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Introducing Union

Union will serve as a platform to provide financial product based on social capital, trust and commitments. It will run on Ethereum blockchain technology to provide autonomous smart contract, which will ease the lending, and savings process without the intermediaries. We are providing platform for users to build social trust and capital with UnI Pool, our first product, then measure social capital using our second product (Union lending Authentication), and then finally using social capital to borrow money and part of this could be UnI Pool/ROSCA and Bill Discounting.

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About Union




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Our Vision

Our vision is to create an e-democratic financial ecosystem for banked and unbanked individuals, on blockchain technology while making use of trusts, commitments, and social capital. By social capital, we mean we’ll leverage a form of economic and cultural capital where social networks are key; transaction processes are reciprocal, based on trust, and cooperation; and market agents create goods and services. Social capital is an economic scheme that leverages the economic value of the connections between individuals and organizations. The social network itself, which includes individuals who trust and assist each other, can be an influential asset.


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Market

India is one of the fastest growing Internet regions. With 400 million Internet users, it is 2nd largest Internet market in the world. India also has the largest millennial population in the world, driving the country’s mobile economic revolution. By 2025 millennial population is expected to be 42% of total India’s population, providing opportunities to server them better with technology innovation. [Morgan Stanley]

Creating an ecosystem of financial products with “Collective Investment Schemes” on blockchain technology to make the lending and savings frictionless, by removing the inefficiencies current financial system, and marketing those products to 400 Million internet users will be a real game changer.


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Meet Our Team

Team is always the critical factor for success of any project and our team members, supported by experienced advisors, are determined to develop the UNION platform to serve its users and help them save money. Meet our team and explore their Linkedin profiles here.


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ICO Structure




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Bonus Structure



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EXPLORE OUR PROJECT WWW.GETUNION.IO
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Introduction
Millions of people ship packages daily and all around the world. However, there is a high chance of a sender running into issues of expensive shipping services, delivery delays, and high risks of shipments getting lost or damaged. Customs and postal services may cause a wide variety of troubles ranging from excessive paperwork to outright theft. At the same time those services cannot boast of outstanding efficiency and fast work: sometimes the shipments are delivered behind all reasonable deadlines. Aside from that, governments often charge different shipping fees and taxes inexplicable to the sender.  

Commercial courier companies are not perfect as well. It is worth mentioning that courier and parcel delivery services have to employ a lot of people, machinery, and equipment units as well as to take care of insurance policies for their activities. All that leads to more than significant costs that are eventually carried by customers.

Delivery and courier services often cannot ship a parcel directly from point A to point B and are forced to resort to transit hubs which introduce even more threats and risks. Naturally, the increase in number of intermediary delivery and courier companies involved does not lead to increase of the responsibility of each party involved.


Market Analysis
In spite of current difficulties, the global market of courier and parcel delivery services constantly develops and provides the delivery companies with billions of revenue. The courier and express delivery industry has been growing by annual 1% during the last five years from 2012 to 2017.  The IBISWorld experts expect the demand for courier services to continue to increase over the next five years by 2022. This is caused by the growth of customer spending and demand for goods. Many companies are going to turn to air means of shipping in order to secure out on-time deliveries for the customers. There are almost 3 million employees and 600,000 companies on the market. The market size of the industry currently counts with $240 bln. According to the report by Accenture.com, the market of express deliveries is expected to grow from $237,9 bln i0.


The future belongs to sharing economy
The number of start-ups contributing to sharing economy and attracting more investments grows annually. Investor interest rises to new features and possibilities that collaborative consumption can offer. Sharing goods and services, barter, rent makes people reflect not only on what they get but also how they get it. According to TIME Magazine's visionary article, collaborative consumption is one of 10 ideas that are going to change the world within the next 10 years. It is a new socio-economic model that is going to reshape consumption of services and goods. Although, there are prominent players in some sharing economy industries such as Airbnb in travelling, ZipCar in carsharing, Uber in taxi – the crowd shipping market is still at its veryt.


Project Idea
Shipit is a symbiosis of best ideas and practices of courier, crowdsource and crowdshipping services. We have synthesized the best business practices to create a revolutionary and unique service. Just as Uber and BlaBlaCar have already become a part of our daily lives, Shipit is going to become an irreplaceable tool for shipping items.

It is the first app of its' kind that uses smart contracts and blockchain as a native tool to make people lives easier all around the world. By implementing blockchain we want to build relations between participants based on transparency and safety, which should be an objective of any system. By integrating cryptowallet, we want to spare the app of any issues and restrictions related to fiat transactions.

Objective of Shipit is to create an alternative platform for express deliveries based on principles of sharing economy, blockchain and crowd shipping.



How It Works
The app is simple and intuitive. You just need to take a picture of an item you want to ship using your smartphone camera, input points A and B of your shipment's journey, set the size and value of item and the price you are willing to pay for the delivery. The system matches the input data with that of travelers and picks the best matches. Communicate with the candidates, pick the best one, hand off your item and track it upon delivery. Shipit verifies its users and monitors all shipments providing items' safety. Interactive interface makes the shipping simple and fast. You do not need to worry about making a mistake or missing important details.



Smart contracts and blockchain

Integration of smart contracts is one of the main development objectives related to automatization and providing transparency. Smart contracts connect system users and increase their responsibilities. Each step taken by a user is checked by smart contract which excludes chances of error or data manipulation. A traveler, who has not properly delivered a shipment, gets banned by the system and cannot receive his or her payment.

All user private data is hashed and safely stored on blockchain, subsequently, intercepting a hash gains nothing since it is impossible to identify it. User's hash includes his personal ID data. Even in case of deleting one account and creating another, the system finds data matches by obvious or subtle characteristics and restores user's personal record. Thus, blockchain disciplines app users. Any serious breach of system rules might lead to user's account being permanently blocked. Constant striving towards providing high-quality service makes Shipit a client-oriented product.

Crypto wallet

Integration of crypto wallet will allow users to execute transactions quickly. The corresponding fiat payment methods create certain barriers and negatively affect project's scalability. For an app to get the right to process financial transactions between people from different countries of residence, the developers often are forced to go through certain long and costly bureaucratic procedures as required by some government bodies. This is why creating our own crypto wallet and currency becomes the best solution. We want to further promote blockchain technology by creating a very useful product and providing freedom of payment.

Neural network

Neural network is going to automatize many processes, eliminate human error effect, and minimize human participation in monitoring.

Reasons for neural network integration:

• As the app gets more traction, the need for new algorithms of quick and automated item monitoring becomes more significant.

• All photos must be analyzed, items hidden in bags or boxes must be found and rejejcted by system, doubles must be eliminated as well as attempts of fraud or spam.

• There always are going to be incorrectly created listings and the system needs to learn how to find them by matching history logs in order to successfully prevent them from happening in future.

• The system must be capable of finding suspicious users, who might have already broken the rules but registered again, by certain obvious and subtle characteristics.

• There is also a need for finding travelling patterns, predicting travelers' future trips and notifying potentially interested senders.

Mail forwarding

Mail forwarding means purchasing an item internationally and further forwarding it from the country of purchase by intermediary's services. Foreign online and offline stores may have certain advantages unlike those in your country, such as lower prices and wider range. Some brands may even be unavailable in certain countries, therefore, mail forwarding might be the only viable option to get access to their goods.

Deposits

Deposits serve as an insurance for a shipment in case of theft, loss or damage. It is a reasonable solution for both travelers and senders. Senders understand that in case of force major they will be duly compensated and travelers are aware of that in case of any incompliance with the rules and requirements or gross negligence they will not be refunded the money deposited, they will lose access to the app and will not be able to use it to earn money.

Factoring

Traditionally, factoring is a service provided by factoring companies or banks that are willing to accept the risks of payment delays. Shipit factoring solves the issue of mandatory deposit for shipment's safety payable by a traveler as an insurance. Shipit makes a deposit for the traveler – only a small factoring fee is required.

Comparison
Having inferred all courier services' disadvantages as well as those of other crowd shipping start-ups, Shipit has designed a business model that will allow to successfully implement the best solutions. Low financial and time costs of shipping are the advantageous features of crowd shipping. Guaranteed delivery, efficiency and fulfillment of obligations are those of courier services. Smart contracts, decentralization and crypto wallet are advantages of blockchain. Thus, Shipit has created a unique concept that will make our product a revolutionary one.



General Token Information


Token functions:

• to make payments for deliveries at a lower commission rate;

• to set higher priority of a sender's listing in waiting list;

• to set higher priority of a travelers' listing in waiting list;

• to lower factoring fees;

• to speed up moderation procedure;

• to lower mail forwarding commission;

• to give access to the travelers' and sender's lists;

• to lower advertising fees;

Tokens collected by Shipit as a commission fee on payments for deliveries will be partially burnt.

Token Sale Allocation


Team

Advisory board




  

• English
• Russian

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