For the long-term development of the economy on the Serey blockchain platform, one interesting direction can be considered: crowdlending. For general understanding, this is one of the types of collective financing, in which any user of the Serey platform, as a borrower, can receive funds in Serey tokens from an investor on the platform, as a participant in the program for the development of their business, subject to a refund with interest payment. And, what is crowdlanding? This is a financial transaction based on the agreement of the parties (participants of any community on the Serey platform), as a lender or investor in the proposed project and a borrower who needs financing for his project online on the Internet, marketplace or offline in the real sector of the economy (while in Russia) – cooperation, farming, small and medium-sized businesses (industrial production, agriculture, processing of agricultural products) and international trade, including the exchange of shares.
Crowdlending on blockchain today is a convenient tool for lending to individuals and legal entities of various types of projects in business, that is, it is a mechanism for collective investment under loan agreements. And also when using debt obligations using Digital Promissory Note online and Promissory Note offline. Crowdlending is more like classical lending, but instead of banks, private individuals act as creditors, including today the possibilities of using this tool on the blockchain, as an example, the Serey platform. Today, the crowdlanding market in the USA and Canada is estimated at more than $75 billion, and the European market is estimated at more than $24 billion. The Russian market looks modest today, compared to the Western market - it is only no more than 10-12 billion rubles. But the forecast is positive, due to the development of digital trends in business and the banking sector, where the volume of crowdlending will double in 2023-2024.
Then the question arises, how much can an investor earn by participating in any business project on the Serey platform? Here, I think investors will be attracted by high profitability - it may exceed the rates on bank deposits several times, but at the core it is about 25-30% per annum. But at the same time, any yield is very different by segments, if it is considered in cryptocurrency, as an example, Serey tokens. The contractual terms of the debt obligation on the loan received by the user of any community of the Serey blockchain platform for investing in Serey tokens are usually at a loss of 2-4 months and no more than 6-12 months. It should be understood that crowdlending is a short-term financing of any project, but by agreement of the parties, the initial contract can always be extended (extended). Against the background of low bank rates, more and more people are looking for ways, if not additional earnings, then at least saving savings.
Therefore, interest in investment instruments will only increase. If a business (online and offline) needs to finance its projects, and banks refuse to lend to entrepreneurs, then crowdlending based on the Serey blockchain platform can be a good tool for obtaining the necessary amount of investment in Serey cryptocurrency tokens with additional consideration of participation in transactions and stablecoins by token type – 1 USDT. And how do users of the Serey platform invest? In order for some users to invest in the proposed projects, and for others to receive investments for these, it is necessary to register on the Serey platform and replenish the account in the Wallet of the user's account as a participant in the investment program. After that, you can get acquainted with the list of projects that need financing and distribute your funds among them. The minimum and maximum amounts of investments in Serey tokens depend on how the parties agree.
In order for many investors (large and small) to come to us on the Serey blockchain platform, a completely new innovative economy is needed so that it becomes one of the best social networks on the world Wide Web (Internet). It is necessary to change the imposed standards and apply a different approach to solving goals and tasks by developing a concept that will be convenient for all users of the platform. Crowdlanding will be one of the directions of solving problems for the economy. Literally all exchanges have it all, as a tool for making a profit. This means that it is also possible to apply it on the Serey platform, because blockchain-based decentralization gives complete freedom of choice to both the platform and communities, as well as users and participants of the ecosystem. When users develop their own business on the platform, the platform itself will develop not only economically, but also socially, which is very important for all parties. Because the project participants will improve the well-being of their families.
Тhanks!