Empowa 從 Cardano 的 Project Catalyst 獲得 180 萬美元，為莫三比克經濟適用房創建 RWA 代幣

Empowa 是一家來自莫三比克的真實世界資產 (RWA) 新創公司，是最近 Cardano Project Catalyst 計畫中獲得資金的解決方案之一。

Cardano community members have approved funding for 258 proposals in the recent Project Catalyst program, with a total of ₳250,300,000 (approximately $246 million) allocated to support innovative solutions.

卡爾達諾社區成員已批准為最近的 Project Catalyst 計劃中的 258 項提案提供資金，總共分配了 250,300,000 英鎊（約 2.46 億美元）用於支持創新解決方案。

This round of funding marks a significant milestone in the program’s history, pushing the overall number of funded proposals to new heights at 1,800+. Kudos to the brilliant minds behind these projects!

本輪融資標誌著該計劃歷史上的一個重要里程碑，將受資助提案總數推向新高，達到 1,800 多項。向這些項目背後的聰明才智致敬！

“We are thrilled to announce the results of #Fund12! 258 proposals will receive funding, bringing the total number of community-supported ideas to 1,800+.

「我們很高興宣布 #Fund12 的結果！ 258 項提案將獲得資助，使社區支持的想法總數達到 1,800 多個。

🧋Join us in celebrating the incredible diversity and innovation showcased by our community.”

🧋與我們一起慶祝我們社區所展現的令人難以置信的多樣性和創新。

— Project Catalyst (@Catalyst_onX) July 16, 2024

— 催化劑計畫 (@Catalyst_onX) 2024 年 7 月 16 日

One of the approved solutions is Empowa’s proposal on the creation of RWA tokens for affordable housing, enabling capital raising, tracking cashflows, ownership, and returns. The solution, which expands on Empowa’s existing payments application (Enpowa Pay) built on Cardano, is being developed in collaboration with Kenya’s Nairobi Stock Exchange (NSE) and EY Parthenon (Kenya), a financial strategy firm.

獲得批准的解決方案之一是 Empowa 的提案，即為經濟適用房創建 RWA 代幣，從而實現融資、追蹤現金流、所有權和回報。該解決方案擴展了 Empowa 基於 Cardano 構建的現有支付應用程式 (Enpowa Pay)，是與肯亞內羅畢證券交易所 (NSE) 和金融策略公司 EY Parthenon（肯亞）合作開發的。

According to Empowa, the NSE reached out seeking to assess the potential viability of blockchain technology for the creation of capital instruments to address the $2.5 billion annual housing finance requirement, with a focus on the informal consumer market.

據 Empowa 稱，NSE 尋求評估區塊鏈技術創建資本工具的潛在可行性，以滿足每年 25 億美元的住房融資需求，並專注於非正規消費市場。

Empowa has a track record in addressing the poor access to mortgages across the continent, as we covered in this article earlier.

正如我們之前的文章所述，Empowa 在解決整個非洲大陸抵押貸款獲取困難問題方面有著良好的記錄。

How Empowa is Empowering Mozambicans 🇲🇿 to Own Homes via the $EMP Token Built on Cardano

Empowa 如何透過基於卡爾達諾的 $EMP 代幣讓莫三比克人🇲🇿擁有自己的房屋

Built on the Cardano blockchain, Empowa says it protects investors against potential defaults with the $EMP (Empowa Token), which partners put up as collateral when issuing debt.

Empowa 建立在 Cardano 區塊鏈之上，表示它可以透過合作夥伴在發行債務時作為抵押品的 $EMP（Empowa 代幣）保護投資者免受潛在違約的影響。

One $EMP… pic.twitter.com/ugjXr7jbLp

一個 $EMP… pic.twitter.com/ugjXr7jbLp

— BitKE (@BitcoinKE) June 1, 2023

— BitKE (@BitcoinKE) 2023 年 6 月 1 日

A vast number of individuals in Africa rely on income from informal sources which greatly hinders their ability to obtain property through the credit market. Due to the untraceable nature of their earnings, it becomes exceedingly challenging for them to establish the necessary profiles required for accessing mortgage loans.

非洲大量個人依賴非正規來源的收入，這極大地阻礙了他們透過信貸市場獲得財產的能力。由於他們的收入無法追踪，因此建立獲得抵押貸款所需的必要資料對他們來說變得極具挑戰性。

For instance, Kenya currently has 27,786 mortgages in a country of 51 million people (0.0005% of the population), compared to the UK which has an estimated 11.4 million mortgages in a country of 68 million people (17% of the population). More than 80% of income is informal which means that more than 80% of the market cannot qualify for a mortgage.

例如，肯亞目前在一個擁有 5,100 萬人口（佔人口 0.0005%）的國家擁有 27,786 筆抵押貸款，而英國在一個擁有 6,800 萬人口（佔人口 17%）的國家估計擁有 1,140 萬筆抵押貸款。超過 80% 的收入是非正規收入，這意味著超過 80% 的市場沒有資格獲得抵押貸款。

Empowa Pay, its blockchain-based rent-to-own cashflow management system is currently used by 18 developers across 8 countries in Africa, tracking $8.5 million worth of housing across the continent.

Empowa Pay 是其基於區塊鏈的先租後買現金流管理系統，目前被非洲 8 個國家的 18 家開發人員使用，追蹤整個非洲大陸價值 850 萬美元的住房。

Empowa has also achieved the delivery of installment sale funding that enables families (50% women), rejected by banks for mortgages, to purchase climate-smart affordable homes. So far, over 20% of the value of the homes have already been paid back in Mozambique, according to COO, Greg Schneider.

Empowa 也實現了分期銷售資金的交付，使銀行拒絕抵押貸款的家庭（50% 為女性）能夠購買氣候智慧型經濟適用房。營運長 Greg Schneider 表示，到目前為止，莫三比克已經償還了超過 20% 的房屋價值。

For Kenya, Empowa says it has already done a kick-off meeting with the Nairobi Securities Exchange (NSE) and began assembling the project team.

對於肯亞，Empowa 表示，它已經與內羅畢證券交易所 (NSE) 舉行了啟動會議，並開始組建專案團隊。

We’re excited about the opportunity to work with the Nairobi Securities Exchange (NSE) to tokenize Real World Assets (#RWA) on their platform! 🇰🇪📈

我們很高興有機會與內羅畢證券交易所 (NSE) 合作，在其平台上對現實世界資產 (#RWA) 進行代幣化！ 🇰🇪📈

Join us in making this a reality! Please vote for us! Only ~6 hours left to cast your #ProjectCatalyst vote! 🗳️⏳

加入我們，讓這成為現實！請為我們投票！只剩下大約 6 個小時來投票#ProjectCatalyst！ 🗳️⏳

🔎 Find our… pic.twitter.com/FbBw1VLRLA

🔎 找到我們的… pic.twitter.com/FbBw1VLRLA

— Empowa (@empowa_io) July 11, 2024

- Empowa (@empowa_io) 2024 年 7 月 11 日

The project is expected to take 12 months.

該項目預計耗時12個月。

 

 

 

 

 

 

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