NEPRI BUSINESS FUNDING

Loans without vollateral

With non-collateralized Business Loans up to $1,000,000 to businesses based on NEPRI Fair and Inclusive Scoring, we support alternative credit scoring for SMEs so that they can access funding, Small to medium enterprises (SMEs) are the corner stone of creating economic growth in an economy. We leverage new technologies to help educate, fund and mentor SMEs.

And the next frontier of investing and Open Capital formation, NEPRI Enterprise Token Offering (ETO): a type of private/public offerings in which future profits of a company are sold to investment savvy members of the NEPRI Community, that will help fill the $4.9 trillion credit gap for MSMEs and businesses in EMDEs, having difficulties to access loans, credit or funding.

With NEPRI ETO, we are building the Nasdaq for Emerging markets and ordinary people.

An Enterprise Token (ET) is a new asset class that represents the proportionate claim of future profits generated by a company.

It is a Transparent – Accessible – Inclusive – Accountable – Certain – Trustworthy alternative to ICO, IPO, IEO, Crowdfunding and Crowd equity.

It is Collaborative, community members Help projects, earn rewards. Token incentives empower a Smart Crowd to contribute more than funds.

The NEPRI ETO is a token sale framework in which security tokens are EPH-backed for up to 15 months. This by design generates a token model that is stable to the downside but has the freedom to move upwards. 100% of the circulating supply is backed by EPH stable-price token for the first 15 months after the Enterprise Token Generation Event. The Enterprise Token supply remains static during this time.

An ETO’s downward movement is limited through guaranteed buybacks financed by 80% of the raised funds, the Enterprise Token retains the ability to move upwards through a speculative, security and utility value.

Speculative, security and utility value of an Enterprise Token are based on business and product success, revenue-based buybacks, liquidity events including distribution of dividends, achievements of milestones, business and financial results, Enterprise Token-based loyalty programs, etc.

Projects or businesses selling Enterprise Tokens under a ETO framework guarantee to return 80% of the raised money back to ETO participants through buybacks.

A ETO offers its participants the ability to refund any token, no matter if they held them or sold them at a profit, If the Enterprise Token value falls by more than 25% from the initial price, ETO participants can generate risk free profits by buying tokens from the market and refunding them. Refunded tokens are automatically burned reducing the circulating supply by up to 100%.

The NEPRI Venture Risk Tokenized Bond is a product we will launch to create nearly zero-risk venture investments. First, startups issue bonds, then retail purchases these bonds, and then the principal money collected from retail generates interest on insured and overcollateralized margin lending.

The generated interest is given to startups, who in return give equity or tokens. At bond maturity, the principal funds are returned to retail. So, retail ends up with their initial money back, plus tokens or equity in a startup.

Fees will be collected from a portion of funding generated by startups, and from a portion of tokens or equity received by NEPRI Venture Risk Tokenized Bond holders.

The NEPRI Venture Risk Tokenized Bond is an asset class native to the NEPRI platform. It will need liquidity, and the platform will also facilitate that.

To clarify, a NEPRI Venture Risk Tokenized Bond, like any bond, locks funds and returns them after a maturity date (like an expiry date). Only at maturity date, the funds are unlocked from the Venture Risk Tokenized Bond. It’s likely that some (or many) people may want to exit their position before a Venture Risk Tokenized Bond’s expiry date. The NEPRI Venture Risk Tokenized Bond Exchange facilitates this demand.

There will be trading fees.

The NEPRI VRTB Exchange will be open to all for trading Bonds of tokens. Bonds of equity, even though it is crowd equity, will be open to only accredited investors, due to legal requirements.

NEPRI Venture Risk Tokenized Bond is a structured financial product designed to do the following:

· Enable startups to issue a bond accessible to retail

· Deploy principal funds collected from bond purchasers to generate interest in overcollateralized DeFi/CeFi margin lending markets based on NEPRIV tokenized risk protocol

· Swap interest for equity/tokens: the interest generated from the principal becomes funding to startups, while the retail purchasers of the bond earn tokens/equity

· At bond maturity, bond buyers are returned their principal

While the bonds may generate just 8% to 10% in interest, which as mentioned above is nothing special, the early-stage equity or tokens they are swapped for could deliver a 100x. With the bond, retail only captures 10% of the growth in the swapped equity or tokens. So, a 100x translates to 1,000% growth not 10,000% growth. Even then, 1,000% is far, far more exciting than the base 10%, yet it does not risk principal funds like traditional venture capital.

Of course, the swapped equity or tokens may go to 0, and hence achieve a -100% return, which is the key reason retail has been aversive to venture investments to begin with. However, with the VRTB, the principal was not exposed to early-stage equity or tokens. So, a swapped token or equity reaching -100% return in fact leads to a 1x return, essentially no change in portfolio.

NURVIA is a decentralized lending platform for loans without collateral. This is the missing piece that finally unlocks crypto lending for most people in the world. We are presenting NURVIA, a protocol building one of the biggest missing pieces of DeFi: loans without collateral. We believe this is the crucial step that finally opens crypto lending to the majority of the world.

The protocol works by extending credit lines to lending businesses on NEPRI Community App. These businesses use their credit lines to draw down stablecoins from the pool, and then they exchange it for fiat and deploy it on the ground in their local markets. In this way, the protocol provides the utility of crypto — specifically, its global access to capital — while leaving the actual loan origination and servicing to the businesses best equipped to handle it.

On the investor side, crypto holders can deposit into the pool to earn yield. As the lending businesses make their interest payments back to the protocol, they’re immediately disbursed to all investors.

A Risk Tokenized Loan is a structured financial product designed to do the following:

1. Enable SMEs and reputable lending businesses to ask for a loan by issuing a Risk Tokenized Loan accessible to retail

2. Deploy money collected from lenders/investors and Risk Tokenized Loan purchasers to generate interest on principal in overcollateralized DeFi/CeFi margin lending markets

3. Swap interest for Risk Tokenized Loan: the interest generated by the loan is given as funding to SMEs and reputable lending businesses, while the retail purchasers of the bond earn tokens

4. At loan maturity, loan underwriters and RTL buyers are returned their principal

While the loans may generate just 8% to 15% in interest, which as mentioned above is nothing special, the Risk Tokenized Loan they are swapped for could 100x or even 1,000x.

With the loan, retail only captures 15% of the growth in the swapped Risk Tokenized Loan. So, a 100x translates to 1,000% nor 10,000%. Even then, 1,000% is far, far more exciting than 15%, yet it does not risk principal funds.

Of course, the swapped Risk Tokenized Loan may go to 0, which is the key reason retail has been aversive to lending to begin with. However, with the Risk Tokenized Loan, the principal was never exposed to loans. So even if a swapped loan reaches -100%, the net return in fact leads is a 1x return, essentially no change in portfolio.

Risk Tokenized Loan Exchange

The Risk Tokenized Loan is an asset class native to the NEPRI platform. It will need liquidity, and the platform will also facilitate that. To clarify, a Risk Tokenized Loan, like any loan, locks funds and returns them after a maturity date (like an expiry date). Only at maturity date, the funds are unlocked from the Risk Tokenized Loan. It’s likely that some (or many) people may want to exit their position before a Risk Tokenized Loan’s expiry date. The Risk Tokenized Loan Exchange facilitates this demand. There will be trading fees. The RTL Exchange will be open to all for trading loans of tokens.

With NEPRI ETO and NEPRI VRTB we plan to change the way that businesses and people raise capital. We seek to democratize investing and open-up new asset classes to millions of investors. We will provide liquidity to private companies and other alternative asset classes in a way that had never been possible before through the issuing and trading of Enterprise Tokens.

We strongly believe that Enterprise Tokens and VRTBs are the inevitable next step in the evolution of our industries and, together, we will be able to provide a true one-stop shop spanning sharing profits, trading and secondary markets for Enterprise Tokens, and providing a seamless experience to the retail investor to benefit from all of this.

NEPRI ETO and NEPRI VRTB are the infrastructure to enable trillions of dollars of profits to migrate to the Blockchain in Frontier EMDEs taking into consideration the human factor.

NEPRI ETO and NEPRI VRTB have their own proprietary trading platform called NEPRI ETExchange and NEPRI VRTB Exchange where people can buy and sell their Enterprise Tokens, it is 24/7 trading, 365 days a year, Accessible to 3.6 billion unbanked/banked smartphone users, with Programmable Enterprise Tokens and VRTBs, Trading with Liquidity, Investor Management, Negligible Transactions Fees and Compliant Fundraising.

NEPRI ETO & NEPRI ETExchange, NEPRI RTL & NEPRI RTL Exchange , and NEPRI VRTB & NEPRI VRTB Exchange - are components of our platform for startups and medium-sized growing companies where they can access more capital while realizing their growth potential. It will serve as an important growth platform, enabling entrepreneurs across emerging and developing markets to access growth capital to develop and expand their businesses. There is a well-functioning ecosystem surrounding NEPRI ETO, NEPRI RTL, and NEPRI VRTB, with advisers facilitating a smooth listing process and a range of investors supporting the market, from retail investors to institutional capital. A company can join NEPRI ETO, NEPRI RTL, and NEPRI VRTB regardless of the country of origin or industry sector. A key factor for success is that there is investor interest for the company’s Enterprise Tokens.

NEPRI ETO and NEPRI VRTB enable decentralized asset tokenization. Tokenization of real-world assets will produce value much in the same way that ‘Equitization’ did. With NEPRI ETO and NEPRI VRTB, we can now buy fractional profits in any business. Tokenization will further reduce friction in asset trading and ownership. NEPRI will transform the $3T issuance market of private securities.’

At the end of the day, whether companies choose to go public or stay private indefinitely, the need for liquidity and capital raising will be there. NEPRI ET (Enterprise Token) and NEPRI VRTB are keys examples of how the old paradigm of public-to-private is fast becoming irrelevant, as companies look for more efficient and cost-effective ways of growing and maintaining their businesses.

According to Prequin over $3 trillion have been raised in the private markets in 2018. With over $256 trillion of illiquid assets potentially on the verge of being offered as ‘fractional investment,’ this creates an unparalleled opportunity for growth.

The $14 Trillion Opportunity. A report by Prequin predicts that the alternative asset market will grow to $14 trillion globally by 2023 that represents about 60% growth from the current level. Moreover, on the $12 trillion globally managed by wealth advisors, nearly 50% of wealth advisors allocate to alternative investments.

With NEPRI ETO our goal is to finance 100 enduring companies by 2030 in EMDEs each of them making $1 Billion revenue per year, we will power and build the next wave of enduring unicorns for tomorrow’s Emerging Markets.

Moreover, with NEPRI Business Funding we will finance 10 Million SMEs with a minimum of $1000 and a maximum of $1Million non collateralized loan for each, and each of them employing directly and indirectly minimum 10 persons, therefore contributing in the creation of 100 Million jobs and impact, with a direct focus on providing 5 Million women entrepreneurs with solutions that can help them grow their businesses.

We believe the only sustainable growth is inclusive growth. The only way we’re going to achieve that is by building a more connected world where everyone has equal access to funding and a better life.

The COVID-19 outbreak is felt acutely by small businesses, especially those without access to the financial services they need to weather economic downturns. Now, more than ever, access to credit and loan, secure savings, and investment opportunities are critical and fundamental to any size business owner’s ability to thrive.

As digital and traditional markets recover from the financial crisis and rebound to health in the second half of 2020, continued liquidity troubles will force real-world businesses to seek out creative new fundraising sources. Some will inevitably turn to digital currency-supported crowdsales like the NEPRI ETO and NEPRI VRTB to survive. In some industries, unrealistic lending conditions from banks will lead NEPRI RTL to help underwrite real-world business deals.