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      "body": "![IMG_20171113_234453_348.jpg](https://steemitimages.com/DQmPBNvnmJ3KFFZ692RfFkrNQnKsKjAMa33zkDc5iosQGuR/IMG_20171113_234453_348.jpg)\n\n*THE BLOCKCHAIN , MICROMONEY  AND THE UNBANKED*\nThose who are unfamiliar with the global remittance industry may be surprised to learn that it’s a multi-billion dollar market. The world bank estimates that officially recorded remittances to developing countries amounted to $429 billion in 2016.\nI am a blockchain entrepreneur founder of FEZA BLOCKCHAIN  and I have been  involved in blockchain technologies since 2014 and I have seen the growth of the blockchain and its tech solutions internationally.  Most of the third world countries have been left far behind and some of their populous remain oblivious to the fact that things such as bitcoins a cryptocurrency and trust based value network exists and unknown  to them is the fact that such systems can create wealth and empower them. I am Marlon Muthiani a Kenyan from Africa ,a third world country that will hopefully  positively embrace such growth  soon. I have worked for a few ICOs (Initial Coin Offerings), an ICO being similar to an IPO but instead of shares the prospective investor buys crypto currencies  i.e TOKENS or COINS   .Micromoney being the ICO I am working on and touching on today.\n\nThe Challenge\nSitting on a street corner in a loud market filled with the smells of some spices from nearby vendors’ stalls, passersby engaged in Eger conversations about the morning’s price of the bananas brought down from the mountains, others are awash filling the market with vibes of that days trades and happenings.\nA young wide eyed individual sits contemplating his financial future. The plan seems legit and full of promise, he even sketches on his small notebook a logo of what he knows will be the best decision of his life and his eventual path to financial freedom. He is well vast in the commodities in the market and he sees the advantage of setting up home delivery service to a growing middle class in his region and he eventually hopes to implement an online app to fully utilize the technology of his day.\nSuddenly his face wrinkles and his eyes show the despair and disappointment of reality as it finally settles in, setting him back to his apparent truth he his young, fresh out of education and barely has enough to take care of his basic needs. Grudgingly he gets up on his feet and continues to push his hand cart full of the precious commodity to its next destination.\nThis scene has been played out and is being played out every day in many places all over the world, in many ways and form the story is always the same. There are a myriad of reasons some of these individuals don’t get the opportunity to get banked and get a good credit history, Poverty, lack of good governance unfortunately the list goes on and on. Fortunately many are hard at work on solutions to such challenges.\n The Solution\nMicroMoney offers these individual and many others who have financial monetary need but lack the avenue to build a good credit history the chance to do so. They offer loans that’s grant the opportunity to have a good credit history every time they pay back the loans and in doing so they increase their lending limits. Micromoney has branches that are already operational and offering these services worldwide.\nBlockchain\nMicroMoney uses blockchain technologies to implement the credit system. Micromoney is in the process of distributing Digital Tokens. These tokens typically referred to as crypto currencies are a value based system. These Tokens can be held as an incentive for income generation or stake on the platform, they can be exchanged for services offered by MicroMoney also, they can be bought and sold in exchange for other Tokens such as Bitcoin Ethereum or other altcoins on cryptocurrency exchanges world wide. \nMicroMoney is an Open Source Credit and Big Data Bureau that connects new customers to all existing financial services. MicroMoney A.I platform uses complex algorithms to predict credit worthiness of all costumers and in just 15 minutes a borrower can get there first loan on their smartphone. Regular use of the platform enables the customers to pay less interest and get a higher credit rating. \nAll aggregated Big Data and Credit Histories are stored on the Blockchain. Thousands of existing businesses will gain access to new customers which MicroMoney brings to the global economy.\nProfitable moment \nThe tokens for ICO are held by buyers till the break market initial price and sold at a profit. Its more profitable to buy tokens at ICO stage when they are bought cheap and sell them off at a huge profit months later. Word of wisdom though for the savvy crypto enthusiast it more profitable in the long run to hold (HODL the  urban pop culture term of  the process of holding tokens despite major market price movements) as the many platforms offer in house incentive for holders of there TOKENS.\nTechie talk\nThe MicroMoney blockchain can also be used with other blockchains to create a myriad of collaborative solutions not only in finance but medicine ,real estate ,logistics, elections  etc.\n\n\nNext time we will be touching on a platform the uses augmented artificial intelligence for predictive market analysis.\nJoin me on this wonderful  journey as we explore more of the blockchain and its impact on our world and your pockets too.",
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