Webtransfer: da pioniere del prestito sociale a un futuro decentralizzato
Nel 2006, Webtransfer 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, Webtransfer 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, Webtransfer introduced a piattaforma rivoluzionaria 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 Webtransfer, the first social credit network, exceeded un milione di partecipanti. Il modello sociale di prestito reciproco P2P proposto dall’azienda ha dimostrato in modo convincente non solo la sua fattibilità, ma anche i suoi vantaggi rispetto agli istituti di credito tradizionali.
A maggio 2015, la rete aveva quasi 5 milioni di partecipanti da diversi paesi, con transazioni giornaliere superiori a 45 milioni di dollari, indicando una crescita esplosiva e confermando l'efficacia del modello di prestito P2P offerto dall'azienda.
In 2015, Webtransfer made a breakthrough by launching Webtransfer carte di debito VISA. 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 Webtransfer’s position and highlighting its role in the evolution of fintech.
Nel 2017 il numero dei partecipanti alla rete di credito sociale ha superato 10 milioni di persone. Nonostante la crisi economica, il modello di mutuo soccorso è fiorito, consentendo a milioni di persone di fornire sostegno finanziario con un solo clic, aggirando le istituzioni finanziarie tradizionali. Questo modello è stato potenziato consentendo ai partecipanti di guadagnare prima di condividere con la rete, garantendo crescita e stabilità anche in momenti di instabilità.
An important milestone in Webtransfer’s history underscores its role as a fintech pioneer. Before major cryptocurrency exchanges like Binance became well-known, Webtransfer occupied a unique niche by creating il primo scambio P2P non custodito per le valute elettroniche, comprese le criptovalute allora emergenti. Questa piattaforma era dotata di un sistema di garanzia delle transazioni, che la rende non solo innovativa ma anche uno strumento sicuro per i partecipanti che desiderano interagire con le valute elettroniche.
Thanks to its progressive functionality, the Webtransfer 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 Webtransfer’s innovative spirit and leadership in the early stages of the cryptocurrency market’s development.
At the end of 2017, Webtransfer 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, Webtransfer 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, Webtransfer 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, Webtransfer 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 Webtransfer, 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.
Webtransfer’s 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, Webtransfer 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.
Webtransfer’s 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 Webtransfer’s role as an innovator in the rapidly evolving landscape of social finance.