Webtransfer: Từ người tiên phong cho vay xã hội đến tương lai phi tập trung
Vào năm 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 nền tảng cách mạng 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 một triệu người tham gia. Mô hình xã hội được đề xuất của công ty về cho vay P2P lẫn nhau đã chứng minh một cách thuyết phục không chỉ khả năng tồn tại mà còn cả lợi thế của nó so với các tổ chức cho vay truyền thống.
Đến tháng 5 năm 2015, mạng đã có gần 5 triệu người tham gia từ các quốc gia khác nhau, với giao dịch hàng ngày vượt quá 45 triệu USD, cho thấy sự tăng trưởng bùng nổ và khẳng định tính hiệu quả của mô hình cho vay P2P do công ty cung cấp.
In 2015, Webtransfer made a breakthrough by launching Thẻ ghi nợ Webtransfer 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 Chuyển web position and highlighting its role in the evolution of fintech.
Đến năm 2017, số lượng người tham gia mạng lưới tín dụng xã hội đã vượt quá 10 triệu người. Bất chấp khủng hoảng kinh tế, mô hình hỗ trợ lẫn nhau vẫn phát triển mạnh mẽ, cho phép hàng triệu người hỗ trợ tài chính chỉ bằng một cú nhấp chuột, vượt qua các tổ chức tài chính truyền thống. Mô hình này được cải tiến bằng cách cho phép người tham gia kiếm tiền trước khi chia sẻ với mạng, đảm bảo sự tăng trưởng và ổn định ngay cả trong thời điểm bất ổn.
An important milestone in Chuyển web history underscores its role as a fintech pioneer. Before major cryptocurrency exchanges like Binance became well-known, Webtransfer occupied a unique niche by creating sàn giao dịch P2P không giám hộ đầu tiên đối với các loại tiền điện tử, bao gồm cả các loại tiền điện tử mới nổi. Nền tảng này được trang bị hệ thống đảm bảo giao dịch, khiến nó không chỉ mang tính đổi mới mà còn trở thành một công cụ an toàn cho những người tham gia muốn tham gia vào các loại tiền điện tử.
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 Chuyển web 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.
Chuyển 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, 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.
Chuyển 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 Chuyển web role as an innovator in the rapidly evolving landscape of social finance.