Build transferable, independent, universal and transparent reputation to boost commerce. Trust and be trusted globally.
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Executive​ ​summary
E-commerce worldwide sales in 2014 were USD 1.33 trillion and are projected to
increase to USD 4.058 trillion by 2020. E-commerce share of retail sales is expected
to increase from 7.4% in 2015 to 14.6% in 2020. Furthermore, according to Statista,
the number of people buying goods or services online will increase from 1.46 billion
in 2015 to above 2 billion in 2020.
Despite the explosive growth, three major problems still exist:
1. Trust​ ​and​ ​reputation​: Building trust is difficult, and it is centrally governed by
big marketplaces. There is an inability to transfer trust from one centralized
service to another, and thus a need to establish relationship with each
merchant separately. Moreover, a merchant’s history is not recorded, so there
is no ability to punish fraudulent buyers or merchants. Huge efforts and
advertising budgets are needed to create trust if a merchant is not a part of a
centralized marketplace.
2. Expensive​ ​and​ ​long​ ​payment​ ​process:​ ​There are 16(!) different steps to
settle the transaction and up to 15(!) different fees to pay for payment
gateways. Transaction fees range from 2% + 0.1 to 6% + 0.7. Chargeback
fees of USD 15. Moreover, existing payment gateways rarely offer a simple
solution for a merchant to accept mobile payments on their website or point of
sale terminals.
3. An​ ​inability​ ​to​ ​reach​ ​the​ ​growing​ ​ethereum​ ​economy:​ Today, merchants
cannot accept payments in Ether, which has reached a market cap of USD
36bn as of June 14th. Moreover, a totally new digital asset class is being
created: tokens of products that are built on the Ethereum platform. The rise
of a new kind of digital assets enables the creation of a token-based digital
asset economy. It is expected that 10% of global GDP will be generated on
blockchains by 2025. Merchants will definitely want to participate in the
blockchain created economy.
Monetha​ ​is​ ​creating​ ​a​ ​universal​ ​decentralized​ ​trust​ ​and​ ​reputation​ ​solution
working​ ​flawlessly​ ​together​ ​with​ ​mobile​ ​payments​ ​processing​ ​on​ ​the
Ethereum​ ​blockchain​ ​leveraging​ ​smart​ ​contract​ ​technology.