Tera is a decentralized application platform. This is akin to an operating system. Tera consists of a repository of programs and data storage integrated into the Internet. The mechanism for publishing programs and data on this platform is free from censorship. The circulatory system is the blockchain.
Peculium is developing a savings management platform on the crypto-market using Big Data, Machine Learning, and Natural Language Processing to allow anyone to invest and grow their money safely for the long-term through retirement investing, education funding, or emergency funding.