Egoras microfinance protocol provides uncollateralized micro-credit to small entrepreneurs. To solve the high-interest rate problem, Egoras protocol introduces on-chain governance where the interest rates are determined by the people, in which no central body or company determine the interest. In other words, the users determine the interest rate. To address the dependence issue, the Egoras protocol uses an on-chain treasury system to make sure that Egoras protocol doesn’t lack the funds or liquidity for the loans and these funds are governed by the people. Finally, the Egoras protocol introduces collateral lending to address over-indebtedness in the microfinance sector. In this regard, small businesses’ assets will be converted to non-fungible tokens and they represent the collateral. These assets will be sold off when the borrower defaults in repaying the loan. By voting on Egoras, users can support causes that they care about and make an impact:<ul><li>Connect wallet and lock EGR on Egoras lending protocol, Browse by category and find an entrepreneur to support to receive ETH voting rewards</li><li>EGR voters receive two kinds of rewards. Firstly, they receive EGR voting rewards, which are created through the inflationary monetary policy. Secondly, they receive ETH which is generated when the borrowers pay back the loans. EGR voters receive two kinds of rewards. Firstly, they receive EGR voting rewards, which are created through the inflationary monetary policy. Secondly, they receive ETH which is generated when the borrowers pay back loans</li><li>EGR holders are responsible for governing the Egoras Lending Protocol, which includes approving and declining loans. The EGR tokens locked up during the governance process are returned to the holder 72hrs after the governance process is over.</li></ul>Your collaterals are represented as NFTs (Non - Fungible Tokens). This means you can transfer your collateral ownership without undergoing rigorous legal works. You can easily claim your collateral after your loan period. All transactions are recorded as NFTs on a public Blockchain, (Thus every transaction is public and immutable).

Egoras IDO on Yellow Road twitter announcement.

Egoras IDO on Yellow Road.

Egoras IDO on Zendit, option 1.

Egoras IDO on Zendit, option 2.

Egoras Rights

Egoras microfinance protocol provides uncollateralised micro-credit to small entrepreneurs

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