Humaniq aims to provide banking services to the unbanked through a mobile app. It will use facial recognition as the main identification method and focus on peer-to-peer lending, insurance, and remittances. The project has working prototypes, an ambassador program to expand users, and plans to multiply the total token supply over time as new users join. It sees opportunities in developing regions where many lack access to traditional banking.

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Review of Humaniq ICO

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Alex Fork
CEO
Alakanani Itireleng
Lead Ambassador
Richard Kastelein
CMO
Parth Bhatt Upendra Kumar
Indian Partner
Team
«Ambassadors»

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Smart-contracts
development
http://etherionlab.com/
Outsource team
Face Identification
http://www.visionlabs.ru/
Mobile and Backend
Development
http://theinvaders.ru/
Backend development
https://distributedlab.com/

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Humaniq aims to provide banking services to the
people who are excluded from the financial services
Main idea
• Wants to become a bank for poor regions
• The main identification gate is face
• The core element is easiness to use
• In order to get popular, the “ambassador”
program was launched
• Emission of new tokens activates with new
members

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Market
Peer-to-peer financing experiences a boom
Right now there is not a single powerful banking
blockchain-based application
May be Humaniq should concentrate on developed
nations, where P2P financing is booming?
Growth of P2P sphere will continue outbidding
generic banks’ services
$0
$5,000,000
$10,000,000
$15,000,000
$20,000,000
$25,000,000
$30,000,000
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
Loansissued
Quantityofloans
Peer-to-Peer loans issued in thousands $ (Lending Club USA)
Quantity of loans (Lending Club USA)

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Market
A lot of people are really unbanked and poor
Unbanked doesn’t mean that banking services will
make somebody wealthy
South America, Asia, and Africa seem to be the
main regions where lack of banking services is
obvious

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Tokens and Profits
HMQ token
Maximum number of tokens = (ICO +Pre-ICO
tokens) multiplied by 6
P2P and small business lending are the core
services
Insurance and remittance payments are also
important part of the services of Humaniq
Remote work is also possible through the usage of
this application ( Competition with Ethlance )
Investors
Users
The exchange will be integrated into the APP, so
you are able to exchange to real money
Business

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Conclusion
One of the first DAPPs to come out
Competition is going to be rough among Ethereum
DAPPS for users and investments
Working prototypes on both main OS
Set up “ambassadors” network
Maximum amount of tokens (Pre-ICO + ICO
tokens) multiplied by a factor of 6
P2P sphere coverage
Outsourced development

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