Empowa 从 Cardano 的 Project Catalyst 获得 180 万美元，为莫桑比克经济适用房创建 RWA 代币

Empowa 是一家来自莫桑比克的真实世界资产 (RWA) 初创公司，是最近 Cardano Project Catalyst 计划中获得资金的解决方案之一。

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.

卡尔达诺社区成员已批准为最近的 Project Catalyst 计划中的 258 项提案提供资金，总共分配了 250,300,000 英镑（约 2.46 亿美元）用于支持创新解决方案。

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!

本轮融资标志着该计划历史上的一个重要里程碑，将受资助提案总数推向新高，达到 1,800 多个。向这些项目背后的聪明才智致敬！

“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+.

“我们很高兴宣布 #Fund12 的结果！ 258 项提案将获得资助，使社区支持的想法总数达到 1,800 多个。

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

🧋与我们一起庆祝我们社区所展现的令人难以置信的多样性和创新。”

— Project Catalyst (@Catalyst_onX) July 16, 2024

— 催化剂项目 (@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.

获得批准的解决方案之一是 Empowa 的提案，即为经济适用房创建 RWA 代币，从而实现融资、跟踪现金流、所有权和回报。该解决方案扩展了 Empowa 基于 Cardano 构建的现有支付应用程序 (Enpowa Pay)，是与肯尼亚内罗毕证券交易所 (NSE) 和金融战略公司 EY Parthenon（肯尼亚）合作开发的。

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.

据 Empowa 称，NSE 寻求评估区块链技术创建资本工具的潜在可行性，以满足每年 25 亿美元的住房融资需求，重点关注非正规消费市场。

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

正如我们之前的文章所述，Empowa 在解决整个非洲大陆抵押贷款获取困难问题方面有着良好的记录。

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

Empowa 如何通过基于卡尔达诺的 $EMP 代币让莫桑比克人🇲🇿拥有自己的房屋

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 区块链之上，表示它可以通过合作伙伴在发行债务时作为抵押品的 $EMP（Empowa 代币）保护投资者免受潜在违约的影响。

One $EMP… pic.twitter.com/ugjXr7jbLp

一个 $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.

非洲大量个人依赖非正规来源的收入，这极大地阻碍了他们通过信贷市场获得财产的能力。由于他们的收入无法追踪，因此建立获得抵押贷款所需的必要资料对他们来说变得极具挑战性。

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，肯尼亚目前在一个拥有 5,100 万人口（占人口 0.0005%）的国家拥有 27,786 笔抵押贷款，而英国在一个拥有 6,800 万人口（占人口 17%）的国家估计拥有 1,140 万笔抵押贷款。超过 80% 的收入是非正规收入，这意味着超过 80% 的市场没有资格获得抵押贷款。

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 是其基于区块链的先租后买现金流管理系统，目前被非洲 8 个国家的 18 家开发商使用，追踪整个非洲大陆价值 850 万美元的住房。

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 还实现了分期销售资金的交付，使银行拒绝抵押贷款的家庭（50% 为女性）能够购买气候智能型经济适用房。首席运营官 Greg Schneider 表示，到目前为止，莫桑比克已经偿还了超过 20% 的房屋价值。

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

对于肯尼亚，Empowa 表示，它已经与内罗毕证券交易所 (NSE) 举行了启动会议，并开始组建项目团队。

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

我们很高兴有机会与内罗毕证券交易所 (NSE) 合作，在其平台上对现实世界资产 (#RWA) 进行代币化！ 🇰🇪📈

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

加入我们，让这一切成为现实！请为我们投票！只剩下大约 6 个小时来投票#ProjectCatalyst！ 🗳️⏳

🔎 Find our… pic.twitter.com/FbBw1VLRLA

🔎 找到我们的… 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.

该项目预计耗时12个月。

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