enable small credits to run. Advances in artificial intelligence have opened new opportunities for the acquisition of autocredit, and new tools enable the maintenance of vast amounts of data.
The originally developed credit model, based on the customer's social network analysis, combines with the traditional and alternative credit data required for future assessments to make decisions about loan acquisitions for customers.
Mobile financial services such as M-Pesa are available in many countries and support both banking and non-banking populations. Based on the market penetration of mobile phones (smartphones and feature phones), mobile call services such as M-Pesa, Tigo Pesa and Paytm have grown, enabling L-Pesa.
With the biometric ID system, you can significantly reduce costs and provide financial services without a physical branch network.

The L-Pesa model is based in part on a trust ladder. Users start with a minimum credit (usually $ 1,00) and get more credit after the microcredit has been successfully repaid. Credit scores are also influenced by other factors such as the completion of personality checks. All the procedures for receiving a loan from L-Pesa are as follows:

Users often register their accounts with L-Pesa in response to social media posts or SMS marketing messages. Over time, L-Pesa expects many new statements to be made through the recommendations of existing users.
You add documents to your L-Pesa account that verify your identity, such as your driver's license or passport.
L-Pesa's workforce performs an automatic check of personality.
You will receive an initial application for credit of US $ 1,100. In most cases, this application is automatically approved.
All future loan requests will be processed in the same way. In other words, automation based on the user's credit score is the key to success and expansion.
Credit authorization is paid in real time using mobile money services such as M-Pesa and Tigo Pesa.
Users are provided to plan payments for credits based on whether they make regular payments. Redemption is done using mobile payments. Postpay affects your credit rating.
User support implements the L-Pesa back office team in Tanzania. User support is provided in English and Swahili through social media channels, email and phone.

Mobilizing support programs in developing countries can serve as a great tool to shape, strengthen and strengthen ideology and motivation.
L-Pesa will guide you to markets that support more than 40% of the world's population, Africa, the Indian subcontinent and Southeast Asia. The current population is over 3 billion and grows rapidly. L-Pesa is a mobile decision based on the use of mobile phones. The available L-Pesa market will significantly exceed L-Pesa's creditworthiness.
The token in LPK is a standard representation of ERC20 (Ethereum platform) that can use LPK applications. The utility unblocked by the LPK marker is an opportunity to participate in the token provisioning of the LPK project to gain access to the function to be unblocked with the use token dedicated to the L-Pesa network.

Token name: KRIPTON
Token ticker: LPK
Token type: Ethereum ERC20
Total tokens issued: The maximum total is 2,600,000,000.
Mining: There should be no mining or other means to increase the token amount, and the second ICO should be excluded in the future.
Earnings Usage: See the "Earnings Usage" section of this document.
Storing tokens: ERC20 Krypton tokens are stored in your L-Pesa wallet. During the lockout period, users can exchange ERC20 Kripton tokens in L-Pesa social transactions.

Pre-sales begin three years May 18, 2018 / 15:00 GMT
Pre-sale end April 03, 2018,
ICO is  2018  April 10 / 15:00 GMT
ICO will end on May 10, 2018.