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 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.