IOUverse
MULTIeconomy
uniVERSE

Tokenomy, connected with real world

Alice, is a young mom, a designer, who lives in Africa (or in Latam, Ukraine or anywhere).

She saw a beautiful hairstyle and wants to get this service from Bob the hairdresser, but she has no money. :((

Bob plans to redesign his hair salon, but like Alice he does not have money...((

Issuers can create their own IOU, tokenized promissory notes, backed by value; goods and or services.

●According to Word Bank,
40% of micro, small and medium enterprises (MSMEs) in developing countries, have an unmet financing need of $5.2 trillion every year*

●Getting loans or investments most difficult for micro businesses, startups and self-employed, gap is $718 bln./y

*https://www.worldbank.org/en/topic/smefinance

interchained with DisPOS

IOUswap - Uniswap-based AMM decentralized exchange to swap IOUs for stable coins or IOU-to-IOU swaps

Startucati.one
(teachers and students - pitch)

IOU.loans
(borrowers and lenders - pitch)

IOUS.team -
for startups

IOU.works
(freelancers - pitch)

IOUbnb.com
(homeowners)

Startucati.one
(teachers and students - pitch)

IOU.loans
(borrowers and lenders - pitch)

IOUS.team -
for startups

IOU.works
(freelancers - pitch)

IOUbnb.com
(homeowners)

IOUpath - algorithm to find most effective way to exchange one IOU to any another without "central" exchange currency, by using sequence of exchanges 'IOU by IOU'.

algorithm

swap path

“Soulbound”, #SBT - tokens, that bounds with user’s social profile or gaming profile or government authority
https://vitalik.ca/general/2022/01/26/soulbound.html


Feedback means… feedback - user, who owns or uses token can enter feedback and rate it!


Developing since 2020: https://github.com/IOUnet/

*https://github.com/stanta/dispos

*Source:https://globalfindex.worldbank.org/sites/globalfindex/files/chapters/2017%20Findex%20full%20report_chapter2.pdf

1.3 billion people live in extreme poverty, making less than $2 a day. *

~ 1 billion don’t have enough money to use bank services.

1.7 billion people around the world were unbanked in 2017.

5-10% fee for services arranged via IOU’s exchange

sends to DAO Coprosperity.world

Most advanced entrepreneurs in 20% PAM

Prospective market share 20%
Estimated revenue with 5% Fee = $140 mln.

Microbusiness & self-employed financing gap worldwide (by Word Bank*)

*https://www.worldbank.org/en/topic/smefinance

Partner in Africa - http://www.uaba.io/

MENA
- Uzbekistan
- Kazakhstan
- Pakistan
- Turkey
- Morocco
- Egypt

SE Asia:
- Indonesia
- India

Africa
-Kenya
-Nigeria
-RSA

LatAm
-Mexico
-Venezuela
- Honduras

Localization for domestic communities, like credit cooperatives. 2 Partnerships in progress:
UABA.io has agreed to run a pilot program South Africa and draconisglobal.com expressed to create a IOU India fund.

Also partners in

Community of IOUers

Read

https://www.linkedin.com/company/iou-ecosystem/
https://www.linkedin.com/company/angelesvc/
https://www.linkedin.com/company/iou-works/

1000 members

https://twitter.com/IOUsLoan

https://t.me/IOULoan

https://discord.gg/fJ44aq3NA6

550+ members

https://www.facebook.com/iouverse/
https://www.facebook.com/AngelesIOU

Serg Stepanets, CTO, cofounder Ukraine

https://www.linkedin.com/in/taktaev/
https://github.com/stanta
https://gitlab.com/stanta/dfd

https://www.linkedin.com/in/jordan-gitterman-8898bb5/

https://www.linkedin.com/in/sergey-stepanets-a7696b5a/ https://github.com/stepanetssergey

Stan Takta, CEO founder Russia

IT entrepreneur since 1997
Founder of 3 blockchain startups since 2015. The president of Moscow chapter Government Blockchain Association.

Jordan Gitterman, CBDO,
Cofounder, USA

Jordan Gitterman has over 25 years of business management and finance experience

As well as an entrepreneur, PhD in medicine & IT with more than 15 years of experience in Ukraine. Expert in ERP systems. Programmer by hands in Python, JS

Done: IOU dApp v2 on Polygon, Celo, Harmony, MoonRiver, Aurora

Continue multichain launching :
-Ontology
- BSC

Start pilot in Zambia
Launch with
UABA

What We Need

$310,000 for Q3 2022 - Q4 2022, for


develop IOU exchange and platform and market them

Launch MVP in Africa


Table with Budget

External users from mainnet can buy tokens IOUT for crypto money via bridge and place orders on exchange.

They can look for other IOUs by keywords in the description and place the buy orders for these tokens.

Borrowers can list their (and anybody's) IOU tokens that they have, on IOU.deals exchange, and make sell orders, in ethereum POA net, with anchoring every block in public testnet.


Users of exchange can place orders for a type of service (as painting, programming, writing, etc).

They pay for placing IOUT tokens, that they have to buy for their tokens or for crypto money.

creditors

auditors

borrowers

characters by Rudie Strummer

Bad scenario, broken rating

Alright scenario, good rating

characters by Rudie Strummer

Role of auditors
The consensus of auditors determines the rating of the borrower’s profile, based on community rating and additional due diligence.

If auditors rates his/her SureIOUs less than 50%, no insurance given for this deal. If the rating is 50% and over, creditors get proportional insurance, f.e. if the rating is 75%, insurance will be 75% of the loan sum. Insurance pays from auditor’s royalty fund.

Auditors receive payment for work in system tokens. Auditor's royalty as a percentage of the loans, but can’t get until money returned.

characters by Rudie Strummer

We offer:
●Faster and easy access to loans than banks,
●Cheaper and transparent money than microfinance,
●Scalable model than credit cooperatives.

IOUverse
MULTIeconomy
uniVERSE

Tokenomy, connected with real world

CALL TO ACTION 1

CALL TO ACTION 2