HERO

Despite the development of the world economy, the financial services industry brings problems that make it more exclusive than it should be. Southeast Asia is the fastest growing Internet region in the world. However, only 27% of Southeast Asian people have bank accounts. In poor countries like Cambodia, this number drops to about 5%. Lack of access to basic financial services has created serious obstacles to poverty alleviation, making loans or saving almost impossible. This makes them lose most of the most basic services and opportunities. HERO's mission is to revolutionize the banking industry, making loans more affordable and cheaper for those who do not use banks or can not use them, in Southeast Asia.

In 2015, the Hero team launched its first product - the first licensed online pawn shop in Southeast Asia. PawnHer actually turns the phone into a pawnshop. The PawnHero operating platform ("Opus") combines a seamless external client interface with an internal operating system, enabling PawnHero to manage and monitor customers and businesses.

How does it work?

The Client sends information about the goods to the pledge by phone or computer. After the client sends data about the subject through a series of drop-down menus, Opus connects the request to our pricing model, which instantly provides multiple loan offers to clients with different loan periods. Then the customer selects the preferred offer and passes the customer information, payment and shipping methods. Then Opus sends a courier to get it from the client's house for free. In the Operations Center, the assessor assesses this subject. If the goods are not authenticated, they are returned to the client, and the customer is charged a 100 peso ($ 2) shipping fee. If the item is genuine, but not in the state indicated in the request, the expert estimates the cost of the revised item, and Opus offers new offers for the loan via SMS and e-mail. If the client receives a revised proposal, the loan is issued through Opus. If the client declines the revised offer, then the item is returned to the client for free. Before the loan maturity date, the customer can repay the loan through various payment options or apply for loan extension. If the customer is unable to redeem the item, the loan will enter a period of 1 month valid notice for electronic goods and up to 3 months for non-depreciable goods. At the end of the notification period, if the customer does not purchase the item and pay additional interest, Opus complements the legally binding public notice and makes the item available for sale on our trading floor.

Heroes collaborated n with leading companies in the verification of identity documents, which will be one of the elements that will "feed" our credit score data algorithms. Users can link their Hero profile to provide outside identification information: Facebook, Twitter, LinkedIn, eBay / Lazada / Zalora / Shopee / Carousell / PayPal / Amazon or Google / Yahoo to add more data.

Hero item

Hero is designed to provide positive financial and social benefits. A marker is the right to receive a fee, which is a portion of the interest income received. It is not a share capital in the company and has no intrinsic value. All aggregate tokens are entitled to receive up to 20% interest income.

ICO

Symbol - HERO

Total stock 250,000 Ethereal (ETH) cost of hero-token (equivalent to 50,000,000 tokens). The final number of the hero tokens is determined after the end of the sale of the marker based on the amount deposited.

Interest in Hero:

Payment structure

Up to 20% of the distributed interest income is transferred to a certain Etherium wallet (ETH) every three months. Then ETH is redistributed to all holders of the hero's tokens in accordance with reasonable contract terms (i.e., the percentage of interest income receives a proportionate share of the token owned).

BONUS SCHEDULE

Every Hero Token will be sold for 1/200 ETH, which means that 1ETH will give you 200 Token heroes. Additional token will be given to the original participant.

• Day 1 (first 3 hours) + 30% bonus;

• Day 1 (3: 01h-24h) + 20% bonus;

• day 2 and 3 + 10% bonuses;

• day bonus 4 - 7 + 5%;

• day bonuses 8 - 14 + 2.5%;

• The remaining bonus day is 14 0%.

Appreciation:

• Reddit Campaign 5%

• Facebook Campaign 5%

• 5% Twitter Campaign

• Slack / Telegram Campaign 5%

• Content Creation 5% (Art and Video Works)