We at One Daijo believe that we can build a brighter future by financially empowering the traditionally underserved around the world. Our goal is to help the underserved establish credit identities that can be used to access various financial services offered by One Daijo and other financial institutions.
Our first product, a decentralized P2P lending platform built on Stellar, seeks to do just that by welcoming borrowers who normally cannot obtain affordable credit to build their credit history on the Daijo lending platform. The Daijo lending platform provides access to affordable loans more quickly, cheaply, and transparently than existing financial services solutions.
1. User Profile
2. Loan Origination
3. Loan Matching
4. Loan Transactions
5. Repayment Behavior
QIN is a multi-purpose token that makes everything tick. Borrowers can use it to request loans and track and grow their borrowing power. External Risk Assessors (ERAs) can use it to compete for the right to evaluate loans and grow their reputation.
Borrowers are rewarded QIN tokens each time they repay a loan which increases their borrowing power. The greater number of QIN tokens a borrower holds, the larger the loan principal the borrower can request.
The movement of QIN tokens into and out of the borrowers’ wallets is publicly recorded on the blockchain. With QIN tokens, borrowers build their immutable, borderless credit history.
QIN posted by borrowers and ERAs acts as collateral for the loan contracts. Borrowers may also post additional QIN tokens to increase the chance of obtaining lower interest rates. QIN as collateral promotes accountability and mitigates losses sustained by lenders in case of loan default.
What else are we thinking about?
7+ years of social science research and management consulting with focus on BD. Worked for an MFI in Zambia on improving operational efficiency. Fulbright Scholar. Clarendon Scholar. 2016 Rising Star in consulting in the UK.
A diverse set of backgrounds in data analytics, finance, and marketing strategies. Analytical consulting and modeling experiences at Willis Towers Watson. Founder of Sino-Emory Newsletter.
5+ years of researching combinatorial optimization algorithms across distributed networks of nodes and software development experiences at leading tech companies such as Google. Previously, a Partner at a quantitative hedge fund.
3+ years of experience working as a data analyst in various projects in the financial technologies sector. Intercontinental working experiences in the US and China with a deep understanding of international business operations. Passionate about smart contracts and their potential to bring transparency in the digital world.
A self-taught UI designer with 5+ years of experiences serving multi-national companies such as Sony, Cartier, and Pingan. A wide range of specialties in UI - from branding, photography, to 3D.
5+ years in consumer software product management and financial services. Formerly, a product manager at a tech startup, a quant trader at Goldman Sachs, and an investment banker at Bank of America Merrill Lynch. Gates Scholar.
5+ years of experience as a tax advisor, internal auditor, and financial controller. Former CFO at The Chicago Bar Association, managing annual budget of over $6M. Certified CPA with experiences serving clients in for-profit and non-profit sectors. Advises various tech startups.
Previously, a software engineering intern at Blockstream. Former research intern at NASA, Yale School of Medicine, and MIT Computer Science and Artificial Intelligence Lab.
3+ years of research experience in control systems and signal processing at Indiana University Bloomington. Contributes directly to the Ethereum project, interviewed for a book on cryptocurrency venture capital, and champions for the blockchain sector at Columbia and in the wider NYC community.
9+ years of experience as a financial risk management expert, covering various financial products and geographies, including the US, the UK, Canada, Kenya, Tanzania, the Philippines, Mexico, and India. Previously, a VP at Goldman Sachs and a consultant for various early-stage ventures.
8+ years of experience in financial services industry. Leads the Fraud and Verification Risk Analytics Team at Prosper Marketplace. Extensive experience in risk management in online and peer-to-peer lending. Previously, worked in credit risk analytics at Enova International and derivatives market making.
9+ years of experience in the financial services industry. Formerly, as the VP of Treasury and Trading Operations at Circle, managed the volatility of cryptocurrency and fiat currency exchange. Worked at Goldman Sachs in Equity Derivatives Trading. Currently, a Director at UBS, overseeing quantitative equities trading and US central risk book.
Investment Counselor to the Chinese government. Former Chief of Quantitative Investment at Guotai Junan Securities. Built distributed computer systems for global financial markets monitoring at Morgan Stanley and Citadel.
Forbes’ 30 under 30 social entrepreneur. Fulbright Scholar and Rhodes Scholar. World Bank consultant. 7+ years of research on measuring effectiveness of poverty-alleviation programs.
10+ years of experience as an innovation manager. Currently leads the United Nations Global Compact’s Breakthrough Innovation platform. Recipient of the StartingBloc and United Way Emerging Leader Fellowships.
35+ years of software development experience from shrink-wrap to service delivery. Founding CTO of Zipcar, a company that is often credited as one of the earliest sharing economy startups. Expertise in platform and peer-to-peer businesses. Co-Founder and CTO of GoLoco, Buzzcar, and Veniam.
In partnership with Tencent, launched China’s first consumer credit pre-approval service through Tecent’s mobile QQ platform. Led collaboration with Baidu to roll out a consumer credit pre-approval campaign. Automated loans for 2 million+ new customers and facilitated 20 million+ loans. Speaks at major lending related conferences such as LendIt.
29+ years of serial entrepreneurship. Buyouts from well-recognized companies such as IBM. Founder of “The Apprentice” class at CMU which later became the TV show. Former Professor of Entrepreneurship at CMU. Former Adjunct Professor of Engineering at Carnegie Institute of Technology.
