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. It is a project aimed at providing innovative flows of capital between investors and borrowers from around the world through active cooperation with leading companies that successfully run activities of P2P Finance and RoboAdvisor. Investors, borrowers, P2Ppoders, RoboAdvisors, NPL buyers, data providers and other service providers from around the world can participate in the ZPER ecosystem. Each participant contributes to making P2P funding reasonable and convenient for everyone, listing values such as investment and credit activities, developing diversified investment portfolios, providing and exchanging data, risk analysis and management of bonds, and smooth capital flow. Effort is to create new, productive monetary conditions that go beyond margins and currencies. Due to the dynamic share of Best Steady in P2P Spearhead profits, the Group offers innovative asset flows on a global scale.