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Global Microfinance Platform with Blockchain-Based Earmarked Funds

yameo.eu

Financial services

Information technology

Non-profit

Current Challenges in Microfinance

Existing microfinance solutions often lack transparency, are slow to disburse funds, and struggle to reach individuals in areas with limited internet connectivity and smartphone access. Traditional lending carries higher risk, and public funding lacks clear tracking of earmarked funds.

About the Client

COIN22 is a fintech company disrupting private lending and public funding through earmarked blockchain finance, focused on financial inclusion in developing regions.

Project Goals

Develop a secure and transparent platform for earmarked financing using blockchain technology.
Enable mobile money payments to individuals globally, even with limited internet access.
Reduce risk in lending and improve the tracking of public funds.
Facilitate faster payouts to suppliers and quicker access to income for producers.
Create a scalable platform capable of handling a growing user base and transaction volume.

Platform Functionality

Web-based management panel for platform administration and monitoring.
Ethereum blockchain-based ledger for secure and transparent transaction recording.
Merchant web portal for product and service sales.
Customer account portal (accessible via SMS for ‘dumb’ phone users).
SMS gateway integration for transactional and communication purposes.
Account opening and fund earmarking functionality.
Supplier payment processing.
GDPR compliance for data security and management.

Technology Stack

Ethereum Blockchain

SMS Gateway

Web Technologies (unspecified)

Blockchain Architecture (two-token)

System Integrations

Mobile Money Providers
SMS Gateway Providers
Potential Banking APIs

Non-Functional Requirements

Scalability to support a large user base and transaction volume.
Security to protect sensitive financial data (GDPR compliant).
Reliability and availability for continuous operation.
Performance to ensure fast transaction processing.
Flexibility to accommodate future feature additions.
Offline functionality for areas with limited internet connectivity.

Expected Business Impact

The platform is expected to result in a 90% quicker payout for suppliers, 85% faster access to income for producers, and 50% of earned revenue being earmarked for future investments. The platform has the potential to impact over 20,000 rural farmers across two continents and handle over 1 million euros in transactions, leading to significant financial inclusion and economic growth.