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Webtransfer：从社会借贷的先驱到去中心化的未来

2006年， 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 革命性平台 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 百万参与者。该公司提出的P2P相互借贷社交模式不仅令人信服地证明了其可行性，而且还证明了其相对于传统借贷机构的优势。

截至 2015 年 5 月，该网络已近 500万参与者 来自不同国家的日交易量超过4500万美元，呈现爆发式增长，也证实了该公司提供的P2P借贷模式的有效性。

In 2015, Webtransfer made a breakthrough by launching 网络转账 VISA 借记卡. 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.

截至2017年，社会信用网络参与人数已超过 1000万人。尽管经历了经济危机，互助模式却蓬勃发展，让数百万人一键提供金融支持，绕过传统金融机构。该模型通过允许参与者在与网络共享之前赚钱而得到增强，即使在不稳定时期也能确保增长和稳定性。

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 第一个非托管 P2P 交易所 对于电子货币，包括当时新兴的加密货币。该平台配备了交易保障系统，这不仅具有创新性，而且对于想要使用电子货币的参与者来说也是一个安全的工具。

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.