ZPER is an ecosystem for decentralized P2P finance, built upon blockchain technology. We aim to create new, efficient financial environment that transcends borders and currencies. Through active cooperation of top established pioneering corporations in the field of P2P finance, we offer innovative flows of funds in global scale. ZPR token is a means of value exchanges that all participants of the ecosystem will be using. It is used as a currency in all transactions, including investments for P2P loans, reimbursement of mature loans, rewards for data providers, commissions for NPL purchasers. Transactions will be kept transparent and independent from currencies and boundaries by the use of ZPR.
Harmony’s open, decentralized network is enabled through the use of the native protocol token - Harmony ONE. The token incentivizes and rewards a variety of participants including developers, validators/stakers, investors, and community members who develop, secure and govern the network. In order to use the network, users pay a small transaction fee denominated in the native Harmony token. Harmony’s scalable, high-throughput protocol is powered by a native token which is used for various forms of payment and participation in the protocol (staking, transaction fees, voting & governance). Harmony uses blockchain to align incentives of different stakeholders, developers and businesses while allowing them to build open marketplaces of fungible and non-fungible tokens and assets. Furthermore, the upcoming application of zero-knowledge proofs will allow Harmony to become a data sharing platform that can overcome the conflicting problem plaguing many information and data markets: that individual market participants’ have mutual distrust to share data but strong desire to acquire data themselves. The Harmony token will function in the following aspects of the protocol: The token is used for staking, which is necessary to participate in the POS consensus & earn block rewards and transaction fees. The token is used to pay for transaction fees, gas and storage fees. The token is used in voting for on-chain governance of the protocol.