HeroToken — lending and banking platform

Hero’s mission is to make credit more readily available and affordable for the unbanked or underbanked, starting in Southeast Asia.

Hero is the future of capital markets in Southeast Asia. All proceeds from the sale of the Hero Origen Token will be donated to a non-profit Foundation.
The Foundation, which will be established in Switzerland, will either directly or through subsidiaries and affiliates promote financial inclusion, transparency, and efficiency in Southeast Asia through the development and operation of the Hero Capital Market Platform.
The Hero Capital Market Platform will utilize blockchain and smart contract technology to facilitate the legal issuance of fiat and cryptocurrency denominated financial smart contract digital tokens by underserved individuals and businesses in Southeast Asia to investors globally. The Hero Capital Market Platform will facilitate the participation of borrowers, lenders, originators, servicers, legal counsel, vulture investors, payment providers, and rating providers to promote the Hero Vision of promoting financial inclusion, transparency, and efficiency in capital markets across Southeast Asia.

For more information about Hero, please see the whitepaper.
Market Overview — Southeast Asia Southeast Asia is the world’s fastest growing internet region. With 260 million internet users out of a population of more than 600 million people, it is the 4th largest internet market in the world. By 2020 internet users in the region are expected to reach up to more than 480 million users, led by Indonesia, the world’s fastest growing internet market. Unsurprisingly, the growth is anchored by the region’s thriving young population, with 70% of the (against China’s 57%) population comprised of those under 40.2 A study made by Google and Temasek predicts that by 2025 the Southeast Asian internet economy is expected to reach 200 Billion USD, strengthening its already strong and growing GDP of 2.5 Trillion USD3) With its mobile connection rate higher than the global average, (124% vs. 103%) and its internet speeds expected to reach the global average of 23.3 mbps soon, the region’s internet industry is flourishing. Furthermore, as of January 2017, social media penetration of its member countries is high. In the Philippines it stands at 58%, higher than the global average of 37% and the regional average of 47%.4

Blockchain Technology — New Opportunity Blockchain technology represents a powerful new tool for improving financial inclusion, potentially disrupting many financial institutions and enhancing the performance of banks in the global economy. By disintermediating traditional lending institutions and radically simplifying processes, blockchain can finally enable instant, frictionless loans, so that people don’t wait in line for an hour or more, travel great distances, or risk life and limb venturing into dangerous neighborhoods at night just to get a loan. Furthermore, blockchain will improve administrative accountability. If microloans are recorded to the Furthermo blockchain and everyone can access them, then they can hold those more accountable for bad behavior. Blockchain as a technology, has the potential to address all these innate intricacies of the lending process. With the inherent concept of open ledger, decentralized platform, smart contracts and integrated central database, blockchain achieves transparency, cost effectiveness, regulatory compliance and risk analysis in the lending process. Loan data processing can be done exclusively on the distributed ledger reducing risk and increases transparency and responsiveness, the technology itself functions like a regulation.

Hero Origen Token Offering
Company will invite interested persons to contribute to the development and operation ofthe Platform by taking part in the Hero Origen Token sale. During the Offering Period, the Company offers approximately (not fixed) 50'000'000 Hero Origen Tokens for sale at an offer price of 0.005 ETH per Hero Origen Token pursuant to the Terms.
The Company grants discounts and bounties as noted in the table below. The date for the Hero Origen The Token offering will be published on the website www.herotoken.io. The Company reserves the right to sell a certain portion of Tokens during a pre-sale. Admission to pre-sale is completely up to the
Company’s discretion.

Hero Origen Token — Functionality Each Hero Origen Token provides preferred perpetual membership to the Hero Capital Market Platform beginning from the commercial launch of the Hero Capital Market Platform. After the close of the Offering Period, no new Hero Origen Tokens will ever be offered in the future. If permitted by applicable law, the Company will endeavor to enable the trading of the Hero Origen Tokens on reputable exchanges as soon as reasonably practicable after the issuance of the Hero Origen Tokens.

Benefits of Hero Origen Tokens

Holders of 200 Hero Origen Tokens will be provided with the following perpetual benefits which will not be made available to future Hero Member Token holders:

1. Perpetual membership to the Hero Capital Market Platform;
2. Preferential access to opportunities to provide credit and equity financing to individuals and businesses in emerging markets to earn risk adjusted market returns;
3. Hero Origen Token holders will be given pro-rata right of first offering on funding
   opportunities on the Hero Capital Market Platform.
   Hero Origen Tokens are not a Security
   The Hero Origen Tokens are not a security. Holders of Hero Origen Tokens will have no ownership or control over the Company, the Foundation or the Hero Capital Market Platform. They will not be entitled to receive any interest, dividends, or other income directly from the Company, the Foundation, or Hero Capital Market Platform for their Hero Origen Tokens.

Hero Origen Tokens versus Hero Member Tokens
Once the Hero Capital Market Platform has been launched, the Foundation — provided it has been established — will offer a new class of tokens (“Hero Member Tokens”) for access to the Hero Capital Market Platform based upon the market demand. The Company has not yet defined the amount of Hero Member Tokens that will be issued. This White Paper and the Terms are limited to the sale of Hero Origen Tokens.
The sale of Hero Member Tokens will be subject to other terms and conditions to be defined by the Foundation, once established

Platform Technology
The Hero Capital Market Platform will be a collection of Decentralized Applications (Dapps) on the Ethereum Blockchain along with web and mobile interfaces for Borrowers and Service Providers to interact with each other and manage the Borrower Token minting,issuance, and trading through the blockchain.
The Foundation (once established) will develop and publish standardized smart contracts by project The and market which Originators on behalf of Borrowers can use and deploy in order to begin their financing process and launch Borrower Tokens. The smart contracts will be developed by the
Foundation to ensure that they comply with all applicable legal regulations and security requirements. For each step of the Borrower Token issuance process, authenticated Service Providers will individually append their signatures on the digital smart contract embedded in the Borrower Token including any annotations they might have on the smart contract. These Service Providers will have been audited by the Foundation in order to verify their legal accreditation.
From a technical standpoint, to authenticate the Service Providers on the Ethereum Blockchain, the Hero Capital Market Platform will use an oracle contract managed by the Foundation. This oracle contract will be called the Hero oracle (“Hero Oracle”) and one of its primary functions is to act as a
safeguard that guarantees that other entities on the Platform are legally accredited and regulated.

Priority of Projects
The selection of prioritization of projects is upon the Foundation’s sole and free discretion. The HeroCapital Market Platform intends to prioritize projects by order of priority based on the following criteria:

1. Registered and unregistered secured and unsecured corporate debt issues with
   variable terms and discounts to face value with bullet repayment of principal and interest;
2. Registered and unregistered periodic amortizing instruments secured and unsecured;
3. Primary and secondary secured residential mortgages;
4. Secured automobile and motorcycle loans;
5. Sponso 5. Sponsored unsecured credit lines based on credit scoring model
6. Equity type securities
   

Terms ICO:
Pre-sale information: November 20 for 24 hours (Greenwich mean time + 8)
Starting date: 20 November 2017 (Greenwich +8)
End date: November 21, 2017 (GMT +8)
TokenSale: 01 February — 28 February 2018 (GMT + 8)
• Ticket symbol: HERO
• Token Price: 1 Character — 0.005 ETH
• Recommended minimum purchase: 1 ETH = 200 HERO
Maximum purchase: do not accept. The maximum allocated 50 000 000 GERO
Soft cover: $ 5,000,000
Hard cover: 250,000 ETH
Unrealized tokens are subject to recycling.
Bonuses:
• First day 20ноября — + 30% of the first 3 hours
• The first day of November 20, 3 hours after start — + 20%
• Second day of February 1–3 — + 10%
• From 4 to 7 days — + 5%
C8 to 14 days — + 2,5%

Team and Advisors:

Anyone can help improve platform Capital Market uses the knowledge of the hero’s token. During the campaign, about 50 million of these tokens will be produced.
The implementation of a partial number of tokens at the preliminary sale is made at the discretion of the company, their volume is also determined by the company.

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Официальный сайт: https://herotoken.io
Телеграмма: https://t.me/herotokensale
Slack: https://herotoken.herokuapp.com/
Whitepaper: https://s3-ap-southeast-1.amazonaws.com/herotoken/Hero+Whitepaper_081417.pdf
Facebook: https://www.facebook.com/PawnHero.ph
Twitter: https://twitter.com/PawnHeroPH
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