Webtransfer is one of the first and largest social lending platforms, which had up to 10 million participants worldwide from 2013 to 2017. Initially operating on a centralized model using VISA debit cards for P2P lending, the platform faced limitations such as a lack of transparency and high dependence on intermediaries.

In response to these challenges, Webtransfer made the decision to transform into a decentralized platform based on blockchain technologies and smart contracts. This eliminates the need for centralized intermediaries and improves the security, transparency, and resilience of the platform.

A feature of the new model is the introduction of credit unions, which allow participants to come together for collective funding and risk management. These unions form the very decentralized network of Webtransfer, providing participants access to a wide range of lending opportunities, as well as the issuance of debit and credit cards.

Webtransfer plans to integrate innovative DeFi tools, including liquidity credit pools and credit certificates — non-fungible tokens (NFTs), to create a unique model of P2P lending. This model combines social connections with cutting-edge financial instruments, making the lending process more accessible, secure, and profitable for all participants.

Goals and Objectives of the Project

The main goal of Webtransfer is to improve the accessibility of financial services worldwide, especially for those who are outside the reach of traditional banking systems. Our target audience is people who do not have access to traditional banking services, as well as those looking for alternative, more transparent, and profitable lending and investment options.

The project sets the following key tasks:

– Democratization of finance: lowering the entry threshold for small investors and borrowers, facilitating access to loans and investment opportunities regardless of location, social status, and other factors.

– Creating a safe and transparent ecosystem: using blockchain technology and open protocols to ensure maximum transaction security, data immutability, and transparency in interactions between participants.

– Social integration and mutual aid: promoting the creation of strong social bonds among users based on common financial interests; stimulating a culture of mutual help, support, and collaboration in addressing financial issues.

Webtransfer aspires not only for financial innovations but also for positive social changes, making the world of lending more accessible, safe, fair, and inclusive for everyone, regardless of geography and status.

In the field of decentralized finance (DeFi), there are several major projects offering solutions for cryptocurrency lending, such as Compound, MakerDAO, and Aave. These platforms focus on collateral-based lending, where loans are secured by other crypto assets, and use blockchain technology to automate transactions using smart contracts, ensuring transparency and security.

In contrast, Webtransfer not only supports similar collateral-based lending but also significantly expands its capabilities by integrating these financial mechanisms within a social network framework. Such integration allows for the creation of a governance model based on broad participation, where community members actively participate in decision-making through voting and receive support from insurance pools in the form of insured loans.

Credit unions play a key role in this process, allowing members to pool resources for financing loans within the community, making unsecured loans safer and more likely to be repaid, especially if the borrower is a member of the corresponding credit union. This unique combination supports a broader range of credit operations and fosters the development of a community-based approach to funding.

These capabilities distinguish Webtransfer in the DeFi space, where direct peer-to-peer (P2P) interaction without intermediaries is still rare. This approach not only increases the efficiency of risk management through the diversification of lending options but also promotes more active community involvement in management, making Webtransfer a pioneer in combining social interaction with financial technologies. This unique position may serve as a solid foundation for future growth and success of the project.

The maximum amount for a single loan within the Webtransfer network is capped at an equivalent of $1,000 USD, expressed in stablecoins such as USDT, USDC, and others supported by the platform. This limit has been set to minimize the risks to creditors, given the absence of traditional borrower verification. The maximum loan term is 30 days.

Webtransfer offers two main types of loans: secured and unsecured, with the possibility to choose additional conditions for each:

Secured Loans

These loans are issued against the collateral of cryptocurrencies, stablecoins, NFTs, and other digital assets. The collateral minimizes the risks for creditors and allows offering lower interest rates to borrowers. Depending on the terms, the collateral can exceed the loan amount by 150-200%. An example might be a situation where a borrower uses their crypto assets to obtain funding for business projects.

Unsecured Loans

These are issued based on the borrower’s social credit rating without physical collateral. These loans carry greater risk for creditors, which is reflected in higher interest rates. An example might be an education loan for a student with a high social rating.
More details about the social credit scoring system and its role in evaluating borrowers can be found in the section “Credit Scoring and Risk Management”.

Specialized Loan Types:

Secure Loans

This is a type of secured credit where, in addition to standard collateral, there is additional insurance from the insurance pool. This insurance pool is necessary to minimize risks in case the value of the collateral asset sharply decreases or if there are legal and operational issues in its realization. It also helps cover liquidation expenses and moral hazard. An example is financing a startup, where potential losses are partially covered by the insurance pool.

Direct Loans

Direct loans can be either secured or unsecured and do not involve additional insurance measures. These loans offer flexibility in choosing terms directly dependent on assessed risks. An example might be a short-term loan for purchasing and subsequent resale of goods for profit.

Interest rates on loans are formed based on a number of factors, including the type of loan, amount, term, borrower’s social credit rating, and current market conditions.

In summary, Webtransfer offers a limited number of basic types of loans, but each can be adapted to specific borrower needs and market conditions, ensuring the necessary variety and flexibility in financial operations.

At the heart of Webtransfer’s decentralized credit network lie credit liquidity pools — smart contracts that pool cryptocurrency funds provided by participants to finance P2P loans. Pools vary in the type of collateral accepted and the associated level of risk:

Secured pools: Loans are issued against the collateral of cryptocurrencies, stablecoins, NFTs, and other digital assets. The lower risk level and interest rates make these pools more attractive for creditors looking for more stable and secure investments.
Unsecured pools: Loans are issued based on the social credit scoring of participants without tangible collateral. The increased risk is accompanied by higher rates, which can offer higher returns for creditors willing to take on this risk.
Mixed pools: A combination of secured and unsecured loans with varying risk and return ratios. Mixed pools allow participants to diversify their investments within a single pool, balancing between risk and potential profit.

Participants in credit pools receive interest from loans issued, proportional to their share of liquidity contributed.

Mechanism of pool yield formation

The profitability of credit liquidity pools in Webtransfer is determined by the dynamics of supply and demand on the platform. Interest rates on loans are adjusted in real time, reflecting the current balance between borrower needs and creditor willingness to provide funds. This creates a natural regulation mechanism that promotes optimal resource allocation and provides competitive conditions for all network participants.

Participants have the opportunity to choose pools with different levels of risk and potential return, allowing them to individually tailor their investment portfolio according to their preferences and financial goals. Thus, participants are not only able to manage their investments but also actively influence their potential profit by choosing between more conservative or risky lending strategies.

Additionally, the platform provides tools and analytics to assess the current market situation, helping participants make informed decisions and optimize their return while managing risks.

These mechanisms ensure that the credit liquidity pools in Webtransfer not only serve as an effective tool for financing loans but also provide participants with flexible opportunities for investing and earning income.

To represent shares in credit liquidity pools, credit certificates — non-fungible tokens (NFTs) linked to credit pools — are used. When funds are deposited into the credit pool smart contract, users receive these NFT certificates, which are minted upon deposit and burned upon withdrawal of funds. Each certificate is unique and provides its holder with a number of important rights and benefits:

– Confirmation of the liquidity share contributed 到特定的信用池。

– The right to receive a portion of the interest income 从资金池发放的贷款中，与所贡献的流动性成比例。

– The ability to manage liquidity — adding or withdrawing funds from the pool at any time.

– The ability to trade Credit Certificates 在二级市场的所有持有者中。

Extended Uses of Credit Certificates:

Beyond their basic functions, Credit Certificates (LP NFT tokens) offer Webtransfer participants broader opportunities for interaction within the platform’s ecosystem:

– Use as collateral for obtaining loans: holders of credit certificates can use them as collateral to obtain loans within the platform. This allows participants to access additional financial resources while maintaining their share in the liquidity pools and the right to interest income.

– Investments in specialized investment pools: credit certificates can be directed to specially created pools that offer various investment strategies or focus on specific market segments. This provides holders the opportunity to diversify their investments and participate in new financial projects.

– 用作其他参与者贷款的工具： certificates can serve not only as collateral for the holders themselves but also be offered in pools where other participants can borrow against their own assets. This approach helps create additional demand for credit certificates and increases their liquidity on the platform.

These additional functions of credit certificates significantly expand their uses within the Webtransfer ecosystem, making them a multifunctional tool for managing personal finances, investing, and obtaining credit. They enable holders to actively participate in the platform’s economy, maximizing their investment benefits and providing new opportunities for growth and development across the ecosystem.

Thus, NFT Credit Certificates not only serve as a tokenized digital property right for a share in a credit pool and associated interest income streams but also ensure a high level of security and convenience in investment management. Trading these certificates on the secondary market enhances liquidity and provides additional opportunities for interaction and income for Webtransfer ecosystem participants.

Webtransfer 网络中的每个参与者都有一个社会信用评级，该评级是根据他们的社交关系和信任链内其他用户的互动历史、信用活动、评级和评论确定的。

该评级在发放无担保贷款以及设定限额、利率和所需抵押品水平以最大限度地降低风险方面发挥着至关重要的作用。

Webtransfer致力于开发和实施基于对用户社交、财务和行为数据的综合分析的先进信用评分模型。该系统将利用人工智能和机器学习的多因素评分模型来实时评估信用度。

历史背景下的创新：

Webtransfer 是世界上第一个实施 目视DNA法 to assess borrowers’ personality traits, using a test based on the “Big Five” model。这样可以更深入地了解用户的动机和偏好，从而提高他们作为借款人的可靠性评估。

评分的关键方面：

– Social credit rating: 每个用户都会根据他们在网络中的互动、信用记录、评论和其他用户的评级而形成个人评级。

– Comprehensive data analysis: 分析算法将考虑广泛的因素，包括资金流、社会关系、在线行为以及宏观经济和人口数据。

– Adaptive lending conditions: 贷款条件将根据信用评级和借款人财务状况的变化自动调整。

额外的信用评分参数——担保人评级

参数说明：

另一个信用评估参数是参与者的信用合作社或合作伙伴网络内的担保人数量。该指标反映了参与者在其他系统参与者中享有的信任程度及其吸引担保人的能力。

信用评分模型的整合机制：

1. 担保人的量化评估： 每个担保人根据自己的信用记录和评级，在信用评级上添加一定数量的积分。该评级还考虑了发放的贷款，允许担保人在信贷网络中进行活动。
2. 担保人核实： 自动化系统检查每个担保人的状况和信用背景，以确保其适当性和相关性。担保人的主动贷款不得超过担保期限并作为抵押品，这一点至关重要。
3. 限制和限制： 设置可以影响评分的最大担保人数量，以防止数据失真。
4. 动态评级更新： 根据担保人构成及其信用评级的变化定期更新评级。如果担保人已偿还已发放的贷款并从信贷池中提取资金，则借款人的评级应发生变化。保证期间，保证人不得提取相当于保证担保物的金额。

担保的引入加强了相互信任，促进创造更稳定的信用环境，提高信用度并获得更好的贷款条件。然而，存在共谋和滥用的风险，这需要严格的审计和控制程序来维护信用体系的完整性。

连续的提高：

Webtransfer 平台上积极实施人工智能方法增强了信用评分系统。利用反馈并分析用户行为将有助于提高借贷条件的准确性和公平性，降低金融风险并增强用户之间的信任和忠诚度。

这种方式不仅提高了信用系统的效率，而且强化了去中心化Webtransfer信用网络内的信任和互助原则，促进为所有参与者创造更公平、更安全的金融条件。

To ensure reliable protection of loans and stability of credit operations in the Webtransfer network, a decentralized insurance pool is functioning. This mechanism accumulates funds through a portion of fees charged on operations with secured loans, voluntary contributions from participants of the ecosystem, as well as investment activities of the pool itself.

Depending on the chosen level of insurance, a certain percentage of the interest earned is directed to the insurance pool to cover losses in case of borrower default.

Webtransfer offers two levels of insurance:

Full insurance (25%): when a loan is successfully repaid, 25% of the interest earned is directed to the insurance pool. This level of insurance guarantees full compensation for losses in case the borrower fails to repay the loan.

Partial insurance (10%): when a loan is successfully repaid, 10% of the interest earned is directed to the insurance pool. This level of insurance provides compensation for 75% of losses in case the borrower fails to repay the loan.

The maximum amount of insurance paid per loan is capped at $1,000, which matches the maximum size of a single loan. Interest on the loan is not covered by the insurance pool.

In the event that a borrower is unable to repay the debt (default), the creditor’s losses are compensated from the insurance pool funds. Compensation occurs through the redemption of credit certificates secured by the issued loan, with an addition of 5% annual interest to the amount of the unredeemed debt.

Thus, even in the event of a total default by the borrower, the creditor’s losses are fully compensated by the insurance pool and the subsequent realization of the collateral.

Transparency and accessibility of information about the size and composition of the pool are ensured through blockchain technology, allowing all network participants to track the state of the insurance pool in real time.

Distribution of funds and dividends

The Webtransfer insurance pool plays a key role in the financial stability of the network, accumulating funds through commissions from insured loans and investment activity. At the end of each calendar year, half of the accumulated funds in the pool are distributed among WEB token holders as dividends, while the remaining 50% are reinvested to increase the size of the pool and maintain its long-term stability.

Example of distribution:

2024年: The pool accumulated $1 million USD. Of this, $500,000 USD is distributed as dividends among WEB holders, and $500,000 USD remains in the pool for its expansion.

2025年: The pool collects an additional $1 million USD, increasing the total funds to $1.5 million USD. Of this amount, $750,000 USD is distributed among WEB holders, and the remaining $750,000 USD continues to augment the pool.

Thus, the Webtransfer insurance pool plays a key role in ensuring the security and stability of the platform. It not only protects the interests of creditors but also creates favorable conditions for WEB token holders, encouraging their active participation in the development of the ecosystem and contributing to its long-term success.

Diversification and investment

As part of the strategy to enhance system resilience and minimize risks, the insurance pool is continuously diversified. This is achieved by including a variety of instruments and assets that help reduce the overall risk of the pool. Funds from the insurance pool are invested in different asset classes, including stablecoins, government bonds, low-risk DeFi projects, and governance tokens of other protocols. Thus, even in the event of mass defaults, the pool can provide compensation for creditors’ losses.

Decentralized management

Management of the insurance pool is conducted by WEB token holders through decentralized governance mechanisms. WEB token holders can vote on key issues regarding the management of the insurance pool using a decentralized governance platform. This includes selecting assets for investment, changing insurance levels and compensation rules, and making decisions on payouts in complex cases. This approach not only promotes the democratization of the management process but also enhances participants’ trust in the insurance mechanism, making it transparent and predictable.

Credit unions in Webtransfer represent dynamic networks of partner organizations that create joint liquidity pools for mutual loan financing.

These unions span various countries, regions, and cities, and can also be formed around common interests, providing not only financial support to their members but also fostering the development of local economic initiatives through decentralized management and collective lending.

Credit unions are created, owned, and managed by their members, which may include both informal groups by agreement and legal entities, typically non-profit organizations. The exemption from corporate income tax on the revenues of legally registered non-profit credit unions is a significant advantage. This facilitates a more effective redistribution of resources within the union and provides additional incentives for the development and expansion of the union members’ credit opportunities.

Legal entities within credit unions may issue debit and credit cards for their members. These cards can support both fiat and cryptocurrency funds, providing union members with a convenient and flexible tool for managing their finances.

Additionally, credit unions can be organized in the form of a DAO (Decentralized Autonomous Organization), which offers further benefits such as the automation of management and operations, reduction in operational costs, and increased transparency in decision-making. A DAO operates based on blockchain smart contracts, ensuring a reliable and tamper-proof management system where each action or change in structure requires majority participant approval.

Participation in Credit Unions

Those wishing to join an existing credit union or to create a new association can start with active unions in their region or area of interest. This provides a first step towards actively influencing community economic development and gaining support from like-minded individuals.

Advancing Deep Decentralization

Webtransfer is moving towards complete autonomy and self-organization, highlighting the absence of centralized managerial roles, such as directors or managers. The platform serves merely as a foundation for credit operations, where each participant or structure is free to independently create websites and companies while still maintaining a connection with the extensive credit network. This ensures network integration based on cooperation and mutual aid, promoting growth and community development.

This model of decentralization allows each participant to be an initiator of change, fostering the democratization of financial interactions and strengthening financial stability through collective efforts.

Webtransfer values the contributions of every member of our community and especially recognizes the importance of those who have helped spread knowledge about our service in the past. Many of our loyal partners have actively participated in educating the community, creating educational materials and running blogs or YouTube channels. These materials have significantly eased the process for new users to understand and utilize our platform for lending.

As part of the new decentralized social credit network, Webtransfer aims to revive and enhance this network of interactions. We are pleased to announce the launch of an updated affiliate program that will provide unique incentives and resources to both old and new partners.

Partner Preferences Include:

– Rewarding with WEB tokens: partners actively promoting Webtransfer and attracting new users will be rewarded with WEB tokens. These tokens can be used for participating in platform governance or exchanged for other cryptocurrencies.

– Bonuses for forming large pools: partners who form significant credit pools through their affiliate networks will receive special bonuses in the form of additional tokens or improved conditions for their pools.

– Access to special tools and resources: providing partners with access to marketing and educational resources that will help them more effectively conduct their activities and attract more users.

Role of Partners in Forming Credit Unions:

Partners who attract new participants through their affiliate link and create an affiliate network are essentially forming a credit union. These unions act as a foundation for expanding the Webtransfer network, strengthening the community, and increasing credit opportunities.

History of Success and the Role of Partners:

It is noteworthy that Webtransfer’s early success required no investment in traditional advertising thanks to the active support of our partners. Their efforts stimulated organic growth and expansion of our community. In recognition of these contributions, we aim to enhance our support for our partners by providing them with all the necessary resources to continue developing and expanding our community.

This program is designed not only to reward our partners but also to ensure sustainable growth and expansion of our community. We believe that the active involvement of experienced participants in promoting our platform is key to creating a strong and transparent decentralized financial system.

The WEB token plays a central role in the Webtransfer ecosystem, performing key functions in the management of the protocol and its development. Holders of WEB have a voice in deciding key issues related to the development of the platform, including making changes to the protocol, updates, and adding new liquidity pools.

The distribution of the WEB token occurs through mechanisms of credit mining and staking in credit pools, as well as other rewards for active network participation. The voting process is decentralized, allowing each participant to influence decision-making proportionally to their share of WEB tokens.

Distribution of the WEB Token

New WEB tokens are distributed through two main mechanisms:

1. Credit Mining – participants of the platform receive rewards in WEB for issuing loans through the Webtransfer protocol. A larger volume of issued loans results in more tokens.
2. Staking in credit pools – holders of other cryptocurrencies can earn WEB by locking their assets in special Webtransfer liquidity pools and providing them for loan financing.

Additionally, tokens are periodically distributed among the most active network participants as a reward for contributing to community development.

Opportunities for Participation in Governance

WEB holders have the opportunity to directly influence the development of the Webtransfer protocol through decentralized voting mechanisms, including:

– Protocol updates – holders can vote for or against changes to the Webtransfer base code.

– Adding new liquidity pools – votes are conducted to include new cryptocurrencies and tokens in the platform’s liquidity pools.

– Changing protocol parameters – changing rates, limits, collateral requirements, and other key settings.

– Strategic decisions – votes on partnerships, roadmaps, token issuance, and other important issues.

The voting process is fully decentralized, with each WEB holder having a number of votes proportional to their token share. Decisions are made based on community consensus of token holders.

Thus, WEB not only stimulates participation in the Webtransfer credit system but also gives holders direct control over the present and future development of the protocol.

交易和智能合约安全是 Webtransfer 的首要任务。为了确保用户资金的可靠保护，将采用现代密码算法和安全协议。

技术选择和智能合约编程

Webtransfer已选择区块链平台 索拉纳, TON 和 多边形 考虑到其技术优势和用户可访问性，实施其智能合约。

• 索拉纳 因其高性能和低费用而被选中，使其成为可扩展解决方案的理想选择。 Solana 上的智能合约采用 Rust 和 C 开发，确保高性能和安全性。
• TON（电报开放网络） 因其与 Telegram Messenger 的独特集成，让用户可以通过知名的Messenger应用程序轻松管理自己的资产，利用FunC语言进行智能合约。
• 多边形 由于其高性能和低交易成本而支持我们的网络。与以太坊兼容，它允许开发人员使用现有工具和以太坊生态系统来创建可扩展且高效的应用程序。

跨网络互操作性的桥梁

为了增强跨网络交互并确保无缝操作兼容性，我们将开发一个桥梁，允许代币和 NFT 持有者在不同网络之间快速转移资产。这对于使用多个区块链平台的参与者尤其重要。这种桥梁的存在将使用户能够轻松转移资产，提高全球信用网络 Webtransfer 内服务的灵活性和可访问性。

智能合约的开发和测试

所有 Webtransfer 智能合约都将使用最佳编码实践进行开发，并将经过多轮测试以识别错误和漏洞。将采用适合每个平台独特功能的专用工具和测试程序。

独立审计和错误赏金计划

在不久的将来，Webtransfer 计划聘请一家或多家信誉良好的区块链安全公司对智能合约源代码进行独立审计。这将允许对潜在的漏洞、错误和错误进行全面检查。成功完成审核将确认系统的高安全级别。还计划了一项特别预算来组织漏洞赏金计划，旨在吸引道德黑客发现和修复漏洞，并根据所发现问题的严重性给予奖励。

Webtransfer努力遵守行业最佳安全实践，以确保最大限度地保护平台用户的资金和机密数据。

Webtransfer致力于去中心化社会借贷领域的不断发展和创新。我们的路线图侧重于改善用户体验、扩展平台功能以及与加密生态系统的关键要素集成。

2024年

Q3-Q4（优先）：

– Launch of credit liquidity pools for investors and borrowers.

– Implementation of advanced social credit scoring features for more accurate risk assessment.

– Development and launch of an educational program for new users on the basics of cryptocurrencies and P2P lending.

Q4:

– Integration with leading DEXs and CEXs (Binance, Coinbase, Uniswap) to increase WEB token liquidity.

– Implementation of decentralized insurance mechanisms to protect loans.

– Expansion of WEB token functionality, including participation in special staking and reward programs.

2025年

Q1:

– Launch of the Webtransfer mobile app, simplifying access to platform services.

– Launch of a loyalty program for active users and lenders.

– Development of tools for integration with global financial services and payment systems.

第二季度至第三季度：

– Implementation of innovative risk management tools based on artificial intelligence.

– Organization of an international hackathon for developers to create new DeFi solutions based on Webtransfer.

Q4:

– Expansion of the partner network with other DeFi and blockchain projects.

– Launch of cross-chain functionality to ensure compatibility of WEB with other blockchains.

长远眼光

– Development of the international Webtransfer ecosystem to support global P2P loans.

– Development of the proprietary Webtransfer blockchain for maximum scalability and security of the platform.

– Cooperation with government and international financial regulators to create a favorable legal environment for the development of DeFi and P2P lending.

对信用合作社的整合和支持

– Strengthening of credit unions: Webtransfer计划进一步发展和支持信用合作社，提高其风险管理能力和贷款能力。这包括引入新的风险管理和数据分析工具，使工会能够更有效地分配信贷资源并支持当地经济发展。

– Expansion of credit union functionality: As part of the goal for global integration and development, features will be introduced that allow credit unions to operate internationally, providing support not only in fiat but also in cryptocurrency operations. This will enhance opportunities for cross-border financing and interaction with international financial platforms.

Webtransfer 不断探索新的机会和技术，以增强其服务并扩大其在去中心化金融领域的影响力。我们邀请所有感兴趣的各方加入我们的旅程，为创造金融的未来做出贡献。

警告！投资 Webtransfer 存在风险。

Before investing in Webtransfer and related projects, please carefully review the following information:

投资加密货币项目，包括 Webtransfer、 具有高风险。尽管发放的贷款可能由保险池承保， 不可能完全消除投资损失的风险。

可能的风险包括但不限于：

• 地址黑客攻击： 尽管采取了安全措施，黑客仍可能访问 Webtransfer 地址并窃取资金。
• 合同错误： Errors in the code of Webtransfer’s smart contracts could lead to loss of funds.
• 不可预见的情况：
  • 市场风险： 加密货币市场波动性很大，容易发生意外变化，这可能会对您的投资价值产生负面影响。
  •  操作风险： Webtransfer 的开发人员、项目团队和其他责任方存在出现错误、疏忽或其他不可预见行为的风险。
• Fraud: There is a risk of encountering fraudulent schemes disguised as legitimate projects.
• 保险池默认： 尽管有保险，但如果准备金不足以覆盖所有索赔，则存在保险池违约的风险。

Webtransfer或其代表的任何声明不应被视为投资安全的保证。

Webtransfer不对因投资该项目而产生的任何损失负责。

您对做出投资决策承担全部责任并了解所有相关风险。

在做出投资决定之前，我们强烈建议您：

• 进行自己的研究： 研究 Webtransfer、其团队、技术和商业模式。
• 咨询财务顾问： 对投资的风险和潜在回报进行专业评估。
• 只投资你能承受损失的部分： 不要投资当前开支或偿还债务所需的资金。

请记住，投资加密货币是一项高风险活动。保持谨慎并做出明智的决定。

The decentralized social credit network Webtransfer represents an innovative solution in the field of P2P lending, combining the advantages of social connections and trust with advanced blockchain technologies, smart contracts, and decentralized finance. Unlike many existing DeFi protocols, Webtransfer is not only geared towards experienced crypto investors but also towards ordinary people striving for financial inclusivity.

Credit unions in our network play a key role as they not only strengthen the financial stability of their members but also promote the development of economic initiatives at the local level. The introduction of credit unions will help achieve the project’s goals by providing access to a broader and more diverse range of credit opportunities and supporting the principles of decentralization and self-management. This fosters the creation of a strong and mutually beneficial ecosystem, strengthening the community and ensuring its sustainable development.

Using the concept of liquidity pools and unique NFT credit certificates, Webtransfer provides a transparent and fair mechanism for financing P2P loans without intermediaries. The integration of social credit scoring systems and risk management allows for the issuance of both secured and unsecured loans with various levels of profitability and risk.

Currently, active work is underway on the development and testing of key smart contracts that form the basis of Webtransfer. After completing this important stage, the platform will be ready for public launch. Decentralized governance through the WEB token ensures that the development of the Webtransfer ecosystem will directly depend on its participants, who act on principles of openness and equal opportunity. The introduction of an insurance pool to protect loans underscores the commitment to the safety of funds and the protection of all participants in the credit process.

At the intersection of social networks, the crypto industry, and DeFi, Webtransfer offers unique financial opportunities and interactions for its users. The elimination of intermediaries, fair access to capital, and innovative credit tools usher in a new era in P2P lending, based on trust, transparency, and collective management.

The Webtransfer roadmap envisages further integration with leading blockchain wallets, decentralized exchanges, and other DeFi protocols, which will ensure seamless interaction with the crypto ecosystem and mark another step towards complete financial decentralization and inclusivity.

We invite everyone passionate about creating a fairer and more inclusive financial system to stay tuned for further announcements about the public launch of Webtransfer. After the launch, you will be able to register, purchase WEB tokens, and participate in managing the platform through votes on key ecosystem development issues.

Webtransfer: where everyone is a bank!