Access to finance on reasonable terms is paramount to enterprises making the investment necessary to achieve their potential, maintain their competitiveness and drive economic growth. However, many enterprises, in particular Small and Medium sized Enterprises (SMEs), face significant difficulties in obtaining the financing they need in order to innovate and grow. This is despite the important role SMEs play within economies. In Europe, they are the backbone of the economy representing 99% of all enterprises. And, in the past five years they have created around 85% of new jobs and provided two-thirds of the total private sector employment in the EU.
We have developed DIP, the first product of the QPQ Digital Financial Network. It allows the issuance of, investment in and trading of fractionalised assets and economic rights in a cryptographically secure tokenised medium that is scalable, compliant with financial regulations and does not require the use of a pre-payment ‘coin’ to act as an intermediary proxy between the investor and the asset. Access to finance is made only on the empirical factors that make provision of finance compelling with diverse asset pools, liquid markets, digital trade and governing code ensuring transparency, predictability and trust. QPQ DIP offers finance at lower and fairer costs that directly relate to the risks involved in the opportunity and hence becomes a straight forward objective economic evaluation. It also diffuses finance pools allowing for rapid deployment of finance across sectors and geographies, decompressing the concentration of finance. No longer is provision of finance affected by geography, size and age of an enterprise, it is based on quality and timely data that allows a more permissive credit process to follow at lower risk levels.
