After reviewing three somewhat disappointing investor decks, I was hopeful that this one would make me feel more "Happi".
Pros: The first pro is the design of the presentation. It reads well, which helps in keeping me interested in reading further.
The second pro is that it's clear what they do, who their solution is for, and what they want to offer.
Cons: I can't determine if the numbers from their research are correct as I am missing sources. If the information is accurate, it seems they have identified a good market.
I can't see how they will handle KYC or anything to ensure their customers can demonstrate their ability to pay back loans on time. Additionally, ensuring it's cheat-proof to prevent the use of fake identities, which is easy to do nowadays, is unclear.
Lastly, I don't understand the use of having their own token. Will they introduce one? Typically, we review projects that have their own token, but I couldn't find any information on this.
Overall, I rate it two stars as I believe they have identified a market, but many questions remain unanswered. Show Less