莫桑比克的 Empowa Pay 集成 Hedera Hashgraph，使非洲各地的租户能够进行法定支付

Hedera 因其与金融机构的战略合作伙伴关系而成为一个有吸引力的解决方案

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.

输出：莫桑比克一家名为 Empowa Pay 的区块链初创公司宣布与 Hedera Hashgraph (ℏ) 整合，以支持非洲各地的租户进行法定支付。

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 以其基于区块链的抵押贷款解决方案而闻名，目前正在利用 Hedera 的网络来促进其租户服务的法定支付。此举旨在提高非洲住房的可及性和可负担性。

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.

根据 BitKE 于 2023 年 11 月 24 日发布的推文，Empowa 在非洲将抵押贷款代币化的努力已被证明是成功的。例如，2022 年，这家初创公司通过向投资者出售其 NFT 债务产品筹集了超过 30 万美元。这些资金用于为莫桑比克贝拉的 30 个家庭提供住房贷款。

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 还将其解决方案扩展到肯尼亚。该初创公司与内罗毕证券交易所 (NSE) 合作开展一个项目，以满足该国每年 25 亿美元的住房融资需求，并获得了卡尔达诺社区高达 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 与 Hedera 的整合尤其具有战略意义，因为该网络与金融机构建立了合作伙伴关系。一个重要的例子是标准银行 (Stanbic)，它是非洲最大的银行，最近加入了 Hedera 管理委员会。

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.

此次合作将为 Empowa Pay 用户通过 Empowa 平台直接向房东或物业管理公司进行法定付款铺平道路。然后，房东将能够以法定货币接收这些付款，而无需进行加密货币转换。

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 进入肯尼亚市场也值得关注。该初创公司将与 NSE 合作，将抵押贷款和其他金融工具代币化，为低收入者筹集资金。该举措是提高肯尼亚住房拥有率的更广泛努力的一部分，已经从卡尔达诺社区收到了超过 60 万美元。

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 由基于 Cardano 的代币 Empowa (EMP) 支持，旨在将抵押贷款和其他金融工具代币化，为低收入者筹集资金。该初创公司的平台使投资者能够购买与部分贷款挂钩的 Empowa 代币，并汇集资金向低收入者提供贷款。反过来，这些贷款用于购买房屋，Empowa 代币作为抵押品。 Empowa Pay 用户可以通过 Empowa 的移动应用程序或网络平台跟踪其贷款并付款。

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.

违约时，投资者可以选择在交易所出售 Empowa 代币或销毁它们以按比例获得剩余贷款余额。 Empowa Pay 还为借款人死亡、重病或永久残疾的情况提供高达贷款金额 90% 的保险。该保险由贷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 进入肯尼亚市场也具有重要意义。该初创公司将与 NSE 合作，将抵押贷款和其他金融工具代币化，为低收入者筹集资金。该举措是提高肯尼亚住房拥有率的更广泛努力的一部分，已经从卡尔达诺社区收到了超过 60 万美元。