DATRIUS - FIRST SOCIAL P2P CRYPTOBANK
🌍Kryptobank Datarius - is a decentralized partially closed system.
🌍Kryptobank Datarius - is a decentralized partially closed system.
🌍 As a p2p site, the system allows the user to make a decision on the appropriateness of using certain of its services and applications, which in turn makes it possible to almost completely eliminate the cost of servicing transactions.
🌍Datarius provides a direct link between lenders, borrowers, as well as related services - managers, analysts, insurance companies, funds, trading terminals.
☀Что мы делаем?☀
"Our main goal is to ensure free and equal access to the maximum number of financial products to people from all over the world. Our main mission is to create a completely new transparent financial product. Provide the consumer with clear tools and the most extensive opportunities. Give freedom of choice and action. Provide a high level of automation, which will help overcome the classical doubleback_figure.pngonality of both the system and services, and communication with the consumer. To socialize the Fintech product, through open comments to participants and transactions, through "popular" ratings and confidence limits. Get away from the annoying imposition of the product line. To stand next to the client and give an opportunity to an active and competent participant to profit with the project through special functions, co-branding and affiliate programs. Become open and transparent in everything.
"We would like to demonstrate by our example that decentralization and the absence of borders are a blessing, and that a financial company can and should be a partner, a guide and a friend.
💵Our advantages: 💵
💰- the most complete set of financial instruments: Currency transactions (automatic exchange / internal exchange / gateways to the TOP exchange), Direct lending (in 3 variants), Investment programs (in 2 variants), Credits for SMEs, Deposits up to demand, Intrasystem card products (both direct - in the intrasystem unit, and sluice through partner companies).
💵Our advantages: 💵
💰- the most complete set of financial instruments: Currency transactions (automatic exchange / internal exchange / gateways to the TOP exchange), Direct lending (in 3 variants), Investment programs (in 2 variants), Credits for SMEs, Deposits up to demand, Intrasystem card products (both direct - in the intrasystem unit, and sluice through partner companies).
💰- an entirely new approach to credit scoring based on new unique algorithms, taking into account the already available data from partner companies;
internal accounts of users are duplicated by real physical accounts, which further expands opportunities for the period of development of the block economy of the economy;
💰- enhanced integration of Crypto currency-Fiat bundles including the integration of instant messaging systems.
💰- enhanced integration of Crypto currency-Fiat bundles including the integration of instant messaging systems.
💰- unique verification methods in partnership with pre-existing block projects in this segment;
💰- a system of trust limits, with the ability to define a limit for a particular user / group / of all users according to pre-defined criteria, which enables the system to become even more social.
💰We will be glad if you share with us the concept and idea of the project. We will be grateful for any, personally your, participation and support.
💰 "It is easier to light one small candle than curse the darkness" (Confucius).
The DTRC token is a unique access key and the only tool for participating in the DATRALISUS DECENTRALIZED CRYPTOBANK SYSTEM.
The DTRC token is a unique access key and the only tool for participating in the DATRALISUS DECENTRALIZED CRYPTOBANK SYSTEM.
The range of financial products is formed, among other things, by holders of DTRS tokens, which through an intangible contribution take a direct part in the development of the company. The redeemed tokens give the right to active holders to receive 65% of the fees and charges collected by Datarius cryptobank, distributed annually starting from 2019, in proportion to the number of holder's tokens.
Limit the number of tokens: 200.000.000 DTRC
The fixed value of the token is 1 $
UNEXPECTED ITO TOONS WILL BE DESTROYED BY THE ITO
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💻Технологии💻
Payment system under the DPL license
Foundation Darius, on which the whole ecosystem will subsequently be built, is a full-featured payment system based on DTR tokens. Let's get acquainted with the features and components of this system.
Foundation Darius, on which the whole ecosystem will subsequently be built, is a full-featured payment system based on DTR tokens. Let's get acquainted with the features and components of this system.
💰 An innovative authentication partner interface that combines a high level of security and ease of use;
Dashboard control panel with useful widgets;
Receiving and sending the local currency (tokens) DTR to the wallets of users of the Darius system;
Acquisition of DTR tokens by the intra-system exchange rate using traditional payment systems. Already at this stage Datarius users can replenish their account in the system through a simple bank payment using the international SWIFT system or European SEPA. Consultations are being conducted on the processing of payments made with credit cards and PayPal.
Sale of DTR tokens with the possibility of withdrawing fiat money from the system.
User profile containing personal information, a detailed history of operations in the system, data on the preferences and behavior of the user.
Rating system. The rating of each user is affected by two basic factors: feedback on cooperation and algorithmic analysis of the account, ranking based on data on user activity and the level of verification in the system.
User profiles are groups that allow you to differentiate access rights to information and add additional functionality to certain categories of users.
Opportunity to open disputes for resolving disputes. The system of internal arbitration Dätrius allows for an open discussion and voting, and the weight of the user's voice depends on his rating in the system.
Forcing two-factor authentication (2FA) when exceeding a certain purse balance for additional security;
Send secure messages that allow you to communicate with other users of Darius, and with the administration of the system.
Knowledge base is a Wiki-like system designed to ensure the ease of mastering all Darius instruments. It contains step-by-step tutorial videos and illustrated articles with a detailed description of all the features of the system.
Dätrius effectively solves the problem of exchanging fiat money for crypto currency and back, through the receipt of the Data Processing License (DPL) in Costa Rica. This license allows us to work as a payment system and issue electronic payment means, as well as provide brokerage services and manage customer assets.
Dashboard control panel with useful widgets;
Receiving and sending the local currency (tokens) DTR to the wallets of users of the Darius system;
Acquisition of DTR tokens by the intra-system exchange rate using traditional payment systems. Already at this stage Datarius users can replenish their account in the system through a simple bank payment using the international SWIFT system or European SEPA. Consultations are being conducted on the processing of payments made with credit cards and PayPal.
Sale of DTR tokens with the possibility of withdrawing fiat money from the system.
User profile containing personal information, a detailed history of operations in the system, data on the preferences and behavior of the user.
Rating system. The rating of each user is affected by two basic factors: feedback on cooperation and algorithmic analysis of the account, ranking based on data on user activity and the level of verification in the system.
User profiles are groups that allow you to differentiate access rights to information and add additional functionality to certain categories of users.
Opportunity to open disputes for resolving disputes. The system of internal arbitration Dätrius allows for an open discussion and voting, and the weight of the user's voice depends on his rating in the system.
Forcing two-factor authentication (2FA) when exceeding a certain purse balance for additional security;
Send secure messages that allow you to communicate with other users of Darius, and with the administration of the system.
Knowledge base is a Wiki-like system designed to ensure the ease of mastering all Darius instruments. It contains step-by-step tutorial videos and illustrated articles with a detailed description of all the features of the system.
Dätrius effectively solves the problem of exchanging fiat money for crypto currency and back, through the receipt of the Data Processing License (DPL) in Costa Rica. This license allows us to work as a payment system and issue electronic payment means, as well as provide brokerage services and manage customer assets.
Darius takes into account the experience of the famous Liberty Reserve payment system, which operated under the DPL license. Extended user verification and withdrawal limits allow the Darius system to operate exclusively within the legal framework, which increases the level of trust both from users and from existing payment systems and banks.
Already at the initial stage, Darius has additional functionality, which allows to speak about the existence of a full ecosystem, within which the user can not only make payments and transfers, but also receive the necessary financial services.
Personal IBAN (co-branded)
Each user of the system receives a purse to which a personal account is linked to the corresponding IBAN - international bank account number. All user accounts are linked to the Datirius system account in a partner bank, on which a certain balance of funds is regularly maintained. This allows you to enter and withdraw fiat money within the established limits without involving intermediaries, such as exchanges or exchangers. Despite the presence of additional commissions related to the maintenance of transactions and bank accounts, this approach gives users a number of undeniable advantages, such as the absence of additional risks from participation in the exchange of third parties, as well as the speed of input and withdrawal of funds.
Each user of the system receives a purse to which a personal account is linked to the corresponding IBAN - international bank account number. All user accounts are linked to the Datirius system account in a partner bank, on which a certain balance of funds is regularly maintained. This allows you to enter and withdraw fiat money within the established limits without involving intermediaries, such as exchanges or exchangers. Despite the presence of additional commissions related to the maintenance of transactions and bank accounts, this approach gives users a number of undeniable advantages, such as the absence of additional risks from participation in the exchange of third parties, as well as the speed of input and withdrawal of funds.
Using multi-currency accounts
In Dailius, a user can create and use wallets nominated in any currency. Due to this feature, the system turns into a full-fledged payment hub, which makes it possible to freely convert various national and crypto-currencies without resorting to their exchange at other sites.
In Dailius, a user can create and use wallets nominated in any currency. Due to this feature, the system turns into a full-fledged payment hub, which makes it possible to freely convert various national and crypto-currencies without resorting to their exchange at other sites.
Technically, multicurrency wallets can be implemented in two ways. In traditional payment systems, purses nominated in different currencies work according to the principle of balancing. In the case of Darius, this option means the instantaneous exchange of the DTR token to a user-selected currency that is credited to his account. Crypto currency allows to solve this issue in another way - to use smart coins (smart coin), the value of which is tied to any other currency: both phiatic and digital.
The use of smart coins underlies multi-currency purses at the first stage of the development of Darius. As the user base grows, the use of smart koins in combination with the classical "balancing" approach becomes available. As a result, the user can use the same account number for full-fledged work with any national and crypto currency, while the necessary conversion will occur in fully automatic mode.
The use of smart coins underlies multi-currency purses at the first stage of the development of Darius. As the user base grows, the use of smart koins in combination with the classical "balancing" approach becomes available. As a result, the user can use the same account number for full-fledged work with any national and crypto currency, while the necessary conversion will occur in fully automatic mode.
p2p lending
p2p lending is one of the most dynamically developing services in the financial market. According to the estimates of Research and Markets, by 2022 the volume of the p2p loan market will reach $ 460 billion with a value of only 26 billion by the end of 2015.
p2p lending is one of the most dynamically developing services in the financial market. According to the estimates of Research and Markets, by 2022 the volume of the p2p loan market will reach $ 460 billion with a value of only 26 billion by the end of 2015.
The p2p lending system in Dätorius has two main objectives:
increase reliability and automate the technical aspects of issuing credit by using smart contracts and writing data to the unit;
analysis and grouping of loan applications by risk level - is achieved through the introduction of algorithmic selection and, in some cases, processing by analysts of the Darius system.
In order to gain access to the p2p crediting system, users need to undergo a verification procedure (the principle known as "Know Your Client") by filling in personal information in the profile and confirming the mobile phone number. The procedure for issuing and repaying the loan is carried out in several stages:
analysis and grouping of loan applications by risk level - is achieved through the introduction of algorithmic selection and, in some cases, processing by analysts of the Darius system.
In order to gain access to the p2p crediting system, users need to undergo a verification procedure (the principle known as "Know Your Client") by filling in personal information in the profile and confirming the mobile phone number. The procedure for issuing and repaying the loan is carried out in several stages:
Participants in the transaction enter into a contract in electronic form, which has legal force. The user can request a loan both in fiat money and in the crypto currency.
The lender sends the assets to the interim loan account, to which the label with the contract number is added.
A smart contract analyzes the labels to payment orders and automatically sends the currency from the loan account to the borrower's account. The fact of the loan is registered in the detachment.
The Borrower makes monthly payments from his account to the creditor. The smart contract adds a label with the contract number to the next transaction, after which it is written to the block account.
When all payments are made in full, the closure of the transaction is recorded in the block.
The users rating is updated.
The registration of transactions in the block system ensures the conditions remain unchanged, and smart contracts automate the process of transferring funds between the borrower and the lender.
The lender sends the assets to the interim loan account, to which the label with the contract number is added.
A smart contract analyzes the labels to payment orders and automatically sends the currency from the loan account to the borrower's account. The fact of the loan is registered in the detachment.
The Borrower makes monthly payments from his account to the creditor. The smart contract adds a label with the contract number to the next transaction, after which it is written to the block account.
When all payments are made in full, the closure of the transaction is recorded in the block.
The users rating is updated.
The registration of transactions in the block system ensures the conditions remain unchanged, and smart contracts automate the process of transferring funds between the borrower and the lender.
To simplify the selection of applications and offer the most favorable conditions for borrowers and lenders, all applications are divided into 3 listings.
The main listing - includes the least risky medium-term and long-term applications for raising funds from competitors with a high rating. Each transaction in the main listing is preliminarily analyzed by the risk department of Dätorius. All loans in the main listing are insured by partner companies. In the first stage, Darius uses the services of traditional insurance companies. In the long term, the appearance of decentralized insurance systems is expected.
Ensuring a guarantee of repayment of funds is a priority task of creating the Basic Listing. To contain the risk department, Darius charges a commission from each transaction, which is calculated individually for each loan, taking into account the interest rate, amount and term of the loan. The commission is charged at the time of the deposit refund.
The second listing also consists of low-risk medium and long-term applications, but unlike the first list, the application data are not analyzed by the risk department of Dätirius. All work on filtering applications takes on a unique algorithm that determines the degree of transaction reliability, based on data on the user profile, interest rate, terms and other loan parameters. When returning a loan, a small commission is required to maintain the system and further improve the algorithms of data processing. Transactions can be insured by accepting conditions of an additional offer from a partner insurance company.
The third listing is a list of ordered orders from all borrowers. A wide range of additional tools and enhanced verification provided by partner companies allow obtaining maximum information about the applicant and potential risks in order to make an independent decision on each application. This type of transaction involves the smallest amount of commission.
Applications from the Second and Third Listings can be transferred to the Primary Listing as a result of successful processing at the Darius Risk Department. If necessary, the creditor or the borrower can initiate a paid processing of a particular application. The applicant has the opportunity to set a prohibition on the processing of the application by the risk department. Such an application has an additional mark and is rejected automatically.
The third listing is a list of ordered orders from all borrowers. A wide range of additional tools and enhanced verification provided by partner companies allow obtaining maximum information about the applicant and potential risks in order to make an independent decision on each application. This type of transaction involves the smallest amount of commission.
Applications from the Second and Third Listings can be transferred to the Primary Listing as a result of successful processing at the Darius Risk Department. If necessary, the creditor or the borrower can initiate a paid processing of a particular application. The applicant has the opportunity to set a prohibition on the processing of the application by the risk department. Such an application has an additional mark and is rejected automatically.
Co-branded payment cards
The creation of payment cards is an important element of Darius integration into the everyday life of users, which allows to significantly expand the target audience of the project.
The creation of payment cards is an important element of Darius integration into the everyday life of users, which allows to significantly expand the target audience of the project.
At the first stage, we offer users cards with their own design, additionally containing the logo of our partner. Work with payment cards is in many respects similar to the mechanism of using a personal IBAN and is implemented with the help of a partner provider. When ordering a card, an additional account is created for the user, which is also linked to the administrative account of the system. All the work on the card is carried out by the partner. Darius receives data on transactions with the card through the provider API: the system can only maintain the required balance on the account of a particular user who owns the card.
Exchange of assets
Creating an exchange on the basis of a powerful payment system turns Darius into a full-fledged hub for the exchange of digital assets. Within the exchange, users can conclude transactions for the exchange of a wide range of payment instruments, including both DTR tokens and fiat money, as well as other crypto-currencies. At the discussion stage, there is the possibility of buying and selling loans: this tool will significantly increase the flexibility of the system and expand the creditors' capabilities. Trade on the stock exchange is conducted in a fully automatic mode.
Creating an exchange on the basis of a powerful payment system turns Darius into a full-fledged hub for the exchange of digital assets. Within the exchange, users can conclude transactions for the exchange of a wide range of payment instruments, including both DTR tokens and fiat money, as well as other crypto-currencies. At the discussion stage, there is the possibility of buying and selling loans: this tool will significantly increase the flexibility of the system and expand the creditors' capabilities. Trade on the stock exchange is conducted in a fully automatic mode.
Insurance of transactions
Insurance of transactions in Darius is carried out with the help of partner companies. By purchasing a transaction insurance service, the user confirms acceptance of the offer and makes a deduction to the insurance fund - a special account of the partner company registered in the Dätirius system. In the event of violation of the terms of the transaction, the user receives compensation from the insurance fund.
Insurance of transactions in Darius is carried out with the help of partner companies. By purchasing a transaction insurance service, the user confirms acceptance of the offer and makes a deduction to the insurance fund - a special account of the partner company registered in the Dätirius system. In the event of violation of the terms of the transaction, the user receives compensation from the insurance fund.
Online training center for users of the system
Darius is designed for a broad target audience, so the most important condition for the successful development of the project is the rapid involvement of new customers in the process of using the system. The interface of most modern crypto-currency projects is designed for a technically savvy user and causes serious difficulties for people who are interested in digital finance for the first time. In order for the client to quickly master the capabilities of the Datarius system and begin to use it efficiently, we created an on-line online assistant that will step-by-step introduce the user to the interface of the payment system and explain the functionality of the payment system in an accessible language. In the event that the user wants to expand his knowledge about certain aspects of the Darius system, he can always do this in a Wiki-like Knowledge Base,
Additional information:
Our site:
https://datarius.io/ru
Our telegram:
https://t.me/datariuscryptobank
Our twitter:
https://twitter.com/Datariuscrypto
Our facebook:
https: //www.facebook. com / datariuscryptobank /
White paper:
https://datarius.io/uploads/1edf86edae2cb9beb278d9c1718d3ca6.pdf
Our site:
https://datarius.io/ru
Our telegram:
https://t.me/datariuscryptobank
Our twitter:
https://twitter.com/Datariuscrypto
Our facebook:
https: //www.facebook. com / datariuscryptobank /
White paper:
https://datarius.io/uploads/1edf86edae2cb9beb278d9c1718d3ca6.pdf
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