Криптовалюта humaniq что это

Humaniq Care is a charity and fundraising platform
built around our application and infrastructure

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

According to the World Bank’s Global
Financial Inclusion Database, there are
currently 1.7 billion people on Earth
who do not have access to official
financial services

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

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.

Join the global Humaniq
community

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

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

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.

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.

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.

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.

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.

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.

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.

Источник

Humaniq

Что такое Humaniq?

Ключом к успешному стартап-проекту является гарантия того, что этот проект предлагает уникальное и самое лучшее решение для устранения существующей проблемы. Проблема, которую нужно решить, заключается в отсутствии способа объединения миллиарда лиц без банковского счета с глобальной экономикой и в невозможности использования этими лицами всех сопутствующих преимуществ. У Humaniq есть блестящая инновационная модель, которая должна вам понравиться.

Humaniq использует заслужившую доверие архитектуру Ethereum, а не собственный блокчейн в качестве основы для платформы. Чтобы это было возможным, создан собственный торгуемый на биржах токен – HMQ. Помимо этого, система также будет способна обрабатывать транзакции в Ether, Bitcoin и, возможно, в других криптовалютах.

Курс на 11.06.2021

• Курс: 0.006646 USD
• Символ: HMQ
• Рейтинг (CMC): 1613

Как работает Humaniq?

Humaniq будет обеспечивать основанные на блокчейне финансовые сервисы и доступ к глобальной экономике пользователям в странах с формирующейся экономикой посредством мобильного приложения. Приложение способно создать огромную сеть пользователей, которые будут получать доступ к самым различным сервисам в области страхования, пирингового кредитования, поиска удаленной работы и кредитов для малого бизнеса, обеспечиваемым сторонними компаниями, подключающимися к сети посредством API-интерфейса Humaniq.

Humaniq создает совершенно новую финансовую экосистему, надстроенную поверх блокчейна Ethereum, которую действительно можно назвать беспроигрышной – конечные пользователи будут иметь возможность вырваться из бедности и приобщиться к цифровой экономике, а сторонники валюты получат токен, которому, помимо полезности, будет присуща стабильность и долговечность.

Хотелось бы уточнить, что речь идет не об универсальном мобильном приложении для традиционного банка, и команда не намерена становиться еще одним мобильным кошельком для Bitcoin.

Proof of Face

Система использует новую концепцию под названием Proof of Face (PoF), представляющую собой радикальное отхождение от энергозатратных методов PoS и PoW с большим объёмом вычислений, которыми пользуется большинство криптовалютных блокчейнов. Новые токены будут генерироваться действиями пользователей, такими как открытие счета (аккаунта), приглашение друзей и выполнение других разовых действий, поэтому каждый пользователь будет иметь начальное ограниченное количество HMQ, которое он может использовать, чтобы приступить к взаимодействию с экономикой Humaniq.

Чтобы устранить необходимость в формальных ID или адресах электронной почты и сложных паролях, Humaniq использует биометрическую идентификацию, как для регистрации новых пользователей, так и для проверки транзакций. Она станет первой сетью, которая гарантирует уникальность каждого пользователя.

Варианты использования Humaniq

Пиринговое кредитование

У пользователя есть идея сделать что-то продуктивное, но ему необходим капитал. Он выбирает функцию пирингового кредитования в приложении Humaniq и договаривается о небольшом займе с другим пользователем.

Страхование

Мастер хочет отправить сделанные им вручную статуэтки иностранному покупателю, однако ближайшая международная служба доставки находится за сотни миль. Продавец находит поставщика страховых услуг посредством приложения и страхует свой товар так, чтобы его стоимость была возмещена в случае повреждения или утери во время транспортировки.

Денежные переводы

Рабочий за границей хочет отправить деньги своей семье, однако ни у одной из сторон нет банковского счета. Вместо того чтобы платить высокую комиссию агенту по передаче, рабочий конвертирует свою валюту в Bitcoin и отправляет ее члену своей семьи, который использует мобильный кассовый сервис, чтобы конвертировать Bitcoin в местную валюту.

Удаленная работа

У компании есть простое онлайн-задание, которое сложно автоматизировать, при этом нанимать для его выполнения местных работников невыгодно. Пользователь Humaniq выбирает задания, которые он может выполнить и получает определенные суммы в Bitcoin, HMQ или Ether за свою работу. Подобные задания могут заключаться в выставлении рейтинга продуктов, размещении отзывов или модерировании видео.

Источник