The traditional banking industry established more than 600 years ago and is not able to solve the outstanding credit gap! Both are responsible- banks and small businesses.
The banks are responsible for cherry picking and mostly working with less risky and larger businesses due to low risk tolerance of traditional finance industry.
As there are so many legacy solutions in the banking industry, mostly inflexible and standardized terms are used. It is very costly for banks to serve each individual customer. Thus banks are trying to maximize their income from each individual business case by working on larger business cases.
Also the abundance of local banks where a fellow banker would be familiar with a local business is a thing of the past.
Only in the US individual banks have been reduced by two-thirds in the last 30 years. Such decline of individual banks can be explained by centralization that brings more internal regulations and centralized processes.
This fact makes it harder for banks to serve small, local companies. Good financial management is rarely a core strength of a small business. Actually accessing external finance is often named as the poorest area of expertise. The industry that has taken the challenge to solve the problem. It is often referred to as ‘alternative finance’.
As the name itself suggests, alternative finance is when someone borrows money or sells equity, choosing an option to go a non-traditional, noninstitutional route. Alternative finance is an umbrella term for various financing options such as peer to-peer lending, crowdfunding, balance-sheet lending,invoice trading, supply chain finance, reverse factoring, merchant loans, VAT financing,etc. No single institution, company, or regulator covers all business spheres in alternative finance.
And that‘s exactly where we start!
That‘s why Alphacrypt was interested in a professional and long-term solution that believes in the future of a loose funding and investment opportunity.
Such alternative finance services usually ensure initial access to financing for SMEs by providing services and financing when traditional banks would not participate.
What is Alphacrypt?
Alphacrypt is a new cryptocurrency which aims to become the best alternative to current popular coins such as Bitcoin or Ethereum.It is digital public money created by complex mathematical computations and validated by millions of computer users.
Alphacrypt-Coins are digital coins which you can store on your computer drive, smartphone or hardware wallet.
Once you own Alphacrypt-Coins, they behave like FIAT. They possess value and can be traded like stocks in popular exchanges. In the future you‘ll be able to use them to purchase goods and services. We are also in the funnel to
provide debit cards.
how it works
Globalization of available capital Partly the geographical mismatch is being solved by many alternative finance
companies especially marketplaces and P2P platforms.
However, many of them operate in a single or limited market. Because of our professional experience we have understood that different steps in the financing process are often very specific.
Therefore it is urgently necessary to make decentralization possible in terms of of blockchain technology. Our solution minimizes the existing credit gap.
This process requires three main features:
#. Trust
#. a complete end to end financing process
#. a structure that promotes exponential growth.
Infrastructure
Alphacrypt is a comprehensive middleware with it´s core running on Ethereum blockchain and a number of gateways ready to incorporate counterparties who run other standards of distributed applications. Since Alphacrypt does not incorporate its own consensus mechanism, it´s attack to sensitive data resistance and fault tolerance are equal to those of Ethereum’s. For the same reason, the system has no internal common mode failure problem
Token economy
To understand if a Alphacrypt token is sufficiently likely to gain value over time after the Crowdsale, it is important to apprehend the token economy within the Alphacrypt ecosystem.
Alphacrypt token (ALC) The goal is to create a fast growing, trusted, self-governed and global business financing ecosystem. A Network, that is built around its members and employs single ecosystem’s cryptocurrency.
ICO schedule
Token Distribution
ROAD MAP
The Team
Due our notoriety in the financial segment, we decided to publish our names and complete CVs after the last ICO round. We want to remain anonymous to allow all investors the same opportunities and not to stimulate token purchases in the background. Furthermore, because of our notoriety, we do not want to prevent anyone from participating. We want to avoid false envy and to assure the project´s full potential for development. We hope that there will be understanding of this decision, especially because some of us are still engaged in their current service relationships. We try to give the community a certain clue about our expertise with our partial CVs.
#. Marc
He is an experienced asset manager who started developing algorithmic strategies more than 10 years ago. He completed his masters degree in Economics and his Ph.D. in Finance at the Oxford University.
#. Candice
The mastermind architect of "Alpacrypt" technology. A blockchain geek.
#. Louise
He is a strategy and banking IT professional. Through his time as project manager he proved deep expertise in implementing technology projects.
#. Megan
She is CMO of Alpacrypt. After completing her studies in economics, she was drawn to the advertising industry, where she has been working for more than 12 years for several wellregarded agencies.
#. Larry
Our CFO received his MBA from the University of Cambridge. Since then he has been an expert when it comes to loans, financing and investments. His ultimate goal is to use the Alphacrypt project to set up the crown for his career.
#. Sergej
Our CRM has also studied in Britain. He got his MBA from the University of Oxford and can look back on a long-standing career with various projects in the area of investment banking and real estate. Now he is looking forward to his last big project with Alphacrypt.
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