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Transfert Web : d'un pionnier du prêt social à un avenir décentralisé

En 2006, Transfert Internet began its operations as a global money transfer service with offices in London, Moscow, Miami, New York, Shanghai, Cape Town, Mumbai, and Singapore, providing services worldwide. In 2013, building on this international business, Transfert Internet launched a social credit network headquartered in Miami, supported by Webtransfer Corp in New York and Webtransfer Europe Ltd in the UK, the latter holding an FCA license for money transfers, cementing its presence as a leading global hub for social lending.

In 2013, Transfert Internet introduced a plateforme révolutionnaire where any social network user, such as Facebook, Twitter, Google, VK, and others, could participate. The platform allowed registered users to borrow and lend amounts from $50 to $1,000 for periods ranging from 3 to 30 days, backed by a Guarantee Fund formed from the lenders’ profits, ensuring the return of their investments.

By October 2014, the number of users in Transfert Internet, the first social credit network, exceeded un million de participants. Le modèle social de prêt P2P mutuel proposé par l’entreprise a démontré de manière convaincante non seulement sa viabilité, mais également ses avantages par rapport aux institutions de prêt traditionnelles.

En mai 2015, le réseau comptait près de 5 millions de participants de différents pays, avec des transactions quotidiennes dépassant 45 millions de dollars, ce qui indique une croissance explosive et confirme l'efficacité du modèle de prêt P2P proposé par l'entreprise.

In 2015, Transfert Internet made a breakthrough by launching Cartes de débit VISA Webtransfer. This move, a first in the world, allowed participants to instantly transfer money to each other and to issue and receive loans directly, card-to-card, bypassing the need to top up personal accounts. This innovative solution significantly increased the number of participants and the volume of credit transactions, strengthening Transferts Web position and highlighting its role in the evolution of fintech.

En 2017, le nombre de participants au réseau de crédit social dépassait 10 millions de personnes. Malgré les crises économiques, le modèle d’entraide a prospéré, permettant à des millions de personnes de fournir une aide financière en un seul clic, contournant les institutions financières traditionnelles. Ce modèle a été amélioré en permettant aux participants de gagner avant de partager avec le réseau, garantissant ainsi croissance et stabilité même en période d'instabilité.

An important milestone in Transferts Web history underscores its role as a fintech pioneer. Before major cryptocurrency exchanges like Binance became well-known, Transfert Internet occupied a unique niche by creating le premier échange P2P non dépositaire pour les monnaies électroniques, y compris les crypto-monnaies alors émergentes. Cette plateforme était équipée d'un système de garantie des transactions, ce qui en faisait non seulement un outil innovant mais également sécurisé pour les participants souhaitant s'engager avec les monnaies électroniques.

Thanks to its progressive functionality, the Transfert Internet P2P exchange enjoyed widespread popularity among users, allowing them not only to profit from currency rates but also to contribute to the development of a new era of digital finance. Many participants still remember it as an important and reliable tool for earning, further emphasizing Transferts Web innovative spirit and leadership in the early stages of the cryptocurrency market’s development.

At the end of 2017, Transfert Internet had to close its card program due to changes in VISA’s policy on issuing co-branded cards. This forced measure marked the end of one of the most vibrant chapters in the company’s history, leaving behind a legacy of striving for innovation and improving financial operations for its users.

Following this, Transfert Internet entered a period of rethinking its strategy and exploring new paths for development. The team tirelessly worked on innovations and studied alternative ways to fulfill its mission of democratizing financial services.

During these years, Transfert Internet actively explored technological trends and user needs, carefully analyzing the financial services market. The team came to understand that blockchain technology offers a unique opportunity to rethink financial operations, ensuring transparency, security, and accessibility of services.

Inspired by the potential of blockchain, Transfert Internet made a bold decision to decentralize its social credit network and launch credit operations on the blockchain. This move aims to create a more open, secure, and accessible financial ecosystem with active user participation.

The transition to decentralization was a logical step in the development of Transfert Internet, considering current trends in technology and finance. This strategic move opens up opportunities for the company to innovate and create new services. It is expected that the development of tools and services aimed at enhancing financial literacy and facilitating access to credit products will play a significant role in increasing user engagement and satisfaction.

Transferts Web development demonstrates an unwavering commitment to innovation and adaptation to a changing world, where every obstacle is seen as an opportunity for further growth and improvement.

In 2024, with plans to transition to a decentralized platform, Transfert Internet aims to establish itself as a leader in the field of social mutual lending, using blockchain to ensure transparency and security of operations. This step is aimed at strengthening trust and expanding opportunities for users, highlighting the company’s commitment to creating a global community where financial support and interaction become even more accessible and reliable.

Transferts Web trajectory from a simple social credit network to a decentralized platform underscores its innovative spirit and commitment to improving the financial well-being and connectivity of the global community. The new services and opportunities provided by the updated project are expected to strengthen Transferts Web role as an innovator in the rapidly evolving landscape of social finance.