ZPR is a means of value exchanges that all participants of the ecosystem will be using. It will be used for everything happening on the ecosystem, including investment of P2P loans, reimbursement of mature loans and fees for other transactions. Transactions will be kept transparent and independent from currencies and boundaries by the use of ZPR. ZPER token(ZPR) will be the instrument used for all kinds of transactions made by participants in the ecosystem. It will become a highly valued currency controlling flow of funds worth millions of US dollars on ZPER platform. ZPR will enable the fundamental development of P2P financial markets by innovating standards for risk analysis and credit scoring, resulting in reasonable reimbursement for data providers in addition to maintaining transparent flow of funds among lenders and borrowers worldwide. ZPER Team members are professionals of P2P field who have been making great contributions for the development of Korea’s P2P markets from 2015 until the market reached 3 trillions. The team consists of P2P business owners, Robo-advisor developers, leading members of credit scoring businesses. Founding members and directors of Korea P2P finance association grant know-hows of the field to empower our team to lead this global P2P alliance project to success. *In recent days, ZPER has launched ‘Data Science Competition 2018’ since the mid-August 2018 for developing P2P loan-scoring solutions; over 1,000 of data scientists have applied for the competition worldwide. The competition’s host companies include three major P2P financial corporations—FUNDA, Together Funding and MOUDA, and ZIGBANG, the S. Korea’s largest real estate online marketplace. *In November 2018, the ZPER team also successfully developed a PoC test version, ZPERobo Closed Beta Test, for ZPERobo financial platform—a blockchain-based P2P portfolio investment service (expected to launch in 2019), and is going to operate on 25 this month its PoC test with over 15 corporations of major P2P financial service providers, including FUNDA, Together Funding and others, in South Korea.