The EVX token fulfills a multitude of utility functions on the Everex Microfinance and Payment Platform:
Proof of EVX ownership is required to access advanced features, such as immediate on demand credit.
Accumulation of EVX allows low credit rated individuals and small businesses to improve their credit score regardless of their location. Machine learning powered analytics of financial activity and personal data provide highly accurate and reliable scorings.
Loans paid back in time reward users with an EVX bonus, improving credit scoring, while late payments entail an EVX levy, reducing the scoring. Friends and relatives vouching for the borrower earn EVX rewards as well.
EVX is accepted as collateral, enabling borrowers to access credit at lower interest rates along with other perks.
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