ZPER is a ‘decentralized P2P(peer-to-peer) financial ecosystem’ using smart contract technology. Top P2P lending companies and robo-advisors have coalesced to provide a revolutionary method of fund transactions between borrowers and lenders worldwide. ZPER ecosystem is open to all borrowers, information providers, P2P finance companies, Robo-Advisors and investors. ZPER creates global loan-to-investment platform that is by exchanging data on various values such as applying for loans, providing information on applicants, risk analysis and bond management, portfolio management and funding. This ecosystem is open to all global businesses that provide P2P finance services, Robo-advisors, NPL(Non performing loans) purchasers, data providers and other services as well as investors and borrowers. Participants of this platform will play many roles; connecting investors and borrowers, preparation of portfolios for evenly allocated investment, offering and exchanging information, risk analysis, loan management and altogether keeping a flow of funds. This way, ZPER will bring forth a reasonable and convenient P2P finance platform for all..