EMPOWERING THE UNBANKEDEMPOWERING THE UNBANKED

Empowering
the unbanked

Self-deploying financial
infrastructure: true hope for
the unbanked, blue ocean
for business

A project on a global scale, receiving
support 10,000 contributors.

12 341

people have already joined Humaniq

01.

The first mobile service with
the capacity to change the world

Humaniq is a new generation financial services
with its own cryptocurrency, which is aimed at
eradicating poverty amongst millions of people
living in the emerging economies

For the unbanked people

Humaniq opens up the benefits of financial inclusion and grants access to a series of financial services

For businesses

Humaniq enables start-ups and projects to offer their services to an audience of billions

02.

According to the World Bank's Global
Financial Inclusion Database, there are
currently 2.5 billion people on Earth
who do not have access to official
financial services

53%
Total 2,455
million adults
03.

The world is ready for change

Including the poorest in the financial system increases the value of their assets, transforming the underlying economics of financial services through digital currency - helping those who live in poverty directly.

Bill Gates

The world is ready for change

Because of technology, we can help shape the arc of history to bend it towards financial inclusion and greater human progress. Financial inclusion is a massive undertaking – one that can only be met together – across countries, sectors, and industries.

Ajaypal Singh Banga, MasterCard CEO

The world is ready for change

Widely used digital finance has the power to transform the economic prospects of billions of people and inject new dynamism into small businesses that today are held back for lack of credit. Emerging economies have an opportunity to use mobile technologies to provide digital financial services for all, rapidly unlocking economic opportunity and accelerating social development.

McKinsey Global Institute Report September 2016

The world is ready for change

In pyramid of development the bottom-most layer needs to be strengthened through financial inclusionimproving purchasing power of the poor.

Narendra Modi

The world is ready for change

Including the poorest in the financial system increases the value of their assets, transforming the underlying economics of financial services through digital currency - helping those who live in poverty directly.

Bill Gates

The world is ready for change

Because of technology, we can help shape the arc of history to bend it towards financial inclusion and greater human progress. Financial inclusion is a massive undertaking – one that can only be met together – across countries, sectors, and industries.

Ajaypal Singh Banga, MasterCard CEO

The world is ready for change

Widely used digital finance has the power to transform the economic prospects of billions of people and inject new dynamism into small businesses that today are held back for lack of credit. Emerging economies have an opportunity to use mobile technologies to provide digital financial services for all, rapidly unlocking economic opportunity and accelerating social development.

McKinsey Global Institute Report September 2016

The world is ready for change

In pyramid of development the bottom-most layer needs to be strengthened through financial inclusionimproving purchasing power of the poor.

Narendra Modi

The world is ready for change

Including the poorest in the financial system increases the value of their assets, transforming the underlying economics of financial services through digital currency - helping those who live in poverty directly.

Bill Gates

The world is ready for change

Because of technology, we can help shape the arc of history to bend it towards financial inclusion and greater human progress. Financial inclusion is a massive undertaking – one that can only be met together – across countries, sectors, and industries.

Ajaypal Singh Banga, MasterCard CEO

The world is ready for change

Widely used digital finance has the power to transform the economic prospects of billions of people and inject new dynamism into small businesses that today are held back for lack of credit. Emerging economies have an opportunity to use mobile technologies to provide digital financial services for all, rapidly unlocking economic opportunity and accelerating social development.

McKinsey Global Institute Report September 2016

The world is ready for change

In pyramid of development the bottom-most layer needs to be strengthened through financial inclusionimproving purchasing power of the poor.

Narendra Modi

04.

What makes Humaniq
a big thing

Connecting the unbanked

10 years of research across Asia and Africa, carried out by the authors of Portfolios of the Poor, showed that poverty proliferates in regions whose inhabitants do not have access to financial services. Humaniq is becoming the simplest route to financial inclusion for billions of people.

User base exponential growth

According to Metcalfe's law, the value of a network is proportional to the square of the number of its users. For Humaniq, this means that the more unbanked people who join the system, the greater the motivation will be for other people to join.

05.

Simplicity and safety for the unbanked

Biometric authentification

Users are verified by their face and voice, eliminating the need for formal documentation

Independent HMQ currency

Every new user receives $20 worth of HMQ in their account, the value of which bears no relation to their local currency

The interface is simple to interact with

Even for those who have never used gadgets before

06.

Extraordinary opportunitites for business

Based on Ethereum blockchain protocol

Guaranteed security against hacking, corruption and loss of information thanks to complete decentralisation

Independent fund and accelerator

External projects and promising ideas can receive expert support and investment for a launch into the Humaniq system

Open API

Any project can merge into the Humaniq system

07.

Humaniq's ever‑growing
userbase is a blue ocean for
thousands of new projects

1 billion
new users in the
coming years
$4 trillion
potentially in
user accounts
200+
start-ups are planning
to move onto the
Humaniq platform
08.

Humaniq use cases

Zero fee money transfers

Blockchain technology allows users to carry out direct money transfers, cutting out the middleman. The money is transferred as our HMQ cryptocurrency and withdrawn via authorised exchange points. Users can choose the point with the best exchange rate, therefore avoiding any financial monopolies.

Remote work

Companies can utilise Humaniq's ever-growing user base to carry out tasks involving the processing of information. Users can decode and translate texts, identify photographs, locate geotags and so on, in return for renumeration.

Charity without corruption

Charity, carried out in the traditional way, often leads to a large proportion of donated money falling into the wrong hands. Blockchain technology, combined with the infrastructure of Humaniq, ensures that donations are completely transparent: stakeholders are able to see what every penny is spent on and can be sure that all of their money is going to help people.

Guarantor lending

Grameen Bank in Bangladesh has created a system of loans based on honesty and trust, which guarantees over 90% repayment. The Humaniq system allows for the creation of a similar system but on a global scale: every person on Earth will be able to take out a commission-free loan using nothing but a smartphone and the Humaniq app.

Direct lending to entrepreneurs

Following the principle of the non-profit organisation Kiva Microfunds, which enables loans for entrepreneurs on low incomes, Humaniq will become a platform for both donations and loans. You can lend money to a business you'd like to support, either as a grant or with the expectation of a return – the blockchain technology makes this process incredibly simple and effective for both parties.

Zero fee money transfers

Blockchain technology allows users to carry out direct money transfers, cutting out the middleman. The money is transferred as our HMQ cryptocurrency and withdrawn via authorised exchange points. Users can choose the point with the best exchange rate, therefore avoiding any financial monopolies.

Remote work

Companies can utilise Humaniq's ever-growing user base to carry out tasks involving the processing of information. Users can decode and translate texts, identify photographs, locate geotags and so on, in return for renumeration.

Charity without corruption

Charity, carried out in the traditional way, often leads to a large proportion of donated money falling into the wrong hands. Blockchain technology, combined with the infrastructure of Humaniq, ensures that donations are completely transparent: stakeholders are able to see what every penny is spent on and can be sure that all of their money is going to help people.

Guarantor lending

Grameen Bank in Bangladesh has created a system of loans based on honesty and trust, which guarantees over 90% repayment. The Humaniq system allows for the creation of a similar system but on a global scale: every person on Earth will be able to take out a commission-free loan using nothing but a smartphone and the Humaniq app.

Direct lending to entrepreneurs

Following the principle of the non-profit organisation Kiva Microfunds, which enables loans for entrepreneurs on low incomes, Humaniq will become a platform for both donations and loans. You can lend money to a business you'd like to support, either as a grant or with the expectation of a return – the blockchain technology makes this process incredibly simple and effective for both parties.

Zero fee money transfers

Blockchain technology allows users to carry out direct money transfers, cutting out the middleman. The money is transferred as our HMQ cryptocurrency and withdrawn via authorised exchange points. Users can choose the point with the best exchange rate, therefore avoiding any financial monopolies.

Remote work

Companies can utilise Humaniq's ever-growing user base to carry out tasks involving the processing of information. Users can decode and translate texts, identify photographs, locate geotags and so on, in return for renumeration.

Charity without corruption

Charity, carried out in the traditional way, often leads to a large proportion of donated money falling into the wrong hands. Blockchain technology, combined with the infrastructure of Humaniq, ensures that donations are completely transparent: stakeholders are able to see what every penny is spent on and can be sure that all of their money is going to help people.

Guarantor lending

Grameen Bank in Bangladesh has created a system of loans based on honesty and trust, which guarantees over 90% repayment. The Humaniq system allows for the creation of a similar system but on a global scale: every person on Earth will be able to take out a commission-free loan using nothing but a smartphone and the Humaniq app.

Direct lending to entrepreneurs

Following the principle of the non-profit organisation Kiva Microfunds, which enables loans for entrepreneurs on low incomes, Humaniq will become a platform for both donations and loans. You can lend money to a business you'd like to support, either as a grant or with the expectation of a return – the blockchain technology makes this process incredibly simple and effective for both parties.

09.

Humaniq global
challenge

Life-changing technology

Humaniq grew out of the idea that advanced technologies should benefit everybody. Now, we want to inspire developers from all over the world to come and join our movement.

Humanitarian impact

Humaniq is not just a commercial project. It is a worldwide mission, aiming to give people in developing nations more power to change their lives.

10.

Humaniq expedition: the first
step in financial inclusion

Startup contest

In order to bring together a network of like-minded individuals and then choose 10 projects for entry into the Humaniq system, we are launching the Humaniq Global Challenge for entrepreneurs, developers, marketing specialists and economists.

Benefits

10 Finalists will receive expert advice from top consultants in their field, as well as the chance to gain investment and to enter the Humaniq accelerator.

Trip to Kenya

The three best teams will go on a trip to Kenya to learn more about the lives of the unbanked and put the finishing touches to their projects ahead of an ICO, which will be supported by Humaniq.

11.
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