Ripio Credit Network (RCN) es un protocolo que permitirá el préstamo de dinero entre personas mediante el uso de blockchain.
Actualmente existe una Dapp, aunque por el momento no hay un mercado activo de microcréditos:
Los intereses se ven bastante altos, más que el de los Bancos. Esto podría mejorar en la medida que existan mas ofertas de prestar dinero, tal vez así se puedan otorgar prestamos con tasas más accesibles para quienes deseen tomar un microcrédito.
La idea es otorgar microcrédito en moneda local a través del token RCN. Asi mismo, existen opciones de calificación de riesgo y aseguramiento de deuda en caso de incumplimiento.
Una alternativa interesante que vale la pena hacerle seguimiento. Este token se negocia en los mercados señalados en coinmarketcap
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BendicionesHola @danielfs, muy interesante tu post .
Dear @danielfs.
I do not understand very well the motivation of using this alternative that you present to us.
Is it a FIAT exchange but backed by cryptocurrency?
If interest rates are higher then this is a negative factor.
However, this is a factor that generates confidence.
I would like to take the opportunity to thank you for your support by nominating us and voting on the previous dpoll. I appreciate it very much. Thank you.
All best, Piotr.
Hi @crypto.piotr. Sorry for the delay, I've been very busy with my job.
For example, I can ask for a loan in colombian pesos and someone in europe can lend me EUR. I will receive the equivalent in RCN tokens. There are some middlemen who convert fiat to RCN tokens, verify my ID, score my credit rating. If i default, the cosigner or a local agent pays to the lender but can take legal actions against me in my jurisdiction.
Regards, Daniel
Thank you for your explanation @danielfs
appreciate it