Kwihlabathi eliya linxibelelana ngokwandayo, uqoqosho lwehlabathi lujongene nemingeni engazange ibonwe ngaphambili. Ukuguquguquka kweemarike, ukukhula kokungalingani kunye nokungxamiseka kobunzima bemozulu kusinyanzela ukuba sicinge ngokutsha ngeenkqubo zethu zemali. Kulo mxholo, I-EthicHub ivela njengovulindlela kwindlela entsha yezemali, isebenzisa iteknoloji ye-blockchain ukudala iimodeli zemali ezihlaziyiweyo (ReFi) ezihambelana notyalo-mali lwemali, lwentlalo kunye nokusingqongileyo
Index
Yintoni i-EthicHub?
Kumazwe afana neSpain, ukufikelela kwinkxaso-mali akudli ngokuba yingxaki enkulu, kodwa akunjalo ngama-25% abantu behlabathi, ngakumbi kumazwe asakhasayo okanye asakhasayo, asetyenziselwa ukujongana nemidla yonyaka engaphezu kwama-60%. .
I-EthicHub yindawo yotyalo-mali esebenzisa ubuchwepheshe be-blockchain ukudibanisa amafama amancinci kunye nababolekisi. Umbono kukubonelela ngenkxaso-mali efikelelekayo kumafama ebengenakukwazi ukufikelela kwiinkonzo zebhanki eziqhelekileyo. Kwaye ngaphezu kwakho konke, abatyali-mali kwiqonga abanako ukwenza impembelelo yentlalo kuphela, kodwa banokwenza i-8-10% inzuzo kwi-investment yabo.
Ukwenziwa ngokutsha kwe-EthicHub
Enkosi ekusebenziseni itekhnoloji ye-blockchain, I-EthicHub ivumela ukujikeleziswa kwemali simahla phakathi koqoqosho lwehlabathi lokuqala kunye namazwe asahlumayo ngeendleko zokusebenza ngaphantsi kwe-1%.
Ukuba oko bekunganelanga, i-EthicHub yokwenyani entsha isekelwe ekudibaniseni uqoqosho lokwenyani kunye ne-innovation enkosi ekusebenziseni i-crypto assets. Kwiqonga le-EthicHub zonke iimali-mboleko zi-over-collateralized nge-double collateral system. Ngakolunye uhlangothi, i-asethi yehlabathi lenene (namhlanje ikakhulu ikofu), kwaye kwelinye icala inkqubo "yesihlwele-isibambiso" (isibambiso esihlangeneyo).
Lo mzekelo wenza ukuba kwenzeke ukutyala imali ngokukhuselekileyo ngelixa amafama amancinci ekwazi ukufikelela kwinkxaso-mali efikelelekayo kubabolekisi kwihlabathi jikelele. Olu tyalo-mali luvelisa imbuyekezo yonyaka ephakathi kwe-8 ne-10% ngaxeshanye ibe negalelo ekuphuculeni umgangatho wokuphila wala mafama mancinane ngomsebenzi wawo wemveliso kumfuziselo wokuvelisa ixabiso ekwabelwana ngalo.
Ukukhula kwe-EthicHub
I-EthicHub ibonise ukukhula olomeleleyo kunye nempumelelo kwiminyaka yakutshanje. Ngesiseko sabatyali-mali abaphinda-phindayo abangaphezulu kwama-2.000, uxhase ngezimali isixa esingaphezu kwezigidi ezine zeerandi kwiingingqi ezingamafama ezingaphezu kwama-4.
Ngale ndlela, i-EthicHub iyazihlanganisa njenge Iqonga eliphambili kwimpembelelo yotyalo-mali kunye nokusetyenziswa kweteknoloji ye-blockchain.
Kwakhona, umanyano lwakutsha nje neHeifer International ixhasa ukukhula kwe-EthicHub enabadlali ababalaseleyo kwimarike yoTyalo-mali lweMpembelelo. I-Heifer International, umbutho wehlabathi jikelele ongenzi nzuzo osebenzela ukuphelisa indlala kunye nentlupheko ikwazinikele ekuxhaseni abavelisi abancinci, njengabahlali bekofu yaseMexico.
Umanyano phakathi kwe-Heifer kunye ne-EthicHub ihamba notyalo-mali lwe-420,000 yeedola ngokusebenzisa iqonga lokuboleka imali.. Olu tyalo-mali lulinge luza kuququzelela usasazo olusebenzayo lwemali-mboleko kookopolotyeni abafanelekileyo bekofu abathatha inxaxheba kwiProjekthi yeHeifer International's Beyond Coffee II eChiapas, eMexico.
Ukuqhubeka nokukhula kunye nokwandiswa kwayo, i-EthicHub inyuse i-2M yezigidi zeedola kumjikelo wayo weMbewu enkosi kuthatho-nxaxheba lwama-capitalist aphambili kwinkqubo yokuqalisa impembelelo, njani. Umhlaba weCrane o Flori Ventures.
Umjikelo weCrowdEquity
Ukugqibezela umjikelo wayo weMbewu, i-EthicHub iqalise umjikelo weCrowdEquity osele unyuse ngaphezulu kwe-60%.
Impumelelo yalo mjikelo ibonise ukuba lithuba elilodwa labatyali-mali. Umjikelo weCrowdEquity ujolise ekunyuseni i-€250,000, kwaye abatyali-mali banenketho yokuthatha inxaxheba ngetikiti lokutyala imali eyi-1,527. Ukutshintshana, abatyali-mali baya kufumana phakathi kwe-3% kunye ne-5% ye-equity kwinkampani kwaye iya kuvala ngo-Agasti 4.
Lo mjikelo wenkxaso-mali umele ithuba elinika umdla kwabo bafuna ukutyala imali kwinkampani enesibindi kunye nentsha eguqula i-ecosystem yezemali ngokugxila kwimali yokuvuselela..
Amatikiti otyalo-mali angafunyanwa ngokuthe ngqo i-EthicHub portal kwi-Adventurees, iqonga elikhupha umjikelo weCrowdEquity.
izicwangciso zokukhula
Phakathi kwezicwangciso zokuKhula, i-EthicHub Ijolisa kwiimali zotyalo-mali ezinefuthe. I-capital yeziko iyaqhubeka nokujongana nemingeni emininzi ukuze ifike ngokufanelekileyo kwiindawo apho ifuneka khona kwaye isisombululo esenziwe yi-EthicHub sivumela ukuphuculwa okukhulu xa kuthelekiswa neenkqubo zemveli ezingasebenziyo.
Ukutshayela utyalo-mali lweempembelelo zemali, "I-EthicHub iqwalasela ithuba lokwamkela ubume bezemali, njengengxowa-mali yotyalo-mali okanye i-trust," utshilo u-Joan de Ramón Brunet, iNtloko yokuKhula kokuqalisa.
Umbono woShishino lwe-EthicHub
Ukuqukumbela, i-EthicHub i ibalasele njengeqonga lotyalo-mali elisesikweni eliqhuba inguqu kwezemali kunye nenguquko yezemali ehlaziyiweyo. Ukusebenzisa iteknoloji ye-blockchain, i-EthicHub idibanisa amafama amancinci anengeniso kunye nababolekisi kunye nabathengi, ukubonelela ngokufikelela kwinkxaso-mali efikelelekayo kunye nokudala impembelelo entle kwezentlalo kunye nokusingqongileyo.
Iqonga le-EthicHub lisekelwe kwi-a imodeli yoshishino eyodwa usebenzisa ingcamango "yesihlwele-isibambiso" (isibambiso esihlangeneyo), ukuvumela amafama amancinci angenampahla yemveli ukuba afumane inkxaso-mali kubabolekisi kwihlabathi jikelele. Olu tyalo-mali lunegalelo ngqo ekuphuculeni umgangatho wokuphila kwamafama kwaye lukhuthaza ukuveliswa kwexabiso ekwabelwana ngalo.
I-EthicHub iye yafumana ukukhula olomeleleyo kwiminyaka yakutshanje, exhaswa sisiseko sabatyali-mali abaphinda-phindiweyo be-2,000 kunye nenkxaso-mali epheleleyo engaphezulu kwe-4 yezigidi zeerandi ezingaphezu kwe-600 yoluntu lwamafama. Iqonga liye laba a inkokeli kutyalo-mali olunempembelelo kunye nokusetyenziswa kwetekhnoloji yebhloko, kunye nomanyano lwayo lobuchule kunye neHeifer International ibonisa ukuzinikela kwayo kuphuhliso oluzinzileyo nokuphelisa intlupheko.
Ukongeza, i-EthicHub ikwinkqubo yokuqhuba a Umjikelo weCrowdEquity ukuxhasa ngezimali ukukhula nokwandiswa kwayo. Lo mjikelo umele ithuba elichulumancisayo kubatyali-zimali abanomdla wokuthatha inxaxheba kwinkampani ekhaliphileyo nevelisa izinto ezintsha eguqula ubume bezemali ngokugxila kwimali yokuvuselela.
Ngezicwangciso zokukhula kwexesha elizayo ezibandakanya ukuhlola iimali zotyalo-mali ezinefuthe, i-EthicHub ibekwe ukuba iqhubeke nokukhokela indlela eya kwinkqubo yezemali equkayo, elinganayo nezinzileyo. Joyina inguqu ye-EthicHub kwaye ube yinxalenye yotshintsho olusingise kwikamva lezemali elinobulungisa nelinoxanduva ngakumbi.