Imagine your in Africa in a region with where unemployment is 94% but you have little chance of getting a job. Your family, your parents, your spouse, your children are all in the situation with you.

Now see a future where an option exists for an african to bring an idea for doing something to make their own work, raising chickens for shops, opening a store, doing something that will bring an income to them and their family but not alone.

See this future where they can use the smartphone they have to connect to a community with business advisors, tools and training on how to do create their own job. A community where loans are available from people with available resources, training is provided on how to start and keep a business going, support is available.

In this future we are building, they are introduced and vouched for by someone already on the platform and has borrowed and repaid a loan. They can then access the lessons, read the stories of others who did similar things to them and use the tools to prepare a plan for their business.

They are guided and receive feedback on their plan. Once they have a plan that looks like it will work, then are assessed for a micro-loan. This maybe a figure like 150 USD. If they are vouched for and the plan is acceptable, they get allocated token in the app for that amount and details for where they can go to swap the tokens for cash.

The business starter takes their phone to a local business that swaps tokens for cash and vis-versa then they can start.

They are not alone in their journey, they have at least one business adviser who will contact them and be available, plus access to others who have done a similar business successfully on the platform.

The advisor checks in with them through the period of their first phase. For a chicken farmer that might be six weeks from funding and buying the hatchlings to the same of the grown chickens.

Once they have finished their first business activities, they buy tokens to pay back the loan. Paying back the loan increases their status on the platform and gives them access to more loans and being able to vouch for other borrowers.

When they pay back the tokens, the person who vouched for them, the token transacting business and the advisor all increased status on the platform and success payments are made.

Everyone is incentivised for the new business activity to be successful and for the loans to be repaid.

The new business person can then get more funding to do the next activity. After a few rounds they should have enough to self fund unless they want to grow.

The overseas contributors buy the tokens in their local currency and the platform manages the lending, this way the currency is converted, tracked and the handling of cash reduced.