莫三比克的 Empowa Pay 整合 Hedera Hashgraph，使非洲各地的租戶能夠進行法定支付

Hedera 因其與金融機構的策略合作夥伴關係而成為一個有吸引力的解決方案

output: A blockchain startup from Mozambique called Empowa Pay has announced its integration with Hedera Hashgraph (ℏ) to enable fiat payments by tenants across Africa.

輸出：莫三比克一家名為 Empowa Pay 的區塊鏈新創公司宣布與 Hedera Hashgraph (ℏ) 整合，以支持非洲各地的租戶進行法定支付。

Empowa Pay, which is known for its blockchain-based mortgage solution, is now leveraging Hedera’s network to facilitate fiat payments for its tenant services. This move aims to enhance the accessibility and affordability of housing in Africa.

Empowa Pay 以其基於區塊鏈的抵押貸款解決方案而聞名，現在正在利用 Hedera 的網路來促進其租戶服務的法定支付。此舉旨在提高非洲住房的可近性和可負擔性。

According to a tweet by BitKE on November 24, 2023, Empowa's efforts to tokenize mortgages in Africa have proven successful. For instance, in 2022, the startup raised over $300,000 through the sale of its NFT debt product to investors. These funds were utilized to finance housing loans for 30 families in Beira, Mozambique.

根據 BitKE 於 2023 年 11 月 24 日發布的推文，Empowa 在非洲將抵押貸款代幣化的努力已被證明是成功的。例如，2022 年，這家新創公司透過向投資者出售其 NFT 債務產品籌集了超過 30 萬美元。這些資金用於為莫三比克貝拉的 30 個家庭提供房屋貸款。

Notably, Empowa is also expanding its solutions into Kenya. The startup's collaboration with the Nairobi Securities Exchange (NSE) on a project to address the country's $2.5 billion annual housing finance requirement garnered support from the Cardano community to the tune of $612,000.

值得注意的是，Empowa 也將其解決方案擴展到肯亞。該新創公司與內羅畢證券交易所 (NSE) 合作開展一個項目，以滿足該國每年 25 億美元的住房融資需求，並獲得了卡爾達諾社區高達 612,000 美元的支持。

Empowa Pay's integration with Hedera is particularly strategic due to the network's partnerships with financial institutions. One key example is Standard Bank (Stanbic), Africa's largest bank, which recently joined the Hedera Governing Council.

Empowa Pay 與 Hedera 的整合尤其具有戰略意義，因為該網絡與金融機構建立了合作夥伴關係。一個重要的例子是標準銀行 (Stanbic)，它是非洲最大的銀行，最近加入了 Hedera 管理委員會。

This collaboration is set to pave the way for Empowa Pay users to make fiat payments directly to their landlords or property management companies via Empowa's platform. Landlords will then be able to receive these payments in fiat currency without the need for cryptocurrency conversion.

此次合作將為 Empowa Pay 用戶透過 Empowa 平台直接向房東或物業管理公司進行法定付款鋪平道路。然後，房東將能夠以法定貨幣接收這些付款，而無需進行加密貨幣轉換。

Empowa Pay's entry into the Kenyan market is also noteworthy. Together with the NSE, the startup will tokenize mortgages and other financial instruments to raise funds for low-income earners. This initiative, which is part of a broader effort to increase homeownership in Kenya, has already received over $600,000 from the Cardano community.

Empowa Pay 進入肯亞市場也值得關注。該新創公司將與 NSE 合作，將抵押貸款和其他金融工具代幣化，為低收入者籌集資金。該舉措是提高肯亞住房擁有率的更廣泛努力的一部分，已經從卡爾達諾社區收到了超過 60 萬美元。

Empowa Pay, which is backed by Empowa (EMP), a Cardano-based token, is designed to tokenize mortgages and other financial instruments to raise funds for low-income earners. The startup's platform enables investors to purchase Empowa tokens, which are pegged to a portion of a loan, and彙集 their funds to provide loans to low-income earners. In turn, these loans are used to purchase homes, and the Empowa tokens serve as collateral. Empowa Pay users can track their loans and make payments through Empowa's mobile application or web platform.

Empowa Pay 由 Cardano 為基礎的代幣 Empowa (EMP) 支持，旨在將抵押貸款和其他金融工具代幣化，為低收入者籌集資金。該新創公司的平台使投資者能夠購買與部分貸款掛鉤的 Empowa 代幣，並彙集資金向低收入者提供貸款。反過來，這些貸款用於購買房屋，Empowa 代幣作為抵押品。 Empowa Pay 用戶可以透過 Empowa 的行動應用程式或網路平台追蹤其貸款並付款。

Upon default, investors can choose to either sell the Empowa tokens on exchanges or burn them to receive a pro-rata share of the remaining loan balance. Empowa Pay also provides insurance coverage for up to 90% of the loan amount in the event of death, critical illness, or permanent disability of the borrower. This coverage is paid for by a portion of the interest earned on the loan.

違約時，投資者可以選擇在交易所出售 Empowa 代幣或銷毀它們以按比例獲得剩餘貸款餘額。 Empowa Pay 也為借款人死亡、重病或永久殘疾的情況提供高達貸款金額 90% 的保險。該保險由貸款利息的一部分支付。

Empowa Pay's entry into the Kenyan market is also significant. Together with the NSE, the startup will tokenize mortgages and other financial instruments to raise funds for low-income earners. This initiative, which is part of a broader effort to increase homeownership in Kenya, has already received over $600,000 from the Cardano community.

Empowa Pay 進入肯亞市場也具有重要意義。該新創公司將與 NSE 合作，將抵押貸款和其他金融工具代幣化，為低收入者籌集資金。該舉措是提高肯亞住房擁有率的更廣泛努力的一部分，已經從卡爾達諾社區收到了超過 60 萬美元。