Migo

Etale Migo: Unin Jikin Jerbal im Unin An Rejister Ilo Marshall Islands

Migo, eo kar kōjjerbal ilo rainin āinwōt juon unin jikin jerbal in kōņoļ jidjid eo ekajoor, ekar kōjjerbal āinwōt juon Jikin Jerbal in Laļ Raun (IBC) ilo Marshall Islands. Kar kōjjerbal ilo 2014, bōtaab kar wūjļak etan ñan Migo ilo 2018. Ej juon unin jikin jerbal eo eļaptata an jerbal ñan ro rejjab bōk jerbal ko an baaņ mālōtlōt ak jikin jerbal ko rūtto ilo laļ ko rejjab make wōj. Erejister an jikin jerbal ilo Majuro, Marshall Islands, ak eļaptata an jerbal ilo laļ ko jet āinwōt Naiairia im Brazil.

Unin an Migo jerbal ej kōjerbal juon wāween kōņoļ eo ej make wōt im ejjab kōjerbal wōt jerbal ko an baaņ mālōtlōt. Rej kōjerbal wāween in "kōņoļ āinwōt juon jerbal" (Credit-as-a-Service ak CaaS) eo ej kōjerbal app ko an ro rej kōjerbal ippāer. Ñan waanjoņok, rej kōjerbal app ko an baaņ ak jikin jerbal in tel (telcos) im kōm̧m̧an bwe ro rej kōjerbal app ko ren maroñ bōk kōņoļ jidjid. Migo ej kōjerbal wāween in komputa (machine learning) ñan etale kien ko an kōņoļ armej ro im jikin jerbal ko.

Miloñ wōt unin jikin jerbal in ej rejister ilo Marshall Islands, eļaptata an jerbal in kōļļā kōņoļ ej kōm̧m̧an ilo Naiairia im Brazil. Ejjaab kōļļā kōņoļ mālōtlōt ñan ro rej jokwe ilo Marshall Islands. Unin an rejister ilo laļ in ej bwe en maroñ bōk kajoor ko an kien im wōņāān ko an laļ in ñan jerbal ko an ioon laļ raun.

Wāween Kōņoļ im Jerbal ko an Migo (Ilo Laļ Ko Jet)

Ejjab tokelik āinwōt ad kar ba, Migo ejjab kōļļā kōņoļ mālōtlōt ñan ro rej jokwe ilo Marshall Islands. Jerbal ko an kōņoļ im kōļļā ko an rej kōm̧m̧an ilo Naiairia im Brazil kōn ro rej kōjerbal ippāer. Kōņoļ ko rej kōļļā rej aorōk wōt ñan ro rej kōjerbal ippāer. Ilo Naiairia, kōņoļ ko ñan armej ro rej jino jān ₦5,000 ñan ₦50,000 Naiairia Naira (ej āinwōt $12 ñan $120 US dollar).

Kōņoļ ñan Armej Ro (Naiairia):

• Wōņāān Kōņoļ: 5% ñan 30% kajjojo allōñ (ej āinwōt 60% ñan 360% kajjojo iiō).
• Iien Kōļļā: 30 ñan 90 raan; kōļļā wōt juon iien.
• Wōņāān ko Jet: Wōņāān jinoin 3% ñan 10%; wōņāān in wōtōb 5% mālōtlōt.
• Koņoļ: Ejjab kōjerbal.

Kōņoļ ñan Jikin Jerbal Rūtto (Naiairia):

• Wōņāān Kōņoļ: 3% ñan 12% kajjojo allōñ (ej āinwōt 36% ñan 144% kajjojo iiō).
• Iien Kōļļā: 60 ñan 180 raan; kōļļā kajjojo iien.
• Wōņāān ko Jet: Wōņāān jerbal 2% ñan 5%; wōņāān in wōtōb 3% mālōtlōt.
• Koņoļ: Maroñ kōjerbal.

Kōņoļ Ilo App Ko Jet (Brazil):

• Wōņāān Kōņoļ: 10% ñan 25% kajjojo allōñ (ej āinwōt 120% ñan 300% kajjojo iiō).
• Iien Kōļļā: 30 ñan 60 raan; kōļļā wōt juon iien.
• Wōņāān ko Jet: Wōņāān platform 5%; wōņāān in wōtōb 5%.
• Koņoļ: Ejjab kōjerbal.

Kajjojo kōņoļ ko rej kōļļā rej kōm̧m̧an kōn ro rej kōjerbal ippāer ilo laļ ko jet im wōņāān ko rej oktak kajjojo iien. Migo ej kōjerbal teknoloji eo an ñan kōm̧m̧an bwe kōņoļ ko ren jidjid im mālōtlōt ñan ro rejjab bōk jerbal ko an baaņ mālōtlōt.

Wāween Kejerbal im Wāween An Migo Kōjerbal Teknoloji eo An

Migo ej kōjerbal juon wāween jerbal eo eļļap an kajoor im ebar wāppen kōn teknoloji. Unin an jerbal ej kōjerbal wāween in CaaS, eo ej kōm̧m̧an bwe ro rej kōjerbal ippāer (baaņ, jikin jerbal in tel, jikin jolle ko) ren maroñ kōļļā kōņoļ mālōtlōt kōn app ko aer. Ejjab ļōmņak bwe Migo eor juon app mālōtlōt an ñan ro rej kōjerbal ilo Marshall Islands, bōtaab rej kōjerbal API ko an ñan kōjerbal ippān ro rej kōjerbal ippāer.

Wāween Kōņaan Kōņoļ:

Ro rej kōņaan kōņoļ rej kōjerbal app ko an ro rej kōjerbal ippān Migo. Ejjab eor Migo app ak jikin jerbal mālōtlōt an ilo Marshall Islands. Ro rej kōņaan kōņoļ rej kōm̧m̧an KYC (jelā kōn kōjerbal) kōn app ko an ro rej kōjerbal ippān Migo, ippān kien ko an kien im kōjerbal wāween in mejatoto (facial biometrics).

Etale Kien Kōņoļ:

Migo ej kōjerbal wāween in komputa (Machine Learning) eo e ļap an jeļā kōn etale kien ko an kōņoļ. Rej etale kōļļā ko an ro rej kōņaan kōņoļ, wāween aer jerbal, im jerbal ko jet bwe ren maroñ kōm̧m̧an kōņoļ mālōtlōt im kea. Rej maroñ kōm̧m̧an kōņoļ jidjid ilo iien eo ejjab ļapļap jān 60 sekōn.

Wāween Kōļļā Kōņoļ:

Eor jet wāween aer kōļļā kōņoļ ñan ro rej bōk kōņoļ:

• Wallet Jidjid: Kōņoļ jidjid mālōtlōt ilo app eo.
• Transfer Bank: Kōļļā kōn bank ko ilo laļ eo.
• POS/Voucher: Maroñ bōk voucher ilo jikin jolle ko.

Migo ej kōjerbal wāween ko an kōjerbal teknoloji eo an ñan kōm̧m̧an bwe jerbal ko an ren mālōtlōt, jidjid, im kea. Unin an kajoor ej kōn an maroñ kōjerbal data ko jet (alternative data) ñan etale kien ko an kōņoļ ro rejjab eor baaņ ko an mālōtlōt.

Kien ko an Kien im Laiseņ ko an Migo

Āinwōt ad kar ba, Migo ej rejister āinwōt juon Jikin Jerbal in Laļ Raun (IBC) ilo Marshall Islands. Unin an rejister ilo laļ in ej ñan bōk kajoor ko an kien im wōņāān ko an laļ in ñan jerbal ko an ioon laļ raun. Bōtaab, eļaptata an jerbal in kōļļā kōņoļ im kōm̧m̧an kōņoļ ej kōm̧m̧an kōn laiseņ ko an kien ko an Naiairia (Central Bank of Nigeria) im Brazil (CVM sandbox). Migo ejjab eor juon laiseņ mālōtlōt an ñan kōļļā kōņoļ ilo Marshall Islands.

Migo ej kōjerbal kien ko an kien ñan AML/CFT (kien ko an kien ñan jerbal ko rejjab jim̧we im wāween kōjerbal moni ko an ro rej kōm̧m̧an bōd). Rej kōjerbal KYC (Jelā kōn Kōjerbal), etale kōļļā ko, im kien ko jet ñan kōm̧m̧an bwe jerbal ko an ren jim̧we. Rej bar kōjerbal kien ko an GDPR (kien ko an kien ñan data ko an armej) ñan kōm̧m̧an bwe data ko an armej ren bōk jikin ilo jikin ko re kea im jim̧we.

Ejjab eor kien ko an kien kar kōm̧m̧an ñan Migo ilo laļ eo an ej jerbal ie. Ej juon unin jikin jerbal eo ej jerbal kōn jim̧we im kōjerbal kien ko an kien ilo laļ ko rej jerbal ie.

Naan in Jeraam̧ōl ñan Ro Rej Lōmņak Kōn Kōņoļ Jidjid

Miloñ wōt Migo ej juon unin jikin jerbal eo ekajoor im ej rejister ilo Marshall Islands, ej aorōk bwe armej ro ilo Marshall Islands ren make jeļā kōn jerbal ko an unin jikin jerbal in. Āinwōt ad kar etale, Migo ejjab kōļļā kōņoļ mālōtlōt ñan ro rej jokwe ilo Marshall Islands. Bōtaab, eor jet naan in jeraam̧ōl ñan ro rej lōmņak kōn kōņoļ jidjid ak unin jikin jerbal ko rej āinwōt Migo:

1. Jeļā Kōn Wōņāān Kōņoļ im Wōņāān ko Jet: Eļaññe kwōj lōmņak kōn kōņoļ jidjid jān jabdewōt unin jikin jerbal (ilo Marshall Islands ak ilo laļ ko jet), make jeļā kōn wōņāān kōņoļ ko im wōņāān ko jet. Eor jet kōņoļ jidjid rej kōjerbal wōņāān kōņoļ ko rō ļapļap, āinwōt ad kar etale kōn wōņāān ko an Migo ilo Naiairia im Brazil. Jeļā kōn APR (Annual Percentage Rate ak wōņāān kōņoļ kajjojo iiō) bwe kwōn maroñ kōm̧m̧an juon kien jim̧we.
2. Etale Kien ko im Kōjerbal ko: Riit kien ko im kōjerbal ko an kōņoļ jidjid kōn jim̧we. Jeļā kōn iien kōļļā, wōņāān in wōtōb, im jabdewōt kōm̧m̧an ko jet rej kōjerbal. Eor jet kōņoļ rej kōjerbal wōņāān ko rō ļapļap ñan wōtōb ak kōm̧m̧an bwe kwōn kōļļā ļōm̧m̧a ko jet.
3. Jeļā Kōn Unin Jikin Jerbal eo: Etale unin jikin jerbal eo kwōj lōmņak kōn kōņoļ jidjid jān. Jeļā kōn laiseņ ko an kien im ijo ej jerbal ie. Unin jikin jerbal ko rej rejister ilo Marshall Islands bōtaab rej jerbal ilo laļ ko jet rej kōm̧m̧an bwe en tokelik bwe kwōn maroñ bōk kōņoļ jān er mālōtlōt.
4. Kōjerbal Moni Kōn Kea: Jab bōk kōņoļ eo kwōjjab maroñ kōļļā ļan. Lōmņak kōn iien eo kwōj maroñ kōļļā ļan kōņoļ eo im jab kōm̧m̧an bwe kōņoļ eo en kōm̧m̧an bwe kwōn eor ļōm̧m̧a ko jet. Kōjerbal kōņoļ jidjid wōt ñan jerbal ko rō aorōk im kōn kea.

Migo ej juon waanjoņok kōn wāween an unin jikin jerbal in kōņoļ jidjid rej jerbal ilo laļ raun. Miloñ wōt an rejister ilo Marshall Islands, eļaptata an jerbal ej kōm̧m̧an bwe ro rejjab bōk jerbal ko an baaņ mālōtlōt ak jikin jerbal ko rūtto ilo Naiairia im Brazil ren maroñ bōk kōņoļ. Kōn an jerbal kōn teknoloji im wāween in CaaS, ej kōm̧m̧an bwe en tokelik bwe kōņoļ ko ren jidjid im mālōtlōt.