# impactMarket's Whitepaper Authors:[ ](https://www.linkedin.com/in/yoniassia)Avina Ajit and Susanne Zapelão Contributors:[ ](https://www.linkedin.com/in/hadarrottenberg/)Mariam Chehab, Yingshi Huang and Onye Dike
{% hint style="info" %} This documentation is subject to change with the additions of features and services within the protocol. {% endhint %} In attempting to provide a thorough summarization, the content presented in this whitepaper does not cover all aspects of the protocol’s functions, activities, and impact, and it is exclusively intended for informative purposes. The main objective of this document is to furnish readers with insights into the impactMarket's vision and its aims in promoting financial empowerment. *** ## Index 1. [**Overview**](/impactmarket-apps/master) 2. [**impactMarket's Products**](/impactmarket-apps/2.-impactmarkets-products) * [Microcredit](/impactmarket-apps/2.-impactmarkets-products/microcredit) * [Unconditional Basic Income (UBI)](/impactmarket-apps/2.-impactmarkets-products/unconditional-basic-income-ubi) * [Libera Crypto Wallet](/impactmarket-apps/2.-impactmarkets-products/libera-crypto-wallet) * [Learn & Earn](/impactmarket-apps/2.-impactmarkets-products/learn-and-earn) 3. [**impactMarket's Protocol**](/impactmarket-apps/3.-impactmarkets-protocol) * [PACT Token](/impactmarket-apps/3.-impactmarkets-protocol/pact-token) * [Voting & Governance](/impactmarket-apps/3.-impactmarkets-protocol/voting-and-governance) 4. [**Impact Measurement**](/impactmarket-apps/4.-impact-measurement) [**Company Toolkit** ](/company-toolkit/our-people) [**Developers**](/developers/audit) # 1. Overview A Multi-tool protocol for decentralized social finances. [**impactMarket**](http://impactmarket.com)**,** the **human empowerment protocol,** provides accessible financial solutions and knowledge to empower underprivileged people worldwide, unlocking opportunities and human potential. **Transparent, reliable, and inclusive**, enabling financial independence and literacy for all. impactMarket has one of the largest blockchain-driven Unconditional Basic Income (UBI) programs, supporting over 45,000 people with UBI in around 30 countries. Other impactful solutions include Microcredit, the Libera Crypto Wallet, and a Learn & Earn platform. We are unleashing new untapped markets and stimulating local economies by enabling inclusive access to **finance and literacy to underprivileged** communities, quickly scaling to reach more people, and being an industry reference for social good. We empower people to take ownership of their choices, their money, and their lives. ## **We are investing in the most valuable asset: PEOPLE** {% embed url="" %} Povoado de Jaguara - UBI Community in Brazil | impactMarket {% endembed %} ***For more inspiring videos, visit our*** [***Youtube Channel***](https://www.youtube.com/channel/UCUE5DVvRjmsOK_27s2byT1A)***.*** impactMarket’s protocol is a **community-driven framework** designed to crowd-source and generate funds to distribute in each of its tools. Using smart contracts for each tool and community, the protocol delivers impact and economic assistance to communities in need of development. With the primary use of cUSD (Celo Dollar) and the complimentary use of its native token $PACT, impactMarket’s ecosystem generates a circular economy of donations, investments, rewards, and governance power to every stakeholder, aligned on upholding the needs of the community. All each stakeholder needs is an internet connection and a smartphone to have an account, to send and receive money. There is also Celo, the cryptocurrency that acts as a utility and governance token for the Celo platform. Celo is an open-sourced Proof-of-Stake (PoS) blockchain designed to support stablecoins and tokenized assets with an algorithmic reserve-backed stability mechanism. impactMarket’s use of Celo Dollars (cUSD), a stablecoin whose value does not fluctuate widely, enables easy distribution of basic income to vulnerable communities, as well as all other tools that require transferring funds. ## Dream with us! How to join our mission [Donate](https://www.impactmarket.com/crypto-hub#farming) Celo Dollars (cUSD) to the UBI communities and get PACT tokens as rewards. Follow impactMarket on social media and spread the word about our impact to engage your family and friends! We are on [Twitter](https://twitter.com/impactmarket), [Instagram](https://www.instagram.com/impactmarket_/), [Facebook](https://www.facebook.com/impactmarketofficial), and [LinkedIn](https://www.linkedin.com/company/impactmarket). If you are a company, foundation, brand, or influencer, please contact us to learn more about how to involve your employees, customers, or community in social initiatives, in a completely t**ransparent and measurable way: .** *** ## Dare to Dream with us that a better world for all is possible. Together, we can make a difference! 💙 # The Context * UN Sustainable Development Goal 1 calls for the eradication of all forms of poverty before 2030 (United Nations, 2021). The world is currently not on track to meet this goal. According to the World Bank (2021), one out of ten people in 2020 (about 9.2% of the world) are considered to live in extreme poverty, living on less than $ 1.90 a day, a setback caused in part by the global COVID-19 pandemic. Of which, according to the World Bank, 87% of the world’s poorest are living in Sub-Saharan Africa, representing more than 480 million individuals. The current energy and food crisis is likely to lead to further setbacks (United Nations, 2022; World Bank, 2022). * The World Bank considers **financial inclusion a key enabler to reduce extreme poverty and boost shared prosperity**. “Financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs – transactions, payments, savings, credit, and insurance – delivered in a responsible and sustainable way.” Since financial inclusion has been identified as an enabler for 7 of the 17 Sustainable Development Goals, a rapid rise in digital finance provides opportunities for access to financial services, including UBI, to communities all over the world, including those in low and middle-income countries (World Bank, 2021). However, little is known about the impact of digital finance and its potential to reach vulnerable communities. Recent evidence shows that the implementation of cash transfer programs using mobile money transfers has many positive effects: extreme poverty reduction, consumption in rural communities, diet diversity, etc. (Aker et al., 2016; Lee et al., 2021). But despite this positive evidence, there still exist open questions on how to make financial inclusion actually reach all of those communities around the world that need it (Aziz & Naima, 2021; Lashitew et al., 2019). * The COVID-19 pandemic made a compelling case for digital aid delivery. This can play a critical role for governments/multilaterals to deliver social assistance quickly and safely. Digital Infrastructure not only allowed governments to reach an unprecedented number of new beneficiaries, it also allowed them to make payments to them remotely. This brought millions of people into the social protection and financial system for the first time ([World Bank, 2022](https://blogs.worldbank.org/voices/covid-19-crisis-showed-future-g2p-payments-should-be-digital-heres-why)). However, it also highlighted the need to **expand digital infrastructure with the goal of making payment systems more inclusive, effective, and sustainable**. This includes addressing the challenges faced especially by women, who are often digitally and financially excluded. 1.4 billion adults remain unbanked.  These people are hardest to reach – and more commonly women, poorer, less educated, and living in rural areas.  * The Global Findex 2021 finds that almost two-thirds of adults in developing economies who received digital payments also used their accounts to store money for cash management, about 40% used their accounts to save, and 40% used their accounts to borrow. Although the data cannot establish a causal relationship, these findings suggest that digital inflows can pave the way for the wider use of financial services. Cash transfers are widespread: 97% of LMICs, 77% of which use unconditional CTs (World Bank, 2017), but the costs of delivering a cash program can be non-trivial. According to the International Rescue Committee, unconditional cash transfer programs’ costs range from 14 cents for every dollar transferred up to $1.32 for every dollar transferred. * **The provision of universal basic income (UBI) has the potential to combat extreme poverty**. “Basic Income consists of a periodic cash allowance given to all citizens without means, to provide them with a standard of living above the poverty line” (Stanford Basic Income Lab, 2022). A recent synthesis of UBI research has shown that UBI interventions can have positive effects on poverty alleviation, health, and education outcomes. Evidence of positive impact is seen on work conditions, while effects on labor market participation are insignificant (Hasdell, 2020). However, channels of cash assistance prove to fall prey to corruption and high expenses. Lack of transparency, plethora of intermediaries, and potential for corruption further increase the cost of aid via cash assistance. While estimates vary greatly the [UN reports](https://www.devex.com/news/30-percent-of-aid-lost-to-corruption-ban-ki-moon-78643) that 30% of aid is lost to corruption; the World Bank estimated the cost of corruption around $2.6 trillion, or 5% of global GDP – this figure encompasses both domestic and foreign corruption. However, this figure includes corruption in various sectors beyond foreign aid. ### impactMarket’s aims to achieve these goals: 1. **Financial Inclusion**: Many people in poverty lack access to traditional banking services. impactMarket’s financial tools provide them with access to basic financial services such as remittances, and low-cost money transfers in addition to specialized features enabled by the use of blockchain, like rewarded financial education, basic income, and an on-chain credit score. Moreover, utilizing stable coins, cryptocurrency, and community tokens enables peer-to-peer transactions without the need for intermediaries like banks, making financial services more accessible and affordable. 2. **Transparency and Trust**: Poverty-stricken individuals often face issues with corruption, fraud, and lack of transparency in financial transactions, as well as a lack of control over predatory transaction fees. Blockchain's decentralized and immutable nature can help establish trust and transparency in financial systems and newer currencies/tenders. By recording transactions on a distributed ledger that is visible to all participants, blockchain reduces the possibility of fraudulent activities, ensuring that funds reach their intended recipients and are used for the intended purposes, in impactMarket’s case: utmost freedom in spending decisions. 3. **Cost Reduction:** Traditional financial systems involve numerous intermediaries and high transaction fees, which disproportionately affect those with limited resources. impactMarket can help streamline processes, eliminate intermediaries, and significantly reduce transaction costs. This cost reduction can enable individuals in poverty to save money, access affordable credit, and make more efficient use of their limited financial resources. 4. **Secure Identity and Ownership:** Many people in poverty lack formal identification documents, making it difficult for them to access financial services and social welfare programs. Blockchain-based identity management systems can provide individuals with secure digital identities, allowing them to establish their ownership and access various financial services. By providing a decentralized and tamper-resistant identity solution, impactMarket can empower individuals to assert their rights and participate in economic activities. 5. **Microfinance and Crowdfunding:** The inability for wealth creation or expansion often stems from a lack of access to capital for income-generating activities. impactMarket can facilitate microfinance initiatives by enabling peer-to-peer lending and reducing the need for intermediaries. Additionally, impactMarket’s UBI tool’s crowdfunding methods can help individuals in poverty raise funds for entrepreneurial endeavors or community projects, bypassing traditional fundraising barriers and costs. 6. **Remittances and Cross-Border Transactions:** Many individuals in poverty rely on remittances from family members working in other countries. However, traditional remittance services often impose high fees and lengthy processing times. impactMarket’s Libera wallet offers faster and more affordable cross-border transactions, enabling individuals in poverty to receive funds quickly and securely. # The Concept Unlocking More Opportunities For All In today’s world, there are countless individuals and communities around the globe who lack basic necessities, such as financial access. New technologies such as blockchain bring new possibilities to tackle these challenges that traditional systems have been failing to address and deliver. However, adopting these new technologies for finance is proving to contribute far more than is visible at the surface. Blockchain’s differentials like transparency, reliability, global scale, and cost optimization catalyze the impact of projects like impactMarket, further driving financial inclusion to underprivileged populations. Doing more with less, impactMarket enables donors and funders to maximize their contribution while empowering people worldwide with a comprehensive range of inclusive solutions. impactMarket is dedicated to paving the way toward financial inclusion and education by harnessing DeFi to unfold human potential. In order to accomplish these goals, impactMarket has built and continues to build multiple borderless and censorship-resistant financial tools and services that will give people power over their circumstances, generating sustainable economic environments. Communities who live in places without a stable economy or are often excluded from it, like unprivileged citizens and refugees, use impactMarket’s Human Empowerment Protocol to meet their basic needs and create diverse opportunities to improve their lives. Building around DeFi, impactMarket allows beneficiaries to access inclusive financial tools and services, and to receive and cash out their funds easily and quickly with no condition. By being a blockchain-driven financial inclusion hub and an industry reference for social impact, impactMarket is becoming a catalyst in realizing some significant [Sustainable Development Goals](https://sdgs.un.org/goals). Through the protocol’s new DeFi products and services, impactMarket focuses on: * **SDG 1:** Ending poverty in all its forms everywhere * **SDG 4:** Ensuring inclusive and equitable quality education and promoting lifelong learning opportunities for all * **SDG 8:** Promoting sustained, inclusive, and sustainable economic growth, full and productive employment, and decent work for all * **SDG10**: Reduce inequality within and among some countries * **SDG 17:** Strengthening the means of implementation and revitalizing the global partnership for sustainable development Since its foundation: * Around[ $3M of funds](https://medium.com/impactmarket/impactmarket-raises-2-1m-and-launches-pact-token-to-empower-millions-out-of-extreme-poverty-5ba1663c1ce6) has been distributed to underprivileged people worldwide in Unconditional Basic Income. * impactMarket has become one of the world’s largest blockchain-based UBI systems, reaching[ over 46,000 beneficiaries in 269 UBI communities](https://www.impactmarket.com/global-dashboard) to help them cover their basic needs and invest in raw materials, livestock, and tools to secure long-term financial opportunities. * impactMarket’s microcredit feature has been piloted with 200 individual borrowers, having lent 90,000 Celo Dollars in microcredit. * To develop impactMarket’s leading web3 protocol and expand into vulnerable communities in the poorest countries, the company has raised [a total of $2.1M](https://medium.com/impactmarket/impactmarket-raises-2-1m-and-launches-pact-token-to-empower-millions-out-of-extreme-poverty-5ba1663c1ce6) until January 2022 ($1.6M in pre-seed and seed equity rounds and $500K through an IDO). * The protocol’s governance token, [$PACT](https://medium.com/impactmarket/introducing-pact-governance-token-airgrab-impact-farming-4e99c899701e), was launched through an IDO (Initial Decentralized Offering) on [Polkastarter](https://polkastarter.com/projects/impactmarket), and the donors of impactMarket started to be rewarded with $PACT with the [impact Farming](https://www.impactmarket.com/governance) mechanism. * impactMarket launched the [Staking Mechanism](https://medium.com/impactmarket/impactmarkets-staking-de24ce9f3816) for $PACT holders, enabling them to earn passive income and become the influencers of the protocol’s future health, direction, growth, and impact. * In November 2022, impactLabs, the company managing the impactMarket protocol, announced the launch of its validator group, directly supporting the Celo network and helping ensure its integrity. The goal is to donate all profits from running the Validator group directly to impactMarket communities.
# 2. impactMarket's Products Discover our impactful solutions Our products are accessible to everyone, considering different countries and cultures, languages, ages, levels of digital and financial literacy, access to technology, and other needs. {% content-ref url="/pages/uRB8X0axvb4hSHFhFCKY" %} [Microcredit](/impactmarket-apps/2.-impactmarkets-products/microcredit) {% endcontent-ref %} {% content-ref url="/pages/qJhEIv8DrmQeqPgQ4Jxs" %} [Unconditional Basic Income (UBI)](/impactmarket-apps/2.-impactmarkets-products/unconditional-basic-income-ubi) {% endcontent-ref %} {% content-ref url="/pages/eZzHxxaf23WbGiuUSSQd" %} [Learn & Earn](/impactmarket-apps/2.-impactmarkets-products/learn-and-earn) {% endcontent-ref %} {% content-ref url="/pages/aQgmtObeDgwZIVHr5418" %} [Libera Crypto Wallet](/impactmarket-apps/2.-impactmarkets-products/libera-crypto-wallet) {% endcontent-ref %} # Microcredit Microcredit as a financial inclusion mechanism ## The Context Credit is an essential financial service that helps people invest in their businesses, education, and homes. However, traditional credit institutions often exclude those who are financially underserved, as they lack collateral or records of credit history. Additionally, microfinance institutions often charge high-interest rates to compensate for the higher risk associated with lending to the poor. These high rates can sometimes make it difficult for borrowers to repay their loans, leading to default and further impoverishment. Microcredit is a financial inclusion strategy that focuses on providing small loans to those who are excluded from traditional credit markets. The microcredit approach was pioneered by Muhammad Yunus, who founded the Grameen Bank in Bangladesh in the 1980s. The goal of microcredit is to empower the unbanked and underbanked by providing them with access to credit, allowing them to invest in their businesses, improve their living conditions, and escape poverty. The microcredit market has grown significantly in recent years, with microfinance institutions (MFIs) serving over 140 million people worldwide. Microcredit has become a critical driver of financial inclusion, enabling millions of people to access credit, savings, and other financial services. According to a recent report by the World Bank, MFIs have disbursed over $130 billion in loans to low-income individuals and small businesses globally. One of the significant advantages of microcredit is its scalability. Unlike traditional lending institutions, which require collateral and extensive credit histories, microcredit providers use a group-lending model that leverages social capital to manage risks. This allows MFIs to serve millions of people who are excluded from traditional credit markets. Additionally, MFIs provide financial literacy training and other support services to help borrowers manage their loans effectively. Microcredit has proven to be a transformative strategy for financial inclusion, providing economic opportunities and empowering underserved communities. For example, a study by the Grameen Bank found that microcredit programs have a significant impact on poverty reduction, increasing the income of borrowers by 43% over two years. In India, a microcredit program targeted at women entrepreneurs helped increase their income by 80%. ## The Concept Blockchain-based microcredit platforms leverage smart contracts, which are self-executing agreements that enable lenders and borrowers to interact directly without intermediaries. This eliminates the need for traditional financial institutions and reduces the cost of borrowing, making credit more accessible to those who need it most. Smart contracts on blockchain can automate the loan application process, verification, and disbursement of funds, thereby reducing the time and costs involved in the manual processing of loans. Smart contracts can eliminate the need for intermediaries, such as banks or other financial institutions (who typically charge high fees for their services), resulting in reduced overhead costs. By eliminating intermediaries and streamlining the distribution and repayment of loans, there are fewer steps involved in the lending process and lower transaction fees for borrowers. One of the key benefits of blockchain-based microcredit is that it provides a more efficient and secure way to manage the lending process. Blockchain technology enables lenders to verify the identity of borrowers, assess creditworthiness, and track loan repayment in real time. This eliminates the need for manual verification, reducing the time and cost of processing loans. Additionally, blockchain technology provides an immutable record of transactions, ensuring that all lending activities are transparent and secure.\ Another advantage of microcredit on-chain is that it can be used to incentivize borrowers to repay their loans on time. For example, some microcredit platforms use tokenization to reward borrowers for timely repayment. Tokens can be used to access additional credit or other financial services, creating an incentive for borrowers to repay their loans and build a positive credit history. However, there are also some challenges associated with blockchain-based microcredit. One of the main challenges is ensuring that the technology is accessible to those who need it most. Many of the unbanked and underbanked may not have access to smartphones or other devices needed to use blockchain-based microcredit platforms. Additionally, there is a need for more education and awareness about blockchain technology and how it can be used to improve financial inclusion. Despite these challenges, blockchain-based microcredit has the potential to transform the microcredit industry and empower millions of people around the world. By leveraging the benefits of blockchain technology, microcredit providers can increase efficiency, reduce costs, and improve access to credit for the unbanked and underbanked. # Theory of Change

# Microcredit Ecosystem The microcredit feature in the Libera wallet dApp allows entrepreneurs to borrow small, low-interest loans to grow or sustain their small businesses. Using a DeFi approach, this microcredit product aims to disburse the microloans in cUSD cryptocurrency, due to its stability and security, towards a more inclusive financial ecosystem, especially for underbanked/unbanked entrepreneurial networks. It also allows borrowers to repay their microcredit amounts directly to the impactMarket treasury, needing no intermediaries in the process. It aims to implement the effectiveness of blockchain technology in reducing costs, improving transparency, and enhancing trust in the lending process. Additionally, we aim to assess the impact of microcredit on the economic empowerment of the borrowers, particularly in terms of poverty alleviation, income generation, and entrepreneurial activities. Three major outcomes of the Micro-lending project: 1. Access to credit for underbanked business owners 2. Empowers low-income women through managerial positions 3. Generates revenue for the company to sustain the microcredit ecosystem ## Outcomes expected
1. The loan manager, the mobile banker in this case, completes a training withimpactMarket’s team in the field. 2. Self-employed individuals or small business owners are identified by impactMarket’s partner NGOs on the ground and the mobile banker. 3. The selected borrowers complete an interview with the impactMarket microcredit assessment team and the mobile banker. 4. The mobile banker determines the loan amounts and provides information about each business. 5. The mobile banker receives cUSD from the principal source of their Libera wallet. 6. The mobile banker distributes the predetermined amounts to loan borrowers in monthly installments using cUSD on Libera or fiat money. 7. The borrower receives the next month’s installments when they repay their outstanding balance to the mobile banker. The amount is repaid by the borrowers in fiat money.
The microcredit ecosystem has already been piloted and launched in Brazil and Uganda, both in English and in Portuguese, and is in the process of launching in Nigeria, with more geographical scopes to be integrated soon. # Piloting Microcredit in Uganda Our microcredit pilot targets individuals who have active, small businesses with limited or no access to traditional financial services. These small-scale entrepreneurs are from underprivileged communities and low-income households. By reaching out to this specific audience, we aim to address the financial inclusion gap and support economic development at the grassroots level. There is a special focus on women entrepreneurs, aged between 21 and 51, with the majority of loans being distributed to this target group. The pilot allows the company to better understand the microcredit requirements of users in the country and the region, at large. Additionally, the pilot is testing the feasibility of replicating established conditions, such as interest rates and disbursement methods in a different market of entrepreneurs and a new, customized approach to microcredit. The pilot is also testing the Cash-In/ Cash-Out (CICO) flow within the Libera wallet and providing relevant data to create a fully fleshed Mobile Banker Dashboard. Key points from the Microcredit Pilot in Uganda: 1. The pilot has shown tremendous progress in identifying some of the key incentives, such as: repeat loans for those who repay with an increased amount; women borrowers; and certain categories of business that generate quick revenue (like Mobile Money trades). 2. With the mechanism of Country Ambassadors carefully selecting applicants for the pilot, the quality of applicants has ensured a high selection rate of borrowers. 3. Of 196 interviews conducted, 165 individual borrowers were approved to receive a microcredit. 4. 59.05% of borrowers are women and 40.95% are men. The average age of applicants is 28, ranging between 21 and 51. 84% are under the age of 30. 5. The average loan amount granted is $620.75, ranging from $200 to $2500. The average amount requested is $765, ranging from $50 to $5350. 6. A majority of applicants, 58% intend to use the loan to expand their business e.g. rent a bigger store, acquire new equipment, increase the variety of their product or services, etc., while 42% of applicants intend to use the loan to maintain their current businesses e.g replace produce/stocks, exchange broken equipment for newer, functioning ones, aim to match customer demands, etc. 60% of female-owned businesses indicate a desire to expand compared to 56% of male-owned businesses. 7. About 12% of loans have been fully repaid. All before reaching full maturity. # Unconditional Basic Income (UBI) ## The Concept **Unconditional Basic Income** is a form of income that presupposes that a group of people has access, unconditionally, to sufficient recurring income to escape extreme conditions. It is a program in which every beneficiary receives a set amount of money regularly to improve life and financial autonomy. impactMarket platform is an **open, free, crowd finance infrastructure** that allows anyone to support UBI programs by donating Celo Dollars (cUSD) to vulnerable communities in a transparent way, intermediaries-free (e.g.: no banks), instantly, and almost free of charge, regardless of country. ## Useful links {% embed url="" %} {% embed url="" %} {% embed url="" %} {% embed url="" %} # UBI Theory of Change
# impactMarket UBI Ecosystem ### **There are 4 different roles on impactMarket:** * **Community Manager:** The person who submits the community for approval and manages all the community's beneficiaries. Other managers can be added to a community to support the beneficiaries. [Apply now](https://docs.google.com/forms/d/e/1FAIpQLSfWNbGxbtStgepaLjRcAO98o8M2ot1JEgf8Nx1tRUDtQV05bQ/viewform) to create a community. * **Beneficiary:** The person added to an existing community who will be able to claim the UBI. * **Donors:** Those contributing and helping communities to strive and those who dare to dream. * **Merchants:** Entities that will sell goods (food, electricity, water, etc.) to beneficiaries in exchange for cUSD. ### **How we raise funds** * **Foundations/Grants:** Our fundraising team works directly with foundations and applies for multiple grants. * **Companies:** Collaborations as part of their strategy of social responsibility. * **Partners**: We count on several mission-aligned web3 projects that donate part of their profits to impactMarket communities. * **NGOs:** Many organizations use our protocol to distribute their own funds and/or support us in fundraising for their communities. * **Individuals:** Donating to the communities; supporting crowdfunding campaigns; highlighting our communities on their social media; etc ### How UBI is donated and then distributed **The inflow of UBI Funds:** There are two ways one can donate to impactMarket’s UBI communities: Either to the community directly, or to the treasury (i.e. community fund that’s made available to all communities). From the treasury, community managers are able to request funds from it for their communities. When the request hits the treasury, the amount is calculated and replenishes the community smart contract with what is required, allowing beneficiaries to then claim. When the community is created, there are 7 parameters considered: * **Amount per claim:** the amount a beneficiary receives each time they initiate a claim. E.g.: $1. * **Maximum claim amount:** the maximum a beneficiary can receive. Eg: $400 * **Decrease step amount:** amount decreased from "maximum claim amount" per each beneficiary added. E.g.: $0.01. * **Base claim interval:** Base interval is used to calculate the time before the next claim. E.g.: daily, weekly. * **Increment claim interval**: Increment interval used to calculate the next claim. E.g.: 1 minute, 5 minutes. * **Minimum tranche:** The minimum amount a community will receive when requesting funds. Eg: $100. * **Maximum tranche**: The maximum amount a community will receive when requesting funds. E.g.: $5000. # Multiplier Effect of UBI With its game-changer mechanisms such as remote distributions, transparent transaction ledgers, and reaching usable currency to the very last mile, impactMarket has seen tremendous social and economic growth in its communities since 2020. Having distributed over $3 Million in UBI, additional features like [**impact Farming**](https://www.impactmarket.com/crypto-hub#farming) and the new [**Deposit and Donate**](https://www.impactmarket.com/crypto-hub#deposit-donate) offer special incentives for donors while ensuring that 100% of each donation is directly distributed to impactMarket’s UBI beneficiaries, without losing any money in fees and other expenses. Beneficiaries receive their UBI individually, privately, and with primacy, enabling them to utilize the funds according to their specific needs and preferences. Typically, these funds are used to cover essential needs like food and access to education and often serve as a means to start small businesses. As a result, with the inflow of new funds into these communities, we witness an upsurge in economic activity and additional positive impacts among beneficiaries and non-beneficiaries. Financial stability and security are often necessary for individuals to adopt and leverage technology, which, in turn, drives economic growth, innovation, education, and social progress. However, it’s important to consider that the actual impact depends on various factors such as the accessibility and affordability of technology, the level of technological infrastructure, the technological literacy of the population, and lifestyle changes are influenced by a range of complimentary technological features. impactMarket’s mission, products, and features align with providing UBI to our communities and its ecosystem with these very benefits, determined in the following ways: 1\. **An increased ability for individuals to save has increased their ability to spend and purchase goods.** When people have more money saved in their hands, they are likely to spend it on goods and services, thereby stimulating economic activity. This increased consumer spending can have a multiplier effect as businesses earn more revenue, leading to further job creation and increased incomes. 2\. **Increased usage of a stable coin leads to popularity and potential for the whole ecosystem**, in this case, Celo Dollar. The multiplier effect seen here is the boost of a group and individual trust in non-traditional currencies resulting in some key advantages, such as financial inclusion and accessibility, spending less on transaction fees, enhanced security and primacy for the individual, decentralized freedom from financial systems and lastly, economic crisis resilience. 3\. **Rewards of $PACT for donors result in growth potential and utility for the asset and for each stakeholder, at large**. Donors and investors simply get paid even if they do not participate in the daily activities of the protocol, but they are impacted by the profitability and valuation of their donation. This can have positive effects on the overall economy as more people gain access to financial services, engage in transactions, learn about non-traditional currencies, and contribute to economic growth. 4\. As a multiplier effect of individuals receiving UBI, **shops and markets surrounding the UBI communities see an increase in sales and profits** as a result of higher consumption of goods and services. 5\. Given that the UBI is accessed, transacted, and saved using the mobile phone application, Libera, we see an **increase in the individual usage of technology**. With a requirement of the UBI being access to the internet, individuals are often driven to engage other applications on their devices– Social Media and Messaging apps, Financial Management apps, Education and Skill Development apps, Healthcare and Telemedicine apps, Job Search and Freelancing apps, Government Service apps and more. UBI can provide individuals with a financial cushion, reducing their immediate financial concerns and allowing them to allocate resources toward tech adoption and innovation. 6\. Unconditional capital at their disposal can **empower low-income individuals by providing them with the ability to engage financial tools, knowledge, and insights to effectively manage their money**. Most often, this increased financial engagement promotes financial literacy, facilitates saving and goal setting, and encourages responsible financial behaviors and decision-making. 7\. For impactMarket’s Microcredit, the multiplier effect of UBI is the provision of a safety net and reduced financial barriers for individuals to start businesses or pursue innovative ideas. This **encourages entrepreneurship and risk-taking, leading to new ventures and job creation**, which stimulates the local and national economies. 8\. For impactMarket’s [Learn\&Earn](https://www.impactmarket.com/learn-and-earn) product, the provision of UBI **creates the ability for individuals to experiment and learn with personal finances**. Financial literacy increases their knowledge in turn driving individual agency, as well as, financial responsibility and ability to participate in new blockchain products. **This multiplier effect can amplify each dollar up by several times**. Therefore, every dollar not only supports multiple beneficiaries but also circulates within the community, fostering local economic development as living conditions improve for all community members. By harnessing the potential of blockchain, impactMarket is enhancing individual financial well-being, which helps in breaking the cycle of poverty and achieving greater economic stability.
# Impacts on the Communities and Beneficiaries Economic and psycho-social impacts of UBI: An evidence based report impactMarket’s UBI program was implemented in four of the five refugee camps in Ghana with the help of a local, grassroots NGO along with some of the residents from each camp. Krisan Refugee Camp showed the highest interest and quickest adoption of the program which reached 80% of its population in 6 months. The program includes any individual who has access to a smartphone and provides $1.5 a day to them directly on it. Of these beneficiaries, 65 refugees participated (10% of the total beneficiary population) in the study that explored two areas: the psychosocial impacts and the economic impacts of blockchain-powered UBI. The duration of the study was 8 months and its methodologies included surveys, self-reported questionnaires, and in-depth semi-structured interviews. The participants were grouped as Individuals, Homemakers, Business-owners, and Common leaders. ‘Individuals’ included students, workers, farmers, and unemployed refugees, while the Common Leaders included teachers from nearby schools, camp leaders, pastors, and imams from the camps. ## An economic case for impactMarket’s UBI One part of the report focuses on the economic impact of UBI for the recipients in Krisan, analyzing changes in recipients’ consumption behavior, their ability to save and invest, and their interaction with the labor market. Here are some of the highlights reported by an independent researcher. * The report reveals that the primary use of these funds by Krisan beneficiaries was for purchasing food, accounting for 26% of the total amount distributed. * Beyond addressing food insecurity, the introduction of UBI in Krisan has created new dynamics within the community. One notable change is the utilization of the received funds for purchasing mobile phone credits, with 11% of the camp’s inhabitants opting for this expenditure. The report suggests that expensive mobile data in Ghana motivated this decision. With internet access made possible, 43% of participants observed an increase in smartphone usage. * An internet connection has been described by a refugee from Sierra Leone as a life-changing development, enabling business transactions and communication with family members through WhatsApp. Another significant finding from the study is that 20% of the beneficiaries used the funds for education, surpassing expenditure on clothing (13%) and transportation (17%). * Access to a recurring amount to cover basic needs also had a direct effect also in a higher percentage of students being able to attend school (from tuition fees to supplies) and having more focus thanks to improved nutrition. Being that education is one of the key factors to breaking the cycle of poverty and unlocking access to better professional opportunities and living conditions, UBI has the potential to cause a long-lasting and intergenerational positive impact. * Women especially benefited from UBI not only by supporting their families, mainly their children, but they could invest in personal feminine supplies. ## Psychosocial Case for impactMarket’s UBI While the economic impact of UBI might be clearly expected at first, the psychological effect is tremendous and was analyzed in the second part of the report. The diagram below shows the frequency of the usage of words during the interviews, reflected through the size of the font.

Feelings of community members in Krisan before receiving the UBI. Source: UBI, Blockchain & Refugees Report.

* The report explains that the changes can be analyzed from a family dynamics perspective, examining the role of women, or in terms of individuals’ evolving dreams and goals as daily stress is alleviated. * The report’s data indicates a 63% increase in optimism among Krisan residents, accompanied by a 17% reduction in anxiety levels. * One pastor living in Krisan mentioned that prior to the implementation of UBI, residents were too frustrated to interact with each other. * Another testimonial from a woman in the community reveals that her family has “found happiness” after receiving UBI, as they can now feed their children when previously they struggled to feed them. * impactMarket’s UBI program brought meaningful changes to people’s lives and their relationships in the camp. It instilled a sense of resilience, despite ongoing anxieties about their stateless condition. The full report is available [here](http://impactmarket.hubspotpagebuilder.com/ubi-blockchain-refugees-report). # More about Communities ## **Communities selection** Communities are usually led by local social institutions that have direct access to the end beneficiaries, selecting those who need it urgently first. After applying and get accept on impactMarket, each community will have one or more community managers who will keep the community public information up-to-date and can add multiple beneficiaries. Each beneficiary will have access to UBI until the funds run out. **To access this program**, ask your community or a local social institution you trust to apply for an impactMarket community or get in touch with us. ### Formats Communities aren't all equal. impactMarket has different formats for different communities. As of now, the only difference is to those fully self-funded. The contributor is not illegible for $PACT rewards when making a contribution. # Highlighted Stories The communities you can help. # ARTICLES Read here our articles and how you can contribute to these communities {% embed url="" %} {% embed url="" %} # UKRAINE - UBI for Ukraine {% embed url="" %} The community UBI for Ukraine was created to support people directly affected by the war in Ukraine, which started in February 2022. People like Yeva, who shares her story with us: ![](/files/wjiYhlmg8VTTfzRNH7jn) "My name is Yeva and I'm 20 years old. I'm a fourth-grade student at the University of Kharkiv (this is my origin city in the east of Ukraine). My family consists of me, my mum, and younger siblings (16 and 14). Before the war, I had been working as a language tutor for children and adults. This gave me an opportunity to help my family since my mother has no permanent job. When the war started, I had saved funds that helped us get through the first few weeks. During this time, we were evacuated first to Western Ukraine, and then to Belgium. The process of obtaining social aid here is very long because the local states are overloaded due to a large influx of refugees. We are here for almost two months and still have not received financial assistance. In addition, because of the war, many of my students were not able to pay for lessons - someone lost a job, someone was unable to due to the fact that there is no safe place. The main way to make ends meet at that time was the help of our friends and payments from UBI. F**or 1.5 months now I have been claiming funds every week, but I have not used them. And so it happened that by the time my savings for the family had already run out, about 100 euros from UBI had already accumulated in my account. It allowed us to buy some school supplies for my siblings and solve some health problems.** At the moment, for the second week, I can not claim money, since the community ran out of funds, but I am very grateful for the support that they gave us, and I feel the help of everyone who is involved in this". Support hundreds of stories like Yeva's. Contribute now at

Iryna's son, beneficiaries from the UBI for Ukraine community

### In war, children are the most vulnerable! In Ukraine, between the 7.1M internally displaced is estimated that 2.8M are children. Iryna is from Zaporizhzhya, and she left her hometown with this in mind “is just for some weeks”. Now, she is changing her life. She has a son with 4 years old, and her next plan is to travel to the United Kingdom through a program for refugees and wait for peace in Ukraine.UBI is helping her with food and getting some basic clothes since they left home just with some winter clothes and the hope to come back soon. Let´s keep supporting Iryna to protect her family[: ](https://www.impactmarket.com/communities/3467) # BRAZIL ### Discover the UBI communities in São Paulo, Brazil | impactMarket {% embed url="" %} # ZIMBABWE- Kunzwana Women's Association,
Most Kunzwana members are drawn from former farmworkers who lost their livelihood and homes during the government-led Commercial Farm confiscations in 2002. Four thousand (4000) large-scale farms were forcefully and violently taken over by the government, leaving 2 million farmworkers homeless and without jobs throughout Zimbabwe. Kunzwana facilitated the integration of former farm workers into nearby villages. Those registered with Kunzwana have been offered new skills at the Mationesa Skills Training Centre in Macheke. They have been assisted in starting a new life, different from the farming community. They also received psychological support and information on family laws.
Several women have now procured seeds, fertilizers, garden tools, knapsacks, and fencing to increase their horticulture businesses’ productivity. Some women are exploring venture into Ware-Housing since retail shops are far away in urban centers. Given the pandemic, women have included cultivating immune-boosting herbs since COVID-19 vaccines are not available to everyone in Zimbabwe. Currently, only 3% of the population has been vaccinated against COVID-19, including those who are mainly in urban areas and front-line workers. {% embed url="" %} # UGANDA - Women Rights Initiative UBI is provided to support domestically abused women and girls helping them to support their families. Before receiving the UBI, women victims of domestic violence could not financially afford to leave their oppressor. Thanks to the UBI, women are now able to financially support themselves and their children through basic necessities, allowing them to not return to the conditions of abuse. Since then, two of them - Rose and Kigere - started a small shop, selling fruits and vegetables in their village. **To facilitate transactions within the community, Rose and Kigere are now accepting Celo dollars.**
![](https://lh5.googleusercontent.com/cYg5YZOzOpZ56R9iU-RPzDJQ3We8zw6DFQF2NxFgJBmzEl4whZb-gY8gAmEOsODEy68fAZgl_5BRkJvREFn5KtQVqYo8D9ARjQpGI7bemVv8sDKjbt6YmEcOePWSlav6VuBEF4O0MTk=s0) ![](https://lh6.googleusercontent.com/2KBonHdAkwAYd_dGgdmZEnDTNsSD6ocz2dhlynOTpDVsLBxQ2QQPwlvMP46M6NUGpS3een_qd9H8PYH_QIGo6PopOL65d4DmlPCPDda6SGbkh4Q5-3YG1Ihj3Jun5N8VEm6DgpxaJNM=s0) ![](https://lh5.googleusercontent.com/jUQH7HbUauk_NzBQXfblyF7pgH7yaKegdeXJasKJ9J1z4VgzV8q9319wzsqVEfOie3oWlh3qAIRdHky0ZGT27uP9pMaKbEHLeRBVSRNbqC141gyH6y3PpH66aucSeg7Ks2mR_hRE8Do=s0) {% embed url="" %} {% embed url="" %} # UGANDA - YOTU community YOTU is a group of youth (between 16 to 30 years old) on a mission to inspire and set a better today for themselves and for other youth in their community by creating work opportunities. They are using their UBI to support their educational training (buying materials, saving for computers etc..**.** ![](https://lh6.googleusercontent.com/xpN4yJfou-zQlYQfbN9PNeIeupHf_FztV2WRyE9R4e22a6s9oXYubpwBa7wC9nUL4d7s1Z7xg1eDdCzVWoRK0fPCLOc7F5XsqyWKWefepd-KTr2uLL1dftx9mS8ZnSK0dwDGeDg098Y=s0) ![](https://lh5.googleusercontent.com/zMR1fNe93REa6co-hEha5CJ0u7vi1xQ85rNebm2_qXtm--2VfZEb64tP95JpPd60JbCBTbS21Y4JXyivKX9DBk0C5eQXODkrNjT1jqNbdSFMyXN1WHnWmGPBjpZDnFQW4bcoYRnU31s=s0) ![](https://lh4.googleusercontent.com/uInDa0ul0abl41n3saGfOrx115BF3UP_4DsHGE4nQDmn9A5Sy-ol1j0vgUsZGEYnMs55rV34L4HEL2MnynKuvIwjTxZ2WbX-6_hZE4oFdV9fUF_sAPyTrZzaMXTKewK_Pj56ePJ5_EQ=s0) ![](https://lh6.googleusercontent.com/FAm8Ejt-5DwYWIw3P_eDFQTj4q56YyNM8KS19i_jfRyesczPCYn_EBctOrewPVmTQh5oRVfbl4j1xleumstN7cX25CdQSWSXzTj8qPia1O5VXcdlupVULmQPvfBwigZXsYPq4VFhE4I=s0)
# GHANA - Krisan Refugee Camp ![](https://lh6.googleusercontent.com/97ckgU1Et1J8n8AYdWFCPwnVQKaIb1okEjJfXyOF4gvkJrjdJ7vaz-tZjiw4W1yyHDGKzCM6ZMCW0f0fjHYbKivwqihi0SsU0col1HwsPRJsFxsTE_YN8NiV4kkjTUjuaGvoh8OEYQ8=s0) A married couple, both refugees from Sierra Leone, living in the Krisan camp since 1999 with their four children, joined impactMarket program in early 2021. \ \ Since becoming beneficiaries, the couple has been able to start trading small products. This brought them enough savings to build the first hair salon in the camp as well as covering medical expenses to support their oldest child, suffering from Retts Syndrome. ![](https://lh6.googleusercontent.com/QW0USOLe-w6mSdgxkZSvZGFUEHKxGdeJqJ9xzNMZnrgz7f8EtukUGGKg8GDU_kSnY-gU0Umo6VkoHtfHZ1NUZFiy_fiejEPET2uQstrB23YWz3WrzIU07ustcG1_pSJ2bAxa6ZQRHks=s0) ![](https://lh6.googleusercontent.com/iS8Oz0YbyBPwF6Om2FPMjmJNcDQgUwagnM1LFH3adFxB5UoU8WWC3iC3rIZfjW9Ne9-48fmIPfi0TXzXzyRkJmvkzHJh-UJZZzlokwtL4_Izm8shAiO9pED33R0Bla41oIOyftqTIbs=s0) Born in the Krisan Refugees Camp in Ghana, Mawuli joined the program 6 months ago. He claimed his UBI daily but didn’t cash out until June as he saved up to start driving classes. He just got his license last week. ![](https://lh5.googleusercontent.com/bL8njw9Zg9TZnOb7eQKl2yrcTRtHh8vksJKgPIT1nJ1ONgazLsHZsZMHTokZzaNpv5tVzI9gzO7RdA_ojiQdGB2i8tAaXKncW7xO3ez-3aIiHkAVJ_M70sE-J1VW4FAs-mNts3-mwyE=s0) ![](https://lh3.googleusercontent.com/bU60CjJBsJLQOyidrNqDU_MRJ0YuPJKPcWhUaXzuQ5DNE3OZTtv0pTW0d22BSX3I6SkYGcSqCn6lIpe6maA4igCexHmGydVI4bu8ORWTUJXk229C9LcFPE8MFJMj3vCSLdPpzu61ytM=s0) ### ### **Testimonials from Refugees in the Krisan Camp. In partnership with the Refugee Integration Organisation** {% embed url="" %} # PHILIPPINES - Montalban Action Group In their third week of receiving UBI, some recipients started donating to the Montalban Action Group’s Community Kitchen, a purely volunteer-operated endeavour that cooks free meals. Some beneficiaries shared their weekly UBI so that more hungry children and families can also enjoy it. Their group is able to make more than 100 breakfast meals every day. ![](https://lh3.googleusercontent.com/e14xB7htdaHxES8CxqldpXT5sglnJy5dU2RtFhAx-vpGLtYsRdbTnCuNbl4_ywVkuQmsuYWm9s4JjAC7ifoSvnVv8DDM0qLXjagvvCNrzmWLB56jiLf6lQ6iDCK8o-yEduarMpn7aQc=s0) # ARGENTINA - Mujeres 2000 Mujeres2000 joined the program at the beginning of 2021 and have added beneficiaries from vulnerable neighborhoods in the north of Greater Buenos Aires. The UBI is claimed by young people and is used to cover the cost of education (books, transport, basic necessities).
# CAPE VERDE - Midjora nha vida "Midjora nha vida" project supported by Fundação Smart City Cabo Verde has for mission to empower financial independence for women. ![](https://lh3.googleusercontent.com/BqpIA9mcvv2XuY-6gamagA6S9p0gJ2RANl7onaabq1ToGaiJ3cbsjVyAWoEcxS4hWMyDcAwyNKfZE2LKa8Fjtj5be0WHYNSkQxnRQD7FXSlIVtjfyKKq5a4cwUgporWTlGA23tI3Svs=s0) ![](https://lh4.googleusercontent.com/jmjZzm5keELYmxW_gTbt6599stAF-iYa5Q0TNhaUEs6R_NdbfMVJjp1WjSrP7yRRY1GUPBsh_bSEtiDNHF5JirLbCqZVkHA-jqeudjhTqRLZ8Oi2v71aiS0Uo_41xZ-No88ZbARYYWY=s0) ![](https://lh4.googleusercontent.com/Y4w1SHTS4FFJZv28pAR2yFCiKIfZQELZeb9uf19VZxf2X_nXc-SfEGo_RJijhJcIPl1pNpimhlgqTmdCIXJo0xYH8L217jPIb9qx1YpLSaBEBWAE73xjfTGF2I1RHIp7bYIcXjlhPwI=s0)
# PERU - Agape Hand Community In Peru, our partner Agape Hands delivered hundreds of food baskets to the beneficiaries living in the region of Huaycán. They could buy the food using part of the UBI received by the beneficiaries and part of the funds from the organization. The current economic and political crisis in Peru increased a lot the prices of all supplies and the UBI is being an essential help to provide basic items to these families. ![](https://lh5.googleusercontent.com/9DAygNDp08Ozn72wPjnDVYDDCcRUO20D3Ss--pw9TAAViDaWYW9u-cLe02LaRc7FqFAJExUniBmgKPF0gfqUnidvgJvDzwEzonsQWTX2gggGEyR4HntJCgrrISPh__UxKQk8rZ1YnwI=s0) ![](https://lh6.googleusercontent.com/Nee1IgWqY_mmQS6E3TZkrIE6V5JQgiivRgiiuva1wJXXJwHM43gUKJLcmtU42djw1rYrOvlNVtY8tmAb4pK98sk1qEjXRLgbl2q1q4eEkfT36puY6jY7r_D7Yxa42qyvDnvCTSF8rEY=s0) ![](https://lh4.googleusercontent.com/cAAMw9TOv8Q1muisJ3MbV_UBznXdCL80xWmqJ5HojId6_9QAF_NJ6ikPibWpAwAne1YNFvmIBmrOdFXLHK1WDi7LMhMxeqBpFHIvcKfWqzDhsAnqOcYN9fR08-Mtnv6c49IuFSHcH_A=s0) # VENEZUELA - San Pedro del Río Community This family is investing the UBI in their plantation since they first started to receive it. Their plantation being their only source of income and food for themselves. After only 4 weeks of joining the program, the family was already able to buy a Goat and rent some oxen to do the plow. ![](https://lh5.googleusercontent.com/EoAWG2uB_qar4xQXEjHLVRIlBBOnByTO6CXs_51jJZe1a0P0smYLtkE4cFi-9jqMmNN0C4gkDTDNhipFHDH3rhnKEBf96_AuC-SB6mu4oXv6Qs4D3AVrrhX070Ag0N-3SBnFnhq2W_k=s0) ![](https://lh5.googleusercontent.com/txOkvOcKzw4iOnAnCBpZRmfZ900DAA4wJmrXZWM3w3gSX97nIyBcCe-dpw04FV7VxBVIaGxOfeRFFfaM2xr4VSTppEX_tHX8npNcjDBHTUqKGOOjzhU5zrP9pfhjt5rHqH2tsO0lgHY=s0) ![](https://lh5.googleusercontent.com/bpv7jOA3wzNAwVMymot2ym6RbHMCoMsiQqeCi8lDYGNLlnqMOJYsfOfbky3pvxXgjPi2jVYiyZBHf_gseVCGa-JZMdCi4g5CMT5Md6tkMT9j-vtFI-qLHkNkZtCiVpQXz6Z2TIqWqlI=s0) # Communities ## Does a community have a limit on the number of beneficiaries? Backers are the persons responsible for determining how many people they want to benefit over the course of the project, but these numbers can always change from the moment new investors start to invest in the community. Always inquire about the community manager so that he can inform you regarding the number of vacancies. ## What causes a community to be closed? Any type of fraud within a community can cause it to be terminated at any time ## My community has run out of funds If your community has run out of funds, you will not be able to claim. The only way to start claiming again is when the community gets additional funds through donations. ## My community will run out of funds soon If your community runs out of funds soon, it means that the community funds are almost empty, and no one will be able to claim until additional funds are added to the community. ## When will you activate new people in the community? First, look for the community manager closest to you so that he can analyze if you meet the criteria required by the project and that he check if there are vacancies available. # How to apply a community? If you have a proposal to create a UBI community in your country or region, please, read it carefully and fill [**in this form**](https://forms.gle/nmEb85HHxcbGupjr7)**.** **As a Community Manager,** you can apply to your community (tap the blue button "Apply Community"). If approved, you can immediately start adding the community beneficiaries who will have access to the funds deposited in that community, equally for everyone.
## Apply Community The process of applying is extremely simple as you just need to fill out a form with: \ \ **Community** * Name * Short description * Cover image * Manager profile photo * City * Country * Email **Contract Details (** Rules for accessing funds. As an example, each beneficiary can request $1 / day until they accumulate a maximum of $ 500) * Amount per claim * Claim Frequency (Daily or Weekly) * Total claim amount per beneficiary * Total increment after each claim (Minutes or Hours) ## Accepted Communities After a community gets accepted by impactMarket, a contract is created and submitted on the Celo blockchain with the data we get from the form. After this, the community manager will be notified by email and push notification on the impactMarket app and can immediately start managing the community and doing things like * Adding or Removing beneficiaries; * Adding or Removing Managers; * Edit the public information about the community like Name, Short Description, Cover image, City, Country. * Ensure there are funds available for the community. {% hint style="info" %} Please consider that impactMarket follows a growth framework that allows us to prioritize first the most needed and do better management of our donations. {% endhint %} You can check the entire methodology in [**this article**](https://medium.com/impactmarket/impactmarket-growth-framework-c04d3169d446)**.** # Libera Crypto Wallet The Crypto Wallet for All
Libera is a crypto wallet built by impactMarket, for the purpose of enabling a modern and inclusive gateway for financial services for disempowered and low-income people globally. It is a crypto wallet that is easy to use, it is secure, lightweight, and transacts with low fees. Libera, the crypto wallet launched by impactMarket on the Celo blockchain, aims at providing unbanked and unserved communities with access to financial systems through DeFi. Libera’s DeFi features allow users and UBI beneficiaries to perform transactions without any intermediaries, breaking down barriers of finance by granting them full management and control over their assets.
Available on the [Play Store](https://play.google.com/store/apps/details?id=com.impactmarket.mobile&) or [App Store](https://apps.apple.com/us/app/impactmarket/id1530870911), Libera allows its users to claim, send, and receive funds globally, regardless of their location. This crypto wallet is designed as a one-stop financial tool that provides those who are not in the banking system with cash-in and cash-out methods. This plays a key role in the bigger goal of financial inclusion as it enables the unserved and underserved communities to access their UBI and other financial services, in addition to learning material through efficiency and transparency.
We believe that blockchain doesn’t need to be complicated. Blockchain holds the potential to empower those financially underserved and unserved all over the world, and this is Libera's role as a key solution related to impactMarket. Libera enables you to safely keep and manage your crypto assets and do different transactions such as send and receive crypto, with a special highlight on the exclusive mechanism of claiming Unconditional Basic Income (UBI) for impactMarket beneficiaries. Soon other features will be implemented, including easy access to cash-in and cash-out options, and staking of PACT tokens, among others. # Libera Theory of Change
# Learn & Earn Financial literacy is a key element to achieving independence and security by providing the awareness and skills needed to make informed decisions about budgeting, saving, investing, and more financial activities that guide through solid financial citizenship. As financial behavior and interaction shift to a more digitized world, understanding fin-tech and blockchain is increasingly necessary. As there is no financial inclusion without financial literacy, this product is part of the financial inclusion mission to empower underserved communities with relevant financial knowledge and learning. What this program offers is easily understandable courses in the shape of educational content lessons to all of our beneficiaries which will soon be available to all Libera users as it enables financial literacy surrounding blockchain for women, children, and low-income underbanked communities. This content allows them to better understand impactMarket’s partners’ projects contributing to their financial independence. [Learn & Earn](https://www.impactmarket.com/learn-and-earn) is a great opportunity for mission-aligned partners to expand their reach, awareness, and engagement to a global scale in markets with an impressive potential for growth. It’s also a gateway for users from developing countries to discover new opportunities, technologies, and useful knowledge to have a more prosperous life.
Learn & Earn delivers short educational content presented in courses to impactMarket beneficiaries and, soon, to all Libera users. It’s conceived in response to the users’ need and interest in gaining financial literacy, aiming to better manage the amount of cryptocurrency received as UBI while leveraging the use of the Libera wallet. impactMarket’s Learn & Earn stands out in several significant ways. Firstly, mission-aligned partners can access a rapidly expanding audience of individuals eager to learn about a financial system that is accessible to them. With more than 40,000 beneficiaries worldwide, impactMarket is currently the most widely used dApp on the Celo network. As a result, partners can access an audience that is often overlooked, directly contributing to bringing DeFi to the next billion while driving financial literacy and human empowerment. Secondly, Learn & Earn courses are available to all impactMarket's beneficiaries through the [dApp](https://app.impactmarket.com/learn-and-earn), which can be accessed on smartphones and desktops. Rewards can be easily redeemed via the crypto wallet Libera. Finally, based on two years of experience operating in emerging markets, impactMarket's Learn & Earn is grounded in a user-centric approach, enabling impactMarket to help other projects craft the right message to engage a new and thriving audience. Users are incentivized by earning rewards when successfully completing the courses. New engaging lessons are released every week, and new partnerships expand the possibilities of learning relevant topics in Web3 and other fields, always bringing useful knowledge that is applicable to their lives. For more information and partnership inquiries, contact the impactMarket team at .
As the target audience expands, impactMarket supports more than 40,000 people daily, making it the most used dApp on the Celo network and providing the partners with an ever-growing audience that is not necessarily considered by other projects. # Learn & Earn Theory of Change
# 3. impactMarket's Protocol {% content-ref url="/pages/xmnHtsOiVPo0iY8x4KFs" %} [PACT Token](/impactmarket-apps/3.-impactmarkets-protocol/pact-token) {% endcontent-ref %} {% content-ref url="/pages/u9NkJfTnXHtL4bo7AjWC" %} [Voting & Governance](/impactmarket-apps/3.-impactmarkets-protocol/voting-and-governance) {% endcontent-ref %} # PACT Token [$PACT is impactMarket's governance token](https://medium.com/impactmarket/introducing-pact-governance-token-airgrab-impact-farming-4e99c899701e). It acts as a global medium of governance that empowers participants through decision-making and comprehensive incentive mechanisms. **Token holders** will be granted the ability to influence the protocol's future health, direction, growth, and impact: * **Voting power delegation:** Any token holder can delegate voting power to themselves, someone they trust, or key protocol participants. You can vote with any amount of tokens; you don't need to stake them, only hold them in your wallet. * **Communities´ verification and validation:** Each new UBI community will be submitted as a proposal and reviewed by token holders, who can vote for its approval. Verified communities can request funding directly from the DAO. * **Manage/Update:** key parameters, calculation formulas, treasury allocation, and incentives. ## Tokenomics * Total Supply: 10 Billion PACT over the next 10+ years (starting from 2021). * Distribution: 40% to the community, 30% to impactLabs, 20% as DAO reserve, and 10% to early participants. # PACT Theory of Change
# Impact Farming and Staking ## Impact Farming: Donate cUSD and earn $PACT as a reward **Impact farming** is an incentive mechanism set up to reward contributors for their support on a regular basis. It allows anyone to claim $PACT tokens as **rewards** for their cUSD contributions to back UBI in vulnerable communities. New $PACT tokens will be available every epoch (24h) and can be claimed 15 epochs after each contribution. The **rewards calculation** and allocation will happen based on how much $cUSD each contributor has donated vs the total raised on 30epochs. {% hint style="info" %} Impact farming is only available when donating to the DAO or to a specific community using cUSD (sending directly to the smart contract address isn’t considered for rewards). {% endhint %} Get a full view of how it works [here](https://medium.com/impactmarket/pact-tokenomics-v2-new-improvement-proposals-2149435444f3). ## $PACT Staking: Get extra rewards! Stake your $PACT tokens and get extra rewards by earning interest after 24 hours of allocation. [**Here** ](https://medium.com/impactmarket/impactmarkets-staking-de24ce9f3816)**is everything you need to know about our Staking and check our** [**FAQs**](https://support.impactmarket.com/) **for more information.** # Voting & Governance ## Voting Voting works with $PACT tokens. To vote you need to first delegate votes to yourself or have others delegating to you. To do so, go to . You can vote with any amount of tokens, and you don't need to stake them, only hold them in your wallet. To open proposals is necessary to have at least 100 million $PACT tokens. ## How to vote using Metamask In order to use your Metamask to vote on Commonwealth, you will first need to **add Celo Network to your Metamask.** Proceed with the following steps: 1. Open MetaMask, click your profile image on the top right corner, and then click "Settings". Next, scroll down to "Networks" and click. Finally, press the "Add Network" button. 2. Fill in the following values depending to add the Celo Network Mainnet: * Network Name: Celo (Mainnet) * New RPC URL: ; * Chain ID: 42220 3\. Press "Save". The Celo network you just configured should now show up under MetaMask's "Networks" dropdown list. ### How to use 24-word seed phrase wallets on Metamask. Celo and Ethereum use different derivation paths for generating seed phrases meaning, Metamask does not support 24 seed phrases. It is, therefore, not possible to import an existing Celo account into the MetaMask wallet using its seed phrase, as you'd get the Ethereum version of it. Instead, you have to **import it using the associated private key.** To get the private key, you will need to go through the Celo extension. 1. Click on Celo Extension Wallet within your browser, click on the triple dots next to the name of the account you wish to export, and then select "Account details" from the drop-down. 2. From the pop-up that appears, select "**Export Private Key**". 3. Enter your password for Celo Extension Wallet and click "Confirm" to reveal your private key. **Copy the private key and store it securely**. 4. Click on the MetaMask extension within your browser, click on the account selection within MetaMask, and then select **"Import Account"** from the drop-down. 5. **Select "Private Key"** for import type, paste in the private key you copied from Celo Extension Wallet, and click **"Import".** You should now see your account from Celo Extension Wallet within MetaMask enabling you to vote on Commonwealth. Verify that you've imported the correct account onto the Celo network and that your private key plus passphrase are stored securely before uninstalling Celo Extension Wallet. ## ![](/files/GD4SX7PEApTDDqedoyl3) ### Governance configurable parameters Following the chart above, there's a list of governance parameters that can be edited. See the list below for more details. #### delay * the time that must pass until someone can trigger the execution of a proposal * can be edited by the DAO (by making a proposal) * must be between MINIMUM\_DELAY and MAXIMUM\_DELAY **MINIMUM\_DELAY and MAXIMUM\_DELAY** * cannot be edited after deployment * MINIMUM\_DELAY is 2 days and MAXIMUM\_DELAY is 30 days **GRACE\_PERIOD** The maximum period that a voted proposal can be executed after the delay. After that period the proposal is expired and cannot be edited after deployment. GRACE\_PERIOD is 14 days #### proposalThreshold * the number of votes required in order for a voter to become a proposer * can be edited by the DAO (by making a proposal) * must be between MIN\_PROPOSAL\_THRESHOLD and MAX\_PROPOSAL\_THRESHOLD **MIN\_PROPOSAL\_THRESHOLD and MAX\_PROPOSAL\_THRESHOLD** * **cannot be edited after deployment** * MIN\_PROPOSAL\_THRESHOLD is 1% of the total voting tokens and MAX\_PROPOSAL\_THRESHOLD is 5% of the total voting tokens #### votingPeriod * the duration of voting on a proposal, in blocks * can be edited by the DAO (by making a proposal) * must be between MIN\_VOTING\_PERIOD and MAX\_VOTING\_PERIOD MIN\_VOTING\_PERIOD and MAX\_VOTING\_PERIOD * cannot be edited after deployment * MIN\_VOTING\_PERIOD is 17280 (\~ 24 hours) and MIN\_VOTING\_PERIOD 241920 (\~ 2 weeks) #### votingDelay * the delay before voting on a proposal may take place, once proposed, in blocks * can be edited by the DAO (by making a proposal) * must be between MIN\_VOTING\_DELAY and MAX\_VOTING\_DELAY MIN\_VOTING\_PERIOD and MAX\_VOTING\_PERIOD * cannot be edited after deployment * MIN\_VOTING\_DELAY is 1 (\~ 5 seconds) and MAX\_VOTING\_DELAY 120960 (\~ 1 week) #### quorumVotes * the number of votes in support of a proposal required in order for a quorum to be reached and for a vote to succeed * cannot be edited after deployment * quorumVotes is 1% of the total voting tokens #### proposalMaxOperations * the maximum number of actions that can be included in a proposal * cannot be edited after deployment * proposalMaxOperations is 10 # 4. Impact Measurement Data-Driven Impact Impact measurement is the process by which impactMarket quantifies and assesses the effects, outcomes, or changes resulting from each of its interventions, protocols, and projects. The purpose of establishing a department for impact measurement is to determine whether impactMarket’s intended goals and objectives have been achieved, and to what extent. The processes involve collecting and analyzing data to evaluate the social, economic, psychosocial, or other effects of each intervention or action. The outcomes we expect for communities benefiting from our financial tools is that their lives are enriched, sustainably, and to the extent of progressing out of poverty. We study this progress in our communities by using these measures on individual and community levels: 1. Financial independence for women and children 2. Increased financial literacy and inclusion for every community member, directly or indirectly 3. Increased access to opportunities, skills, and income 4. The degree to which ‘quality of life is enriched by increased access to basic facilities and services 5. The degree of progress out of multidimensional poverty 6. Socio-economic development When measuring the impact of a technological intervention on people living in poverty, it's important to impactMarket to consider a range of social, economic, and well-being indicators. The goal is to assess how our multifaceted protocol is affecting their lives, addressing their needs, and contributing to their overall economic improvement. In addition to being guided by some of the core SDGs, the specific areas of an individual and community that we pay close attention to, and evaluate results from, are: 1. Income and Employment 2. Access to Basic facilities 3. Skill Development and Education 4. Adoption of Technology 5. Financial Inclusion 6. Gender Equality 7. Health and Nutrition 8. Family & Gender Dynamics 9. Social Capital and Community Development 10. Local Economy and Value Chain 11. Natural & Environment Impact 12. Resilience to Disasters It's essential that the Impact Measurement Department chooses indicators that are relevant to the specific goals of each of impactMarket’s products, involve the participation of the communities, and use a combination of quantitative and qualitative methods to provide a comprehensive understanding of its impact on people in poverty. When employing these indicators to produce evidence-based results and reports, using in-app surveys, on-ground data collectors, and stored information, the type of data that the department relies on are: 1. On-chain data (transactional, savings, financial patterns) 2. Quantitative data from the protocol’s system (activity, interactions with the app) 3. Qualitative (from interviews, previous studies) 4. Ethnographic elements 5. Observational data from Ambassadors and Community Leaders (eg. increased use of technology) 6. KYC - Age, Gender, Number of children, Location) Combining internal studies, learnings, and results with partnerships with world-renowned universities and research experts, impactMarket enables the exploration of its own products on global communities and area-specific impact, such as financial inclusion, at a global scale. This allows impactMarket’s products to be introduced and transparently evaluated on a platform that works towards global development and often contributes to discussions around using blockchain for social impact and development. impactMarket's methodology to measure impact follows an internal ethical code, as well as obtains all necessary ethical approvals as per the country and community being studied. All research activities are centered around participatory methods, ethnographic understanding, and compassionate learning. We use innovative tools to derive the most honest and in-depth assessments, so as to transparently inform all stakeholders, gain credibility as a tool for development, and eventually influence policy decisions in the impactMarket ecosystem of our combined impact. # Reports and Case Studies ## Microcredit {% embed url="" %} {% embed url="" %} ## UBI {% embed url="" %} ## Annual Report {% embed url="" %} # Our People ## Leadership impactMarket is built by a diverse team of talents from all around the world. Talking about diversity, we are proud to highlight that half of our leaders are WOMEN, an exception not only in the Web3 ecosystem but in several industries. This says much about us, our values, and our work at impactMarket. Meet our inspiring leaders below and find their photos [here](https://drive.google.com/drive/folders/1e4eaVOLmZ6nDVpCQvMRwD8mSny14WzvA?usp=share_link). For additional information, please reach out to . William Le - Chief Executive Officer Marco Barbosa - Co-founder and Chief Product Officer Bernardo Vieira - Co-founder and Chief Technology Officer Afonso Barbosa - Co-founder and & Chief Design Officer Jessica Gaubert - Chief Operations Officer Susanne Zapelão - Chief Marketing Officer Mariana Vilaça - HR Manager Ana Catarina Neves - Community Success Manager *** ## Careers Stay tuned to impactMarket's [LinkedIn](https://www.linkedin.com/company/impactmarket/) to see all open positions in our team and access our Careers portal: {% embed url="" %} # Brand and Media Kit Spread the word about impactMarket A powerful way to support our mission is by sharing about impactMarket, our impactful stories and use cases, and our products. You can find useful resources here in order to communicate about impactMarket ensuring consistency and the correct use of our brand assets. ### impactMarket Protocol * [Brand kit](https://drive.google.com/file/d/1sowqxGudKAUhQP5aUZu_uNVwJAjipPxb/view?usp=sharing) * [Logos and symbol](https://drive.google.com/drive/folders/1dKjMkdXxA7vrCHoOOdDebHYp40RbPg-1?usp=share_link) ### Libera Crypto Wallet * [Brand kit](https://drive.google.com/file/d/1Zy0K3piVx6YvadMtrR696pb3E6Ysyq7C/view?usp=sharing) * [Logos and symbol](https://drive.google.com/drive/folders/1CeXFU6gVDztvl0pral31pXFLOmNRNrQ3?usp=share_link) * [Product screenshots](https://drive.google.com/drive/folders/1itN4avpT83bLhWDPi12VGAA2f6iK_oqY?usp=share_link) ### Impact Leadership * [Meet our impact Leaders](/company-toolkit/our-people) * [Leaders' headshots](https://drive.google.com/drive/folders/1e4eaVOLmZ6nDVpCQvMRwD8mSny14WzvA?usp=share_link) {% hint style="info" %} Our brand assets and trademarks belong exclusively to impactMarket. To help maintain consistency, we ask that all third-party use of our brand assets be appropriate and authorized. We remain at your disposal in case you have any questions or might need other resources not available here. You can also reach out to us for inquiries at . {% endhint %} # On the news! 👉 In English\ \ **Crypto Altruism Podcast**\ \ \ **Basic Income**\ \ \ **Yahoo Finance**\ \ \ **GlobalFintech**\ \ \ **Market Watch**\ [https://www.marketwatch.com/press-release/impactmarket-raises-21m-and-launches-pact-to\[…\]-empower-millions-out-of-extreme-poverty-2022-01-26-9183035](https://www.marketwatch.com/press-release/impactmarket-raises-21m-and-launches-pact-token-to-empower-millions-out-of-extreme-poverty-2022-01-26-9183035)\ \ **Business Insider**\ [https://markets.businessinsider.com/news/stocks/impactmarket-raises-2-1m-and-launches-pact\[…\]n-to-empower-millions-out-of-extreme-poverty-1031131203](https://markets.businessinsider.com/news/stocks/impactmarket-raises-2-1m-and-launches-pact-token-to-empower-millions-out-of-extreme-poverty-1031131203)\ \ **Coindesk**\ **Invezz**\ \ \ **Bitcoin Ethereum News**\ \ \ **Blockchain24**\ \ \ \--------------------------------------------------\ \ 👉 In Portuguese **Podcast "O ar é de todos"**[\ https://open.spotify.com/episode/2rcil9wd5tT01kuny9dJQl?si=TWzeMxOBSxeC08Am1Vwa4g\&nd=1](https://open.spotify.com/episode/2rcil9wd5tT01kuny9dJQl?si=TWzeMxOBSxeC08Am1Vwa4g\&nd=1)\ \ **Forbes Brazil**\ \ \ **Jornal Económico**\ [https://jornaleconomico.pt/noticias/startup-portuguesa-ambiciona-tirar-milhoes-da-pobreza-extrema-ate-2030-845027 ]()\ \ **Sidrolandia em Foco**\ **Bloomberg Linea Brasil**\ \ \ **Bitpinas**\ \ \ **ECO**\ \ \ **Iberian Lawyer** \ \ \ **Sidrolandia em Foco** \ **Bloomberg Linea Brasil** \ \ \ **Bitpinas**\ \ \ **ECO**\ \ \ **Iberian Lawyer**\ \ \ **PCGUIA**\ \ \ \--------------------------------------------------\ \ 👉 In French\ \ **Cryptonaute**\ \ \ \ \
# Legal # Data Privacy Policy (GDPR) This data privacy policy will explain how our impactMarket uses the personal data we collect from you when you use our website or our mobile applications. Words and terms used in this privacy policy unless otherwise defined shall have the meanings given to them in the European Union's General Data Protection Regulation ("GDPR"), the Brazil Lei Geral de Proteção de Dados ("LGPD") and the California Consumer Privacy Act of 2018 ("CCPA"), all as amended from time to time. References to the GDPR shall be deemed to include the GDPR as incorporated into UK law under the Data Protection Act 2018 (DPA 2018). Topics: * What data do we collect? * How do we collect your data? * How will we use your data? * How do we store your data? * Record Keeping * Marketing * What are your data protection rights? * What are cookies? * How do we use cookies? * What types of cookies do we use? * How to manage your cookies * Privacy policies of other websites * Changes to our privacy policy * How to contact us * How to contact the appropriate authorities ### What data do we collect? impactMarket collects the following data: * Personal identification information (First Name and Last Name (both optional), age, gender, email address, bio, number of dependents, phone number, photograph) * Device information * Browser Information * Information as to your Location * Account Controls * Account Settings * Cookies Data * Log Data * Data from advertisers and other ad partners * Developer Data * Public Information you provide including your Profile Information & Photo ### How do we collect your data? You directly provide impactMarket with most of the data we collect. We only collect such Personal Information on our Site or in our App when you voluntarily provide it to us. We collect data and process data when you: * Register online or create a Profile and an account to subscribe for any of our services. * Upload a photo and create a username and password. * Post materials on our Site or App. * Perform searches on our Site or App. * Voluntarily subscribe to communications or contact us on any of our message boards or via email. * Use or view our website via your browser's cookies. * Provide any other information voluntarily when using our Site and our App. Our Company may also receive your data indirectly from the following sources: * Information about your computer or device and internet connection, including operating system and browser type. * Details of your visits to our Site and to our App, including traffic logs and data. ### How will we use your data? Our Company collects your data so that we can: * Create your account, create your Profile and manage your account. * Store information as to your Profile and user preferences. * Email you with special offers on our products and services we think you might like. * Send push notifications alerting for new features or to perform an action, like updating the app. * Track your visits to our Website and our App for advertising and analytics. * Provide personalized advertising and sharing data with third party web clients or applications. * Track audience size and usage patterns. * Recognize you as a returning user to our Site or our App For data collected, the primary legal bases/basis we rely on for such processing is contractual necessity or consent. ### How do we store your data? Our Company securely stores your data at centralized secure locations. We secure your data through encryption in transit and at rest. Your data will be stored in accordance with the applicable record retention requirements of impactMarket, any other applicable laws. Our Company will keep your personal data for as long as your account and Profile is active. Once you de-activate your account and Profile, we will delete your data within 30 days. Our Company will keep log data for 18 months Once that time has expired, we will delete your data. ### Record Keeping Our Company keeps a record of when and how we received your consent for data collection and processing. Our Company keeps a record of exactly what and where you were told at the time of your consent. We regularly review consents to check that their relationship, the processing and their purposes have not changed. ### Marketing Our Company would like to send you information about products and services of ours that we think you might like, as well as those of our partner companies. * None at this time If you have agreed to receive marketing, you may always opt out at a later date. You have the right at any time to stop impactMarket from contacting you for marketing purposes. If you no longer wish to be contacted for marketing purposes, please email us at . ### What are your data protection rights? impactMarket would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following: **The right to access** -- You have the right to request Our Company for copies of your personal data. We may charge you a small fee for this service. **The right to rectification** -- You have the right to request that Our Company correct any information you believe is inaccurate. **The right to erasure** -- You have the right to request that impactMarket erase your personal data, saved on our servers, under certain conditions. All data recorded on the Celo blockchain is immutable and impactMarket cannot change it.. **The right to restrict processing** -- You have the right to request that impactMarket restrict the processing of your personal data, under certain conditions. **The right to object to processing** -- You have the right to object to impactMarket processing of your personal data, under certain conditions. **The right to data portability** -- You have the right to request that impactMarket transfer the data that we have collected to another organization, or directly to you, under certain conditions. If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email: ### Cookies Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology For further information, visit allaboutcookies.org. #### How do we use cookies? Our Company uses cookies in a range of ways to improve your experience on our website, including: * Keeping you signed in * Understanding how you use our website #### What types of cookies do we use? There are a number of different types of cookies, however, our website uses: * Functionality -- Our Company uses these cookies so that we recognize you on our website and remember your previously selected preferences. These could include what language you prefer and location you are in. A mix of first-party and third-party cookies are used. #### How to manage cookies You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result. ### Privacy policies of other websites impactMarket website contains links to other websites. Our privacy policy applies only to our website, so if you click on a link to another website, you should read their privacy policy. ### How to contact us If you have any questions about impactMarket privacy policy, the data we have collected, or you would like to exercise one of your data protection rights, please do not hesitate to contact us. ### Changes to our privacy policy Our Company keeps its privacy policy under regular review and places any updates on this web page. # Terms and Conditions of Use of the impactMarket App and Website #### 1. IDENTIFICATION OF THE PERSON RESPONSIBLE FOR THE APP 1.1. These Terms and Conditions of Use (hereinafter the "Terms and Conditions") govern the use of the "impactMarket App" for mobile devices, compatible with the iOS or Android system (hereinafter the "App") managed by impactLabs, with registered office in Rua Irmãs Missionárias do Espírito Santo, n°37, 4715-213 Braga, Portugal, bearer of the Portuguese tax payer number 516228293, email: (hereinafter "impactLabs"). #### 2. OBJECT 2.1. These Terms and Conditions are directed at Users who are part of a vulnerable community and intend to benefit from the Unconditional Basic Income System. 2.2. The impactMarket App allows anyone in a vulnerable community registered as a beneficiary, to receive an Unconditional Basic Income. For that purpose, a community manager must create a community in the platform and register each beneficiary of the specific community in the App. Afterwards, the beneficiaries may start claiming their Celo Dollars and receiving the amount in their Valora’s account (Celo’s digital wallet, a different App). 2.3. By using the impactMarket App, the User accepts the present Terms and Conditions and declares for all due purposes that he/she has the legal capacity to contract and to assume all the obligations associated to such contracting. #### 3. USE OF THE APP 3.1. Access to and navigation of the App is free and does not require registration. However, to benefit from the Unconditional Basic Income, it is necessary to be registered as a beneficiary on the App. 3.2. Access to and browsing on the App implies the express and unreserved acceptance of these Terms and Conditions. 3.3. The acceptance of and compliance with the Terms and Conditions will be compulsory for any User accessing, browsing or using the App. If you do not agree with these Terms and Conditions, please do not use the App. #### 4. USER CONDITION 4.1. In order to be able to use the App and, therefore, benefit from the Unconditional Basic Income, it will be necessary to register the Beneficiary’s Valora account number. 4.2. To create a User account on the Valora App, please refer to the requirements specified directly by Valora. The impactMarket App doesn’t have access to the User’s personal information included in Valora. #### 5. PROCEDURE FOR RECEIVING THE UNCONDITIONAL BASIC INCOME 5.1. As previously stated, in order to become a beneficiary and receive the Unconditional Basic Income, it is necessary to be registered by a community manager in an existing community on the App. For that purpose, please note that the inclusion is up to the community manager according to the specific strategy and requirements of each community. Only individuals can benefit from the UBI. 5.2. Being a valid Beneficiary, if you wish to receive the monetary amount that you are entitled to, you should inform your Valora’s account number, where the UBI designated is deposited every time you claim through the impactMarket’s App. The smart contract parameters amount per claim, frequency of claiming, total amount per beneficiary and time increment per claim are predefined when the community is created and can’t be changed after all. When you are a beneficiary, what you will receive is exactly what was defined when the community you are part of was created. 5.3. Once you become a beneficiary, you can benefit from the UBI until you claim the total amount designated to you in the community’s smart contract. After receiving the total amount, you can’t be added again as a beneficiary of any community in impactMarket’s App. The community manager has the right to remove you as a beneficiary from the community, and if so, you won’t have the right to benefit from the UBI related to the community's smart contract anymore. #### 6. PRICES & OTHER FEES 6.1 In order to benefit from the Unconditional Basic Income distributed by the impactMarket APP, the beneficiary will not have to incur any costs. #### 7. RIGHT TO WITHDRAW 7.1. The website and app User acknowledges and assumes, for all legal purposes, that the contract will be executed immediately. Accordingly, the User consents and recognizes he/she does not benefit from the right to withdraw from the contract concluded through the App or Website. #### 8. RULES OF USE OF THE APP 8.1. Access to or use of the App for illegal or unauthorized purposes is not permitted and, because of this, the consequences will be the exclusive responsibility of the User; more specifically, the following are prohibited, on an enunciative but not limitative basis: * The use of the App for the transmission, installation or publication of any virus, malicious code or other harmful programs or files. * Accessing, without authorization, any section of the App, other connected systems or networks or the services offered through the App, by means of hacking, forgery, password extraction or any other illegitimate means. * Violating or attempting to bypass the security or authentication measures of the App or any connected network, or the security and safety measures inherent in the content offered on the App. * Perform any action that causes a disproportionate, unwarranted and unnecessary saturation in the infrastructure of the App or the App’s network systems, or prevent the normal development of an event, contest, promotion or any other activity available through the App or any of its functionalities, either by altering or attempting to alter, illegally or otherwise, access, participation or operation, falsifying the result and/or using fraudulent participation methods, by any procedure, and/or by any practice that violates these Terms and Conditions in any way. 8.2. The User who does not comply with the conditions set out in this clause will be liable for any claim for damages that may occur as a result. Even if there is no third party claim, impactLabs reserves the right to prevent access to the App to Users who violate these conditions. #### 9. INTELLECTUAL PROPERTY 9.1. The User acknowledges and accepts that all trademarks, commercial names or logos, as well as any other intellectual property rights on the content, products and/or any other elements concerning the App are the exclusive property of impactLabs (hereinafter "impactLabs Intellectual Property"). 9.2. The App as a whole and multimedia artistic work is protected as copyright under applicable law. 9.3. It is also prohibited to remove, ignore or manipulate the copyright or other notices of impactLabs, as well as the technical protection devices or any information/ protection mechanisms that may contain the content. 9.4. Except as otherwise agreed upon, we hereby grant you a limited, nonexclusive, non-sublicensable license to access, install, and use the App solely for personal and noncommercial purposes, conditioned on your compliance with these Terms. 9.5. You will not use, copy, adapt, modify, decompile, reverse engineer, disassemble, decrypt, attempt to derive the source code of, prepare derivative works based upon, distribute, license, sell, rent, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Software and Content, except as expressly permitted by us or as permitted under applicable law. 9.6. Any unauthorized use of the App is strictly prohibited and will terminate the license granted in these Terms. 9.7. No licenses or rights are granted to you by implication or otherwise, except for the licenses and rights expressly granted to you. #### 10. PERSONAL DATA The processing of personal data carried out by impactLabs complies with current data protection legislation, namely Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data ("General Data Protection Regulation") and other applicable EU and national legislation. For further information, please consult our Privacy Policy. 11\. LIABILITY 11.1. The parties undertake to fulfil their legal and contractual obligations generated by virtue of this contract. If one party fails to fulfill any of its obligations or prevents the fulfillment by the other party, the other party will have the right to claim damages, both for damages and consequences for loss of profits. 11.2. The parties shall be liable for any breaches that may have occurred intentionally, the other party being indemnified for any error, fault or negligence not attributable to it, and for any damage arising from said breaches or errors attributable to the other party.\ 11.3. You acknowledge and agree that impactLabs does not warrant or is otherwise liable for, including, but not limited to, the following: * Continuity of the content of the App; * Absence of viruses and/or other harmful components on the App or the server that hosts it; * The invulnerability of the App and/or impossibility of violating the security measures adopted; * Bad transmission and/or reception of any data and/or information on the internet; * Failure of any receiving material or communication lines; * Any dysfunction in the internet network, which prevents the correct functioning of the App and/or the correct development of the services; * The lack of usefulness or performance of the App; * Damage caused to you or any third party, by any person infringing the conditions, rules and instructions impactLabs sets out on the impactMarket App or through the violation of its systems; * Any consequences in the performance of the App’s services derived from false or incomplete information provided by the user; 11.4. impactLabs will not be responsible for any damage caused to the User's computer software or equipment during the use of the App, nor for any damage or loss of any kind produced to the user that is derived from failures or disconnections in telecommunications networks, which produce the suspension, cancellation or interruption during the provision of the service. 11.5. impactLabs will use all commercial and technical efforts at its disposal to keep its services available through the App, which is an obligation that, however, does not apply to any lack of availability or performance caused by causes beyond impactLabs’ control, force majeure, internet access problems, technological problems. 11.6. In any case, impactLabs reserves the right to suspend, modify, restrict or interrupt, temporarily or permanently, access, navigation, use, hosting and/or downloading of content and/or use of the App’s services, with or without prior notice, for Users who violate any of the provisions detailed in these Terms and Conditions, without the User being able to claim compensation for this cause. #### 12. CANCELLING A USER'S ACCOUNT 12.1 .impactLabs has no access to manage users (which includes adding or removing users), community managers and beneficiaries, from any community. 12.2.Beneficiaries can be removed at any time from a community’s smart contract by the community managers in charge and impactLabs has no influence or action in this decision. 12.3. A community manager can be removed by other community managers from the same community, and impactLabs can’t influence it or control it as well. #### 13. MODIFICATION OF CONDITIONS impactLabs reserves the right to make changes to the Terms and Conditions at any time. Such changes will be communicated to the customer via e-mail 20 days before the new Terms and Conditions come into force. If you do not accept the new terms you should delete your user account and your continued use of the App will be considered as acceptance of the new Terms and Conditions. 14\. APPLICABLE LAW AND JURISDICTION 14.1. These Terms and Conditions, as well as the pre-contractual relationship are governed by Portuguese Law. 14.2. Any dispute that may arise between the contracting parties regarding the interpretation or execution of these Terms and Conditions of Use will be under the responsibility of the Courts of Lisbon. 14.3. The User may resort to the entities for alternative resolution of consumer disputes listed at the Consumer Portal at , where the User may consult the identification of said entities and their respective contacts in a dynamic and updated manner, or the European Online Dispute Resolution Platform, available at . The User may submit complaints and report errors submitting a ticket through the dedicated page . # Privacy Policy ImpactLabs (hereinafter referred to as "impactLabs" and further identified below), owner and operator of the "impactMarket App" for mobile devices compatible with the [**iOS**](https://apps.apple.com/app/impactmarket/id1530870911) or [**Android**](https://play.google.com/store/apps/details?id=com.impactmarket.mobile) system (hereinafter the "App") and the “impactMarket website” (hereinafter the "Website"), is determined to ensure to the users and potential users of the App, not only full compliance with all legal obligations but also the maximum privacy of your personal data and the security of the transactions performed through the App, in accordance with the best practices available in the market. For due and legal purposes, you can find the full identification and contact details of the entity in charge of processing personal data below: * Name: Marco Paulo da Silva Barbosa; * Company's registration number: NIPC 516228293; * Headquarters and postal address: Rua Irmãs Missionárias do Espírito Santo, n°37, 4715-213 Braga, Portugal Commercial Registry Office; * Company's email address: ; * Contact details of the Data Protection Officer: . #### The processing of personal data through the website will be carried out under the following terms: #### 1. Data controller ImpactLabs is the entity Responsible for the Prossessing of the personal data provided by the App users, hereinafter referred to as “the Controller”. #### 2. Purposes and legal grounds of the personal data treatment Depending on the App functionalities you use, your personal data may be processed for different purposes. These purposes and the applicable legal grounds are set out below: * Marketing communications; * Within the scope of the operation of our App, and in order to be able to provide you with our services, we will process the personal data that you decide to provide us with for the following purposes: \- Execution of the service provision contract concluded with the data subject; \- Creation of your user profile; \- Subscription upon reception of a donation. (...) \- In relation to the purposes mentioned herein, the legal basis applicable to the procesing of your personal data is the execution of a contract to which the data subject is party and the fulfilment of legal obligations to which we are bound, since the processing of such personal data is essential for the execution of the contract in question. * For the purpose of responding to requests, enquiries or complaints, we process your personal data on the legal basis of our legitimate interest in providing you with a personalised, quality service, managing complaints and, where applicable, carrying out the necessary pre-contractual procedures at your request. Our App uses Blockchain technology, and as such your personal data will be stored in interconnected blocks. For this reason, such data will necessarily continue to be processed even after the expiry of the legal basis applicable in each case, based on our legitimate interest in maintaining the integrity of the platform. However, we have no intention of accessing or using your personal data after the expiry of the legal basis that gave us the legitimacy to process it in the first place. We will not attempt to use your personal data to inform any decision in respect of any individual or in a manner that affects the individual in any way. We will not intentionally give access to such data to any third party and we undertake to delete such data as soon as possible, provided that this does not compromise the integrity of the platform. #### 3. Time for which we store your personal data The time for which we store your personal data may vary depending on the purpose for which it is processed. We will keep your personal data for the following periods: * Sending marketing communications: until you exercise your right to object or revoke your consent, whichever is applicable. * For purposes associated with the App: \- for as long as necessary to ensure full performance of the contract entered into with you; \- during the applicable legal time limits. * For the provision of technical assistance and for the purpose of responding to requests, enquiries or complaints: \- for as long as necessary to ensure full performance of the contract concluded with you; \- during the applicable legal time limits. Such data will necessarily continue to be processed, even though in a very restrictive manner, after the expiry of the legal basis applicable in each case, based on our legitimate interest in maintaining the integrity of the platform. #### 4. Transmission of personal data We may communicate your personal data to third parties for the purpose of complying with the legal obligations applicable in each case or where necessary to provide the services to be contracted. Where the processing of personal data is carried out through external service providers, who act as processors, we follow strict criteria in the selection of service providers in order to comply with their data protection obligations and we undertake to sign a data processing agreement with them. #### 5. Rights of the data subject As a data subject you have the following rights in relation to the processing of your personal data: * **Access**: You may obtain information on whether we are processing your personal data, as well as consult your personal data included in files of this company. * **Rectification**: You may change your personal data when it is incorrect as well as complete those that are incomplete. * **Erasure**: You may request the erasure of your personal data when, among other reasons, the personal data is no longer necessary for the purposes for which it was collected. * **Objection:** In certain situations you may request that your personal data is no longer processed. We will stop the processing of your personal data unless there are legitimate reasons or for the establishment, exercise or defense of rights in an administrative, judicial or extrajudicial procedure. * **Limitation of processing**: You may request the limitation of the processing of your personal data in the following situations: (a) while contesting the accuracy of your personal data; (b) when the processing is unlawful and you have objected to it and requested the limitation of the use of your personal data; (c) when we no longer need to process your personal data, but you need it for the exercise or defense of rights in an administrative, judicial or extrajudicial procedure; (d) when you have objected to the processing of your personal data for compliance with an obligation of public interest or for the fulfilment of a legitimate interest, as long as these legitimate grounds for the processing are found to outweigh your grounds. * **Portability**: In certain situations you will be entitled to receive, in a structured, commonly used and machine readable format, the personal data you have made available to us and those obtained from your relationship with us, as well as to transmit them to another entity. If you have any questions or wish to exercise these rights, you may contact us at . To exercise your rights, if necessary, we may ask you to provide proof of identity. You should also indicate the right you wish to exercise. The exercise of your rights is free of charge, except in the case of a manifestly unfounded, excessive or repeated request. Finally, we note that you may lodge a complaint with the competent supervisory authority (Comissão Nacional de Proteção de Dados) through the website [www.cnpd.pt](http://www.cnpd.pt). # Terms and Conditions of impactMarket’s $PACT Token IDO #### 1. GENERAL TERMS AND CONDITIONS of IMPACTMARKET’s $PACT Token IDO 1.1. These Terms and Conditions govern the impactMarket’s $PACT Token IDO, i.e. the execution of the buyer’s orders in relation to the purchase $PACT Tokens and the rights and obligations of the buyer and impactMarkets arising from the acquisition of $PACT Tokens. 1.2. Furthermore, these Terms and Conditions define the rights and obligations of the impactMarkets and the buyers of $PACT Tokens in relation to the access, use or other interactions with the Platform, including for the purpose of performing certain functionalities using the $PACT Tokens. 1.3. In these Terms and Conditions, and unless the context clearly indicates otherwise, the terms indicated below shall have the meanings that are attributed to them hereunder. Expressions used in the singular include the plural, and vice-versa. **Accompanying Documents:** means other documents issued by impactMarkets and provided to the Token Holder in connection with the impactMarket’s $PACT Token IDO.
**Affiliates:** means, with respect to any specified person, any director, officer, partner, member, authorized representative, agent or employee of such person and any other Person that, directly or indirectly, through one or more intermediaries, controls, is controlled by, or is under common control with, such specified person, and for purposes of this definition "control” (including, with correlative meanings, the terms, "controlled by” and "under common control with”), as used with respect to any person, means the possession, directly or indirectly, of the power to direct or cause the direction of this management or policies of such person, whether through the ownership of voting securities, by contract or otherwise. **Applicable Law:** means all laws, rules, regulations and guidance, codes and requirements applicable, as appropriate, to the Token Holder, to impactMarket, to these Terms and Conditions, to the $PACT Tokens and any and all relations between the Token Holder and impactMarkets; **IDO:** the initial sale in Polkastarter of 150M $PACT tokens (1.5% of total supply) to Token Holders under the present Terms and Conditions. **impactMarket**: impactLabs, with registered office in Rua Irmãs Missionárias do Espírito Santo, n°37, 4715-213 Braga, Portugal, bearer of the Portuguese tax payer number 516228293, email: . **$PACT Token:** a cryptographic utility token that is designed to be used on the Platform, under these Terms and Conditions and the Terms & Conditions of the Platform. **Platform:** i.e., a decentralized financial infrastructure (DeFi) available for web and app (iOS and Android), for projects and causes of social impact and individuals without access to banking institutions and few financial resources. The objective is to empower people, social solidarity institutions, and impact companies through UBI (Unconditional Basic Income) contracts to manage and distribute monetary funds based on blockchain technology, greater transparency, efficiency, and access finance, intending to end extreme poverty by 2030. **Token Holder (or buyer)**: a person participating in the IDO in order to become a buyer and thus an owner of the $PACT Token as provided for under these Terms and Conditions; Terms and Conditions: means these Terms and Conditions, as may be amended from time to time. #### **2.** PURCHASE LIMITATIONS 2.1. Not all persons are permitted to participate in the impactMarket’s $PACT Token IDO. Besides, the rules and regulations of the country in which the Token Holder resides, of which the Token Holder is a citizen, or in which the Token Holder has tax residency, as such country or territory may not permit the Token Holder to invest in cryptocurrencies of any kind and/or particularly the initial offerings of cryptocurrencies. 2.2. The impactMarket’s $PACT Token IDO is only intended for sophisticated purchasers who are knowledgeable and experienced in cryptocurrencies, blockchain and protocols. By purchasing, holding, or using the impactMarket’s $PACT Token IDO, the buyer acknowledges that transactions using cryptocurrencies (including cryptographic tokens) may be inherently unstable and agrees to accept all risks in connection therewith, and agrees that impactMarkets shall not liable for any loss that the Token Holder may suffer or incur, and further acknowledges, accepts and assumes the risks mentioned in clause 6 of these terms and Conditions and in the Accompanying Documents. 2.3. $PACT Tokens are intended to be marketed, offered and sold to persons only in those jurisdictions and to those persons where and to whom they lawfully may be offered for sale and for use (but excluding any prohibited jurisdiction, as further described below) (the "Permitted Jurisdictions”). 2.4. The marketing, issuance, offering and sale of $PACT Tokens is expressly being made in the permitted jurisdictions on the basis that $PACT Tokens do not constitute a security, financial instrument or other regulated investment or financial product in those jurisdictions such that a prospectus or other disclosure requirements and other investor safeguards and regulatory documents or licensing that are typically required in connection with a securities offering will not apply to the marketing, issuance, offering and sale of $PACT Tokens in the permitted jurisdictions. ImpactMarket is not licensed, registered or otherwise regulated in the permitted jurisdictions in relation to the marketing, issuance, offering and sale of $PACT Tokens. 2.5. The $PACT Tokens do not represent an equity, commodity or any other investment instrument. $PACT Tokens are not securities and shall not in any case be considered as such and the offer of $PACT Tokens has not been registered with any government entity or regulatory authority. The Token Holder acknowledges and agrees that $PACT Tokens do not represent any share, stake, debt or security or equivalent rights in impactMarkets. Holders of $PACT Tokens are only entitled to a limited and functional right to use them in connection with the Platform developed and/or operated in accordance with its Terms and Conditions. 2.6. ImpactMarket reserves the right to cancel any $PACT Tokens purchase at any time in impactMarkets’s sole discretion and without prior notice and without any liability or further obligation of any kind whatsoever to the Token Holder or any other party, in the event impactMarkets finds such measures reasonable and/or necessary in a particular situation, including, but not limited to, change of regulatory requirements, or upon suspicion or detection that the Token Holder does not primarily reside or is not domiciled in a permitted jurisdiction or are engaged in fraud. 2.7. Certain jurisdictions expressly prohibit or restrict the offer, sale and/or purchase of cryptocurrencies and/or cryptographic tokens, while other jurisdictions may require impactMarkets and/or the $PACT Tokens to be licensed, registered, authorised or otherwise regulated. Some other jurisdictions have or may have been excluded from the impactMarket’s $PACT Token IDO for other reasons, as determined by impactMarkets in its sole discretion. Persons (natural or legal) who are a resident or tax resident, have a domicile in, hold a green card of, or otherwise have a relevant connection with Belarus, the Central African Republic, the democratic republic of Congo, the Democratic People’s Republic of Korea, the Crimea Region of Ukraine, Cuba, the People’s Republic of China, Iran, Libya, Somalia, Sudan, South Sudan, Syria, the United States of America, Yemen, Zimbabwe or any other jurisdiction in which such activities is prohibited are excluded from participating in the impactMarket’s $PACT Token IDO and possessing and using a $PACT Tokens (each such territory, a "Prohibited Jurisdiction”). 2.8. $PACT Tokens may not be marketed, offered or sold directly or indirectly to any residents in or citizens/nationals of the Prohibited Jurisdictions and neither these Terms and Conditions nor any Accompanying Documents may be supplied to any residents in or citizens/nationals of the Prohibited Jurisdictions, or used in connection with the offer or sale of $PACT Tokens to residents in or citizens/nationals of the Prohibited Jurisdictions. The information contained in these terms and/or any Accompanying Documents will not constitute an offer to sell or an invitation, advertisement or solicitation of an offer to buy any $PACT Tokens within a Prohibited Jurisdiction. For the avoidance of doubt, the list of prohibited jurisdictions may be changed from time to time, irrespective of the awareness of impactMarkets and relevant amendments may be made to these terms. The Token Holder is only permitted to use the Platform and to purchase $PACT Tokens if the Token Holder primary residence or domicile is not in one of the Prohibited Jurisdictions. To the extent a resident from a prohibited jurisdiction attempts to enter into these terms, such purported participation is void and of no force or effect. Persons without legal capacity (notably, under the age of eighteen (18)) are not permitted to participate in the impactMarket’s $PACT Token IDO. #### 3. OBJECT 3.1. These Terms and Conditions and the Platform Terms and Conditions are effective and binding on the Token Holder, and the covenants, representations and warranties provided for in these Terms and Conditions and repeated, each time the Token Holder uses $PACT Tokens or use or access the Platform, or use or access any software impactMarkets provides access to on or through the Platform. 3.2. The Token Holder shall not participate in the IDO or access or use the Platform if the Token Holder is prohibited from participating, using or accessing it under the Applicable Law and/or law of the Token Holder country of residence (or tax residence) or country of nationality. If the Token Holder is in any manner limited or prohibited from the purchasing, possessing, transferring, using or otherwise conducting a transaction involving any amount of $PACT Tokens under Applicable Law or country of nationality, the Token Holder is prohibited from accessing, referencing, engaging, or otherwise using the Platform, including for the purchase of any $PACT Tokens. 3.3. ImpactMarket may change, modify, amend, alter or supplement these Terms and Conditions (each an "Amendment”) at any time in order to reflect (i) changes to any laws or regulations that may be, or which may otherwise become, applicable to the $PACT Tokens, (ii) any developments that may otherwise reasonably be capable of making a materially adverse effect on the $PACT Tokens or their offering by impactMarkets; or (iii) as impactMarkets may in good faith deem advisable to protect the reputation of impactMarkets or the effective operation of the Platform. 3.4. The Token Holder continued use of the Platform and of the $PACT Tokens after any such Amendment shall constitute the Token Holder consent to such Amendment and acceptance of the amended Terms (including the Accompanying Documents). If impactMarkets changes, amends, modifies, alters or supplements these Terms and Conditions (including any of the Accompanying Documents), impactMarkets shall publish on its website such amended version of these Terms and Conditions and/or the Accompanying Documents reflecting such Amendment to the Platform. The date of the most recent Amendment will be indicated at the top of the Terms or the relevant Accompanying Document. The revised Terms and Conditions will be effective upon the Token Holder subsequent use of the Platform after date of such posting. The Token Holder waives any right the Token Holder may have to receive specific notice of such changes or modifications. If the Token Holder does not agree to the Terms and Conditions in effect when the Token Holder access or use the Platform, the Token Holder must stop using the Platform. 3.5. These Terms and Conditions, the Platform Terms and Conditions, the Platform, and all content herein, therein or thereon, do not constitute an offer or solicitation to sell shares, securities or any other regulated financial product. None of the information or analyses presented herein, therein or thereon are intended to form the basis for any investment decision, and no specific recommendations are intended, and the Platform are not, do not offer, and shall not be construed as an investment or financial product. 3.6. Subject to Applicable Law, impactMarkets reserves the right, in its sole discretion, to refuse to deliver the $PACT Tokens the Token Holder has purchased, and/or modify or to temporarily or permanently suspend or eliminate the Platform (or any part thereof) and/or disable any access to the Platform (including via use of the $PACT Tokens), including disabling or terminating access to the Token Holder Account or for any Person attempting access to the Platform from the Token Holder internet protocol address (for example, where there is a change in Applicable Law or where impactMarkets suspects that the Token Holder is engaging in illegal activities in connection with the Token Holder use of the Platform). 3.7. Where impactMarkets (i) makes any material Amendment to the Terms and Conditions prior to the delivery to the Token Holder of the $PACT Tokens that the Token Holder has purchased pursuant to the $PACT Tokens Sale; (ii) cancels or terminates the agreement prior to the delivery to the Token Holder of the $PACT Tokens that the Token Holder has purchased pursuant to the $PACT Tokens Sale; or (iii) refuses to deliver to the Token Holder the $PACT Tokens the Token Holder has purchased pursuant to the $PACT Tokens Sale, the Token Holder may request impactMarkets to provide a refund to the Token Holder. Upon such written request, impactMarkets will, subject to Applicable Laws endeavor to provide a refund to the Token Holder as soon as practicable. Where the Token Holder request is made pursuant to the circumstance in (i), impactMarkets is only obliged to provide a refund if such request is made prior to applicable Amendment taking effect. #### 4. PURCHASE OF $PACT TOKENS 4.1. In order to purchase the $PACT Tokens through impactMarkets’ Polkastarter IDO, the purchaser shall comply at all times the terms and conditions of Polkastarter and the requirements, including whitelisting, price and period of sale, disclosed in Polkastarter website and any Accompanying Documents. 4.2. 9By acquiring the $PACT Tokens, the Token Holder acquires the ownership of token recorded in the blockchain, and the right to assign such token to a subsequent acquirer, which, under the Terms and Conditions of the Platform, shall entitle the owner to certain utilities when interacting with the Platform, such as:\ (i) Voting power delegation. Any Token Holder can delegate voting power to themselves, someone they trust, or key participants of the protocol impactMarket, with the ability to influence the future direction and growth of the impactMarket protocol. Those with the most delegated voting power can be considered impactMarket Ambassadors. (ii) Communities’ verification and validation. Each new UBI community will be submitted as a proposal and reviewed by Token Holders, who can vote for its approval. Verified communities are able to request funding directly from the DAO (Decentralised Autonomous Organisation); 4.3. In any case, the Token Holder acknowledges that $PACT Tokens shall have no intrinsic economic value associated and do not represent any financial claim against the issuer, such as a right to income (for example, profit or interest). #### 5. REPRESENTATIONS, WARRANTIES AND UNDERTAKING 5.1. The Token Holder represents and warrants that: (iii) The Token Holder has legal capacity in the jurisdiction where the Token Holder is a resident and is able to agree and enter into these Terms voluntarily and meet all other eligibility and residency requirements, including: a. the Token Holder has full power, authority and capacity to comply with these Terms; and the b. Token Holder enters into these Terms and Conditions based on the Token Holder own independent judgement and on advice from independent advisers (as applicable). c. the Token Holder is fully able and legally competent to access and use the Platform and as well as to enter into and comply with these Terms and Conditions; d. the Token Holder will not violate any Applicable Law or any other agreement to which the Token Holder is a party by entering into these Terms and Conditions or to comply with these Terms and Conditions, including all conditions, obligations, affirmations, representations and warranties set forth herein; e. the Token Holder has all necessary and relevant experience and knowledge to interact or transact with cryptocurrencies, cryptographic tokens, the Platform, and blockchain-based systems, has a full understanding of the relevant frameworks of the foregoing, and has obtained sufficient information about impactMarkets, the Platform and $PACT Tokens to enter these Terms, and in particular the Token Holder has carefully and thoroughly read these Terms and Conditions and the Accompanying Documents; f. the Token Holder is aware of all the merits, risks and any restrictions associated with cryptocurrencies, cryptographic tokens, blockchain-based systems, and accept responsibility for evaluating purchasing or using the foregoing; g. neither the Token Holder nor any of the Token Holder Affiliates is a Prohibited Person, nor have the Token Holder or any of the Token Holder Affiliates engaged in any dealings or transactions with any Prohibited Persons; h. the Token Holder is not at any time during the period of sale a citizen or permanent resident of and do not make the Token Holder transactions from the United States or any of its territories, including Puerto Rico, the U.S. Virgin Islands and other possessions of the United States (including, for the avoidance of doubt, a Person of dual or multiple nationalities who holds a U.S. passport); i. the Token Holder is not a resident or tax resident of, is not domiciled in, and does not otherwise have any relevant connection with a Prohibited Jurisdiction or any jurisdiction in which entry into or performing the Token Holder obligations under these Terms or the delivery, holding, use or exchange of $PACT Tokens is unlawful or restricted in any material way or requires licensing, registration or approval of any kind (irrespective of whether use of a virtual private network or other technical workaround to effect such transaction and avoid detection within a Prohibited Jurisdiction enabled the Token Holder to obtain a $PACT Tokens); j. neither the Token Holder nor any Person who controls the Token Holder or any Person for whom the Token Holder is acting as an agent or nominee, as applicable, resides in, is a national or agent of, or transfers funds from or through an account in a Non-Cooperative Jurisdiction, including but not limited to Cuba, Crimea, Iran, North Korea, Pakistan, Sudan, Syria, Vietnam, or any other country to which the United States, the United Kingdom or the European Union embargoes goods or imposes similar sanctions; k. the Token Holder will not access or use the Platform if any Applicable Laws prohibit the Token Holder from doing so in accordance with these Terms; l. the Token Holder is not using and will not use the Platform or $PACT Tokens for any illegal or unlawful activity, including, but not limited to, money laundering and the financing of terrorism; m. the Token Holder has not entered or agreed to enter into these Terms in reliance of any warranty or representation except those specifically set forth in these Terms; n. the funds the Token Holder uses to purchase $PACT Tokens are not the proceeds of any criminal, unlawful or illegal activity or money laundering or terrorist financing activity, each as interpreted in the broadest terms; o. the $PACT Tokens the Token Holder purchase will not be used to facilitate any criminal, unlawful or illegal activity or to perform any money laundering or terrorist financing activity, each as interpreted in the broadest terms or otherwise in contravention of any Applicable Laws; and (iv) and the Token Holder does not seek to purchase $PACT Tokens for any unlawful purpose, and in particular that: a. the Token Holder purchases the $PACT Tokens only for the purposes expressly set out and permitted by these Terms and Conditions; b. the Token Holder purchases the $PACT Tokens without any expectation of profit, dividend, capital gain, financial yield or any other return, payment or income of any kind; c. the Token Holder participation in connection with any initiatives with the $PACT Tokens Sale, such as bonuses or air drops (if these are implemented at impactMarkets’s sole discretion), is lawful; d. and all information given by the Token Holder is true, complete, valid and not misleading in any respect. (v) Within the scope of the Terms and Conditions, impactMarkets does not act as a financial consultant of the Token Holder, and nothing in the relationship established by this agreement or in any communication of impactMarkets in this regard can be interpreted as configuring the obligation to provide, or the provision of, investment advice or recommendations. 5.2. The Token Holder undertakes and agrees not to: (i) violate or assist any Person or entity in violating any law, statute, ordinance, regulation or any rule of any self-regulatory or similar organization; (ii) provide false, inaccurate, incomplete or misleading information to impactMarkets; (iii) take or attempt to take any action or claim ownership of any property that infringes or would infringe upon: (A) impactMarket’s intellectual property interest in and to the Platform, or (B) any third party’s copyright, patent, trademark, or other intellectual property rights; (iv) distribute unsolicited or unauthorized advertising, promotional or marketing material or any junk mail, spam, or chain letters; (v) reverse engineer or disassemble any aspect of the Platform for any purpose, including but not limited to, in an effort to access any source code, object code, underlying ideas and concepts, and algorithms; (vi) take any action that imposes an unreasonable or disproportionately large burden or load on impactMarkets’s infrastructure (including, but not limited to, servers, networks, data centers and related or like equipment), or detrimentally interfere with, intercept, or expropriate any system, data, or information of impactMarkets; (vii) transmit or upload any material to the Platform that contains viruses, Trojan horses, worms, or any other harmful or deleterious programs; (viii) attempt to gain unauthorized access to the Platform, other systems of impactMarkets, computer systems or networks connected to the Platform, including through password mining or any other means; (ix) or transfer any rights granted to the Token Holder under these Terms. 5.3. The Token Holder further represents and warrants that any funds the Token Holder use to purchase $PACT Tokens in the $PACT Tokens Sale are in each case the Token Holder own property. 5.4. The Token Holder acknowledges and agrees that impactMarkets enters into these Terms with the Token Holder in reliance on the representations and warranties provided for in this Section. #### 6. RISKS OF $PACT TOKENS AND LIMITATIONS OF LIABILITIES 6.1. The Token Holder understands and acknowledges that $PACT Tokens, blockchain-based technologies and other associated and related technologies are not exclusively (or, as appropriate, at all) controlled by impactMarkets and adverse changes in market forces or the technology, broadly construed, may prevent or compromise impactMarkets’s performance under these Terms. As such, the purchase of $PACT Tokens carries with it a number of risks. Prior to purchasing $PACT Tokens, the Token Holder should carefully consider the risks listed herein and, to the extent necessary, consult an appropriate lawyer, accountant, or tax professional. If any of the risks associated with purchasing and holding of $PACT Tokens is unacceptable to the Token Holder, the Token Holder should not purchase $PACT Tokens. 6.2. ImpactMarket is subject to all of the business risks and uncertainties associated with any new business, including the risk that impactMarkets will not achieve its technological or operational objectives, which could result in a substantial decline in the utility of the $PACT Tokens. Before deciding to purchase the $PACT Tokens, the Token Holder should consider the risks and difficulties frequently encountered by early-stage companies that are similar to impactMarkets and operate in new and rapidly evolving markets, particularly those companies whose businesses depend upon developing new technologies and that rely on the internet and blockchain-based technology. These difficulties include, among others, the ability to: (i) generate or increase revenues and manage costs; (ii) increase awareness of impactMarkets; (iii) offer compelling products or demonstrate utility; (iv) secure adoption and/or market saturation; (v) maintain current and develop new strategic relationships; (vi) respond effectively to competitive pressures; (vii) develop and upgrade technology; (viii) attract, retain and motivate qualified personnel; and (ix) raise additional capital. 6.3. ImpactMarket may be subjected to a variety of cyberattacks from time to time. Such attacks could result in the disruption of hardware and software systems, loss, misuse, misappropriation and corruption of data and information, including proprietary information or personal data, interruption of Seller operations, and lost competitive advantages, any of which could have a material adverse effect on impactMarkets’s business and ability to meet its strategic, operational and technological objectives. Any breach of data security that exposes or compromises the security of impactMarkets, the Platform and its assets, including any private digital keys linked to funds generated through this Offering could result in significant losses that materially impair impactMarkets’s ability to operate on a go-forward basis and adversely impact the value and utility of the $PACT Tokens. 6.4. Information that the Token Holder store or transfer through the Platform may become irretrievably lost or corrupted or temporarily unavailable due to a variety of causes, including software failures, protocol changes by third party providers, internet outages, force majeure events, or other disasters, including third party distributed denial of services attacks, scheduled or unscheduled maintenance, or other causes either within or outside of impactMarkets’s control. The performance of impactMarkets is subject to the following uncertainties, among others: (i) worldwide growth in the adoption and use of blockchain technologies; (ii) government and quasi-government regulation of blockchain assets and their use, or restrictions on or regulation of access to and operation of blockchain networks or similar systems; (iii) the maintenance and development of the open-source blockchain protocols and networks, and the effectiveness of the informal groups of (often uncompensated) developers that contribute to the protocols that underlie the networks; (iv) disputes among the various developers or validators of the networks; (v) the effectiveness of network consensus mechanisms to effectively secure the networks against confirmation of invalid transactions; (vi) the failure of cybersecurity control or other security breaches of the networks; (vii) the existence of undiscovered technical flaws in the networks; (viii) the costs associated with performing transactions on different networks or using different protocols; (ix) the development of new or existing hardware or software tools or mechanism, including advances in quantum computing; (x) changes in consumer demographics and public tastes and preferences; (xi) the availability and popularity of other forms or methods of buying and selling goods and services, or trading assets including new means of using fiat currencies or existing networks; (xii) general economic conditions and the regulatory environment relating to cryptocurrencies; (xiii) hacking and theft of cryptocurrencies and tokens; (xiv) popularity or acceptance of the cryptocurrency networks and the emergence of new cryptocurrencies and blockchain networks; (xv) and unfavorable developments in any of the above circumstances, or like circumstances, could adversely affect impactMarkets’s business and the value or utility of the $PACT Tokens. 6.5. It is possible that due to a number of reasons outside of impactMarkets’s control, including but not limited to, changes in regulatory or intellectual property law, technological advancements, decreases in token or cryptocurrency or cryptographic token utility, social or economic reforms, the failure of commercial relationships, or the malfunction, breakdown or abandonment of the protocol, impactMarkets, blockchain-based technology and other related technologies may dissolve, disappear, be abandoned or otherwise no longer operate, or operate with material impairments. 6.6. The market value of cryptocurrencies (and, therefore, the potential market value of $PACT Tokens) may go up or down, and the market value of cryptocurrencies have demonstrated extreme volatility. Any cryptographic tokens may not have market value. The Token Holder should expect fluctuations, both down and up, in the market value (if any) of $PACT Tokens that the Token Holder purchase, if any, and such fluctuations may be extremely volatile, including price crashes (including to zero value) that may occur in the event of political or economic crises that cause a large-scale sell-off of $PACT Tokens. In addition, there may not be a market for resale of $PACT Tokens or exchanging $PACT Tokens for fiat currencies, and impactMarkets cannot and does not guarantee market liquidity for $PACT Tokens or the ability to exchange $PACT Tokens for fiat currencies by purchasers of $PACT Tokens. In the event that the $PACT Tokens are listed on an exchange or may be transferred through other means in accordance with applicable law, the potential market value of the $PACT Tokens may be subject to drastic fluctuations and extreme volatility. Therefore, the price at which the Token Holder purchase the $PACT Tokens may not represent an accurate valuation of the $PACT Tokens. Further, there is no guarantee of market liquidity for the $PACT Tokens or the ability to exchange the $PACT Tokens for equal value in fiat currency. If the $PACT Tokens are permitted to be bought, sold, or transferred in accordance with applicable law, several factors may cause a decrease in the price and value of the Token Holder $PACT Tokens, including, but not limited to: (i) global cryptocurrency supply; (ii) global cryptocurrency demand, which can be influenced by the growth of retail merchants’ and commercial businesses’ acceptance of cryptocurrencies as payment for goods and services, the security of online cryptocurrency exchanges and digital wallets that hold cryptocurrencies, the perception that the use and holding of cryptocurrencies is safe and secure, and the regulatory restrictions on their use; (iii) any software "fork” initiated by third party groups or individuals involved in blockchains related to cryptocurrencies to create a new version of such cryptocurrencies, which may alter the economics of the cryptocurrencies and affect the value of the cryptocurrencies in the market; (iv) $PACT Tokens holders’ expectations with respect to the rate of inflation; (v) changes in the software, software requirements or hardware requirements underlying a blockchain network; (vi) changes in the rights, obligations, incentives or rewards for the various participants in a blockchain network; (vii) interest rates; (viii) fiat currency withdrawal and deposit policies of cryptocurrency exchanges and liquidity on such exchanges; (ix) interruptions in service from or failures of major cryptocurrency exchanges; (x) investment and trading activities of large investors, including private and registered funds, that may directly or indirectly invest in cryptocurrencies; (xi) the existence and popularity of cryptocurrency derivative products; (xii) monetary policies of governments, trade restrictions, currency devaluations and revaluations; (xiii) regulatory measures, if any, that affect the trading of cryptocurrencies; (xiv) the maintenance and development of the open-source software protocols for cryptocurrencies and related networks; (xv) global or regional political, economic or financial events and situations; (xvi) and expectations among market participants that the value of cryptocurrencies will soon change and the willingness of market participants to continue to acquire, own, hold, and trade cryptocurrencies and convert fiat currencies to cryptocurrencies. 6.7. The $PACT Tokens are a new issue of cryptographic tokens for which there is no established public market, and an active trading market may not develop. 6.8. The regulatory landscape with respect to cryptocurrencies and cryptographic tokens, including $PACT Tokens, is fast evolving. There may be uncertainty in the regulatory treatment of $PACT Tokens and the $PACT Tokens Sale in jurisdictions where the $PACT Tokens Sale is conducted. Although impactMarkets does not believe that $PACT Tokens are securities in any jurisdiction where the $PACT Tokens Sale is conducted, there is no assurance that relevant competent government or regulatory authorities (“Relevant Authorities”) would take a similar view, either now or in the future. Similarly, although impactMarkets does not believe that the offer, purchase and sale of $PACT Tokens are subject to any securities, commodities, derivatives or other financial law and regulation (collectively, "Regulations”), there is no guarantee that the Relevant Authorities may not subsequently determine that the $PACT Tokens Sale is subject to Regulation and is or was not in compliance with certain Regulations. Any such different view or determination by Relevant Authorities may adversely affect the legality of the $PACT Tokens Sale, or impose restrictions on the transfer of $PACT Tokens and other regulatory requirements, which may affect the market value and transferability of $PACT Tokens. 6.9. As blockchain networks and blockchain assets have grown in popularity and in market size, government agencies and regulatory authorities have begun to take interest in, and in some cases regulate, their use and operation. Jurisdictions, such as, but not limited to, the European Union, the People’s Republic of China, South Korea, and Japan, are currently considering, or may in the future consider, laws, guidance or other actions, which may severely impact the utility of the $PACT Tokens, and the interoperability of blockchain-based protocols generally. The many jurisdictions and regulatory frameworks that govern all or part of the ownership, holding, issuance, purchase, sale, or use of cryptocurrencies or cryptographic tokens (such as the $PACT Tokens) are likely to rapidly evolve and are subject to significant uncertainty. Failure by impactMarkets or its representatives to comply with any laws, some of which may not exist yet or are subject to interpretation and may be subject to change, could result in a variety of adverse consequences for impactMarkets and the value and utility of the $PACT Tokens. 6.10. Certain jurisdictions restrict the holding, use, ownership, sale and purchase of cryptocurrencies and/or cryptographic tokens, including outright prohibition or requiring that the sale or purchase must take place on a regulated exchange or trading venue. These restrictions may become more prohibitive over time and adversely impact the Token Holder ability to access a regulated exchange or trading venue in the Token Holder jurisdiction, or any other jurisdiction that permits the sale or purchase of the $PACT Tokens, and the Token Holder may, therefore, find it difficult or unlawful to sell the Token Holder $PACT Tokens or any alternative cryptocurrency or cryptographic token the Token Holder hold as a substitute for the $PACT Tokens. There are additional risks presented by any potential token exchange service provider, if any, which might be subject to poorly understood regulatory oversight. 6.11. Unlike certain accounts with financial institutions, $PACT Tokens are not insured by any governmental or regulatory entity. In the event of loss, or the loss of utility value, the Token Holder may not have recourse (and shall never have recourse against impactMarkets in accordance with these Terms) unless the Token Holder obtain private insurance for the Token Holder $PACT Tokens at the Token Holder own cost. 6.12. $PACT Tokens are irredeemable, and except as otherwise set forth in these Terms and Conditions, the Token Holder will not have the right to any refund or exchange or otherwise force impactMarkets to redeem the Token Holder $PACT Tokens for any value (monetary or in-kind). 6.13 In making a decision to participate in this IDO, it is the Token Holder obligation to consult the Token Holder own tax advisors regarding tax considerations relating to the purchase, ownership and sale or disposition of the $PACT Tokens, including, for example, sales, use and value added taxes, as well as income and withholding taxes. In addition, the Token Holder is responsible to withhold, collect, report and remit any taxes that apply to the purchase of the $PACT Tokens and remit such taxes to the appropriate taxing authorities. The Token Holder is also responsible for reviewing all current and future tax considerations that may be relevant to the Token Holder in connection with purchasing the $PACT Tokens with the Token Holder own tax advisers. The Token Holder may experience adverse enforcement or other consequences in connection with purchasing $PACT Tokens. 6.14. Upon a liquidation, bankruptcy or other dissolution of impactMarkets, the Token Holder will not be entitled to liquidation rights under any insolvency or bankruptcy Applicable Law. 6.15. Without prejudice of the utilities of the tokens provided for in these Terms and Conditions, the Token Holder, by holding $PACT Tokens, is not entitled to voting rights or other management or control rights in or with respect to impactMarkets. Accordingly, until such time that impactMarkets shall determine otherwise, impactMarkets will control in its sole discretion all decisions and actions of impactMarkets, including with respect to the Platform and impactMarkets’s operations, affiliations, corporate activities and investments. Further, any and/or all decisions made by impactMarkets’s executive team may conflict with the Token Holder interests. 6.16. The Token Holder acknowledges that information transmitted over the Internet (including communications by e-mail) or blockchain may be susceptible to unlawful access and monitoring. Further, the Token Holder acknowledges that the transmission of data or information over the Internet may result in loss, interception or alteration while in transit and that all such information shall not be deemed confidential and impactMarkets does not have any fiduciary obligation with respect to such transmitted information. 6.17. The Token Holder acknowledges there may be risks associated with $PACT Tokens and/or the Platform not being regulated in the jurisdictions in which $PACT Tokens may be purchased, including the risks of retroactive regulatory applicability. ImpactMarket aims to be made aware of material and relevant changes to Applicable Law and Regulation in the most relevant jurisdictions in the world and shall act accordingly in the event changes to Applicable Law and Regulation impact operations of impactMarkets or the Platform. None of impactMarkets or any Affiliates is a financial institution or currently under supervision of any financial supervisory authority. ImpactMarket does not provide any licensed financial services, such as investment services, fund management or investment advice. The $PACT Tokens Sale is not a public offering of equity, debt or units in a collective investment scheme and consequently does not fall under the securities or any prospectus or similar disclosure regulations in the Permitted Jurisdictions. 6.18. By holding $PACT Tokens, the Token Holder acknowledges that the Token Holder understands that while every effort will be made to further develop the Platform, it is possible that proposed post-launch developments or enhancements will never be realized. 6.19. The $PACT Tokens will be stored in a wallet, which can only be accessed with a password selected by the Token Holder. If the Token Holder does not maintain an accurate record of the password, this may lead to the loss of the Token Holder tokens. If the Token Holder password protection is weak and is cracked or learned by somebody else, this may also lead to the loss of the $PACT Tokens. 6.20. 7There may be additional risks that cannot be anticipated or foreseen due to the incipience of cryptographic token technology, blockchain-based technology and related technologies. #### 7. DISCLAIMER OF WARRANTIES 7.1. The purchased $PACT Tokens and the Platform are provided to the fullest extent legally permissible to the Token Holder "as is” and on an "as available” basis with no warranty of any kind either, statutory, expressed or implied, including, but not limited to, the implied warranties of title, non-infringement, merchantability, and fitness for a particular purpose. the Token Holder assumes all responsibility and risk with respect to the Token Holder use of the platform, receipt of the services and purchase of $PACT Tokens. 7.2. None of impactMarkets or any of their affiliates make any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Platform, including that the platform, its content, or any services or items obtained through the platform will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that the platform or impactMarkets’s server are free of viruses or other harmful components. The Token Holder access to or use of the Platform, including cryptocurrency services, assets, and any information, images or audio contained or related to the platform or services is at the Token Holder own risk. 7.3. The Token Holder understands and expressly agrees that impactMarkets does not represent, warrant or guarantee in any way that $PACT Tokens might be sold or transferred, or be saleable or transferable, or there is an ability or will be a platform to exchange $PACT Tokens for fiat currencies, cryptocurrencies or cryptographic tokens, during or after the $PACT Tokens sale. ImpactMarket further does not make any representations or warranties with respect to the regulatory oversight or the use or security of any such exchange. 7.4. ImpactMarket does not guarantee that the platform and services it provides cannot be duplicated (either in part or in full) by a third party without impactMarkets’s prior written consent. ImpactMarket hereby expressly warns the Token Holder that the Token Holder should not enter, use or purchase any $PACT Tokens or tokens similar to $PACT Tokens from any sources (other than via impactMarkets). 7.5. If applicable law does not permit all or any part of the above exclusion of warranties or disclaimer of implied terms in contracts to apply to the Token Holder, the limitations, exclusions and disclaimers will apply to the Token Holder only to the extent permitted by applicable law. 7.6. If any guarantee, warranty, term or condition is implied or imposed in relation to these terms or any applicable law and cannot be excluded (a "non-excludable provision”), and impactMarkets is able to limit the Token Holder remedy for a breach of the non-excludable provision, then the liability of impactMarkets for breach of the non-excludable provision is limited to the following at impactMarkets’s option, in the case of services, the supplying of the services again, or the payment of the cost of having the services supplied again. #### 8. LIMITATION OF LIABILITY 8.1. ImpactMarket shall in no event be liable, even if impactMarkets has been advised of the possibility of such damages, losses or expenses, for any damages, loss or expense, including direct, indirect, special, or consequential damage, or economic loss, arising from or in connection with: (i) the $PACT Tokens; (ii) any system, server or connection failure, error, omission, interruption, delay in transmission, computer virus or other malicious, destructive or corrupting code, agent program or macros; (iii) or any images, services, products, information, data or other material made available by impactMarkets. 8.2. Without prejudice to the generality of the foregoing and covenants provided in this agreement, the Token Holder will not hold impactMarkets or its related corporations and their officers, employees or agents responsible or liable, in contract, tort (including ordinary negligence or breach of statutory duty), equity or otherwise, for any damages, losses, expenses or costs (whether direct or indirect, or whether foreseeable or not) suffered or incurred by the Token Holder arising out of or in connection with the purchase or the use of the $PACT Tokens by the Token Holder or other third party. 8.3. For the avoidance of doubt, this limitation of liability provision shall survive the termination of these Terms and shall apply, with full force and effect, in perpetuity for the benefit of impactMarkets and any other entity that is or becomes the owner of the Platform, whether such ownership occurs through a sale, merger, other transaction or by the operation of Applicable Law. 8.4. If Applicable Law does not permit all or any part of the above limitation of liability in contracts to apply to the Token Holder, the limitations, exclusions and disclaimers will apply to the Token Holder only to the extent permitted by Applicable Law. #### 9. INDEMNITY 9.1. To the extent permitted by Applicable Law, the Token Holder shall indemnify, defend and hold harmless impactMarkets and its Affiliates, directors, officers, employees, agents, successors, and permitted assignees (each, an "Indemnified Party”) from and against any and all claims, damages, losses, suits, actions, demands, proceedings, expenses, and/or liabilities (including but not limited to reasonable attorneys’ fees incurred and/or those necessary to successfully establish the right to indemnification), including but not limited to all claims arising from any breach of the representations and warranties and covenants in these Terms, asserted by any third party against or incurred by an Indemnified Party. 9.2. Subject to Applicable law, the Token Holder expressly waive any rights the Token Holder may have under Applicable Law as well as any other statute or common law principles that would otherwise limit the coverage of this release, except with respect to any claim for which the underlying action or omission giving rise to such claim has occurred prior to the first date in which the Token Holder accessed or used the Platform, such date being when the Token Holder agreed to be legally bound by these Terms. 9.3. ImpactMarket makes no representations concerning the tax implications of the sale of $PACT Tokens or the possession or use of them. The Token Holder bears the sole responsibility to determine if the purchase of $PACT Tokens with cryptocurrency or the potential appreciation or depreciation in the value of $PACT Tokens over time has tax implications for the Token Holder in the Token Holder home jurisdiction. By purchasing $PACT Tokens, and to the extent permitted by law, the Token Holder agrees to be solely responsible for any applicable taxes imposed on, and agree not to hold the impactMarkets liable for any tax liability associated with or arising from the purchase, possession, or transfer of $PACT Tokens. All fees and charges payable by the Token Holder to the impactMarkets are exclusive of any taxes, and shall certain taxes be applicable, they shall be added on top of the payable amounts. Upon the impactMarkets’ request, the Token Holder will provide it any information it reasonably requests to determine whether it is obligated to collect VAT from the Token Holder, including the Token Holder VAT identification number. If any deduction or withholding is required by Applicable Law, the Token Holder will notify the impactMarkets and will pay impactMarkets any additional amounts necessary to ensure that the net amount that the impactMarkets receives, after any deduction and withholding, equals the amount impactMarkets would have received if no deduction or withholding had been required. Additionally, the Token Holder will provide impactMarkets with documentation showing that the withheld and deducted amounts have been paid to the relevant taxing authority. To the extent impactMarkets is responsible for remitting any withholding taxes or value added or similar taxes, the Token Holder allocation of $PACT Tokens shall be reduced to the extent such taxes are required to be remitted by impactMarkets. impactMarkets wishes to make the Token Holder aware that future use of the $PACT Tokens by the Token Holder when transacting with impactMarkets may result in withholding taxes, value added tax and/or similar taxes being imposed. The Token Holder will be responsible for such taxes, however, where impactMarkets is responsible for remitting taxes, the amount of taxes shall be deducted from the fees otherwise due and payable by the Token Holder in connection with the transactions with impactMarkets. #### 10. APPLICABLE LAW AND JURISDICTION 10.1. These Terms and Conditions, as well as the pre-contractual and contractual relationship, are governed by Portuguese Law. 10.2. Any dispute that may arise between the contracting Parties regarding the interpretation or execution of these Terms and Conditions will be subject to and finally resolved by arbitration under the Arbitration Centre of the Portuguese Chamber of Commerce and Industry (“Arbitration Centre”). The appointing authority shall be the Arbitration Centre. The Arbitration Centre shall administer the case in accordance with its Rules. The place of arbitration shall be Lisbon, Portugal. # Partnerships Hi, we are so happy that you are interested in contributing to making dreams come true! Please, for marketing and business proposals reach out **** # Audit Omniscia performed a security audit on the autonomous community management by impactMarket featuring asset management, a merkle claim system, and almost every contract deployed behind a proxy pattern. ### "Overall, the codebase quality is relatively high and contains thoroughly documented code throughout. " #### v1 audit reports #### v2 audit reports # Smart Contract Smart contracts are what make the impactMarket protocol work. And this page is dedicated to that, where we started (alpha), until where we are and the functionalities of the latest version, in this case, v2. To find the most recent version, its addresses, and audits, please visit . ## v2 ### What's new Two new entities: ambassadors and council. Communities have a limit of beneficiaries. Managers will only be able to add/remove/lock/unlock beneficiaries and request funds to the community. Staking! Stake your PACTs, get more on donations by staking. ### The most relevant changes #### Ambassadors Each community has an ambassador. The ambassador is responsible for adding and removing managers. The ambassador can also lock and unlock a community. A locked community only allow managers to remove beneficiaries. A removed manager can be re-added. Can also define the limit of number of beneficiaries in a community. The ambassador is assigned to a community at the moment that it claims the community using ambassadors' dashboard. The community can later be transferred to another ambassador if necessary or an ambassador can be fully replaced. Only the entity responsible for that ambassador, or the council can do that. #### Community approvals Communities are now Council's responsibility. The Council works pretty much the same way as the DAO does, with two differences. It doesn't own anything, unlike the DAO that owns the protocol. And the voting is 1:1, not requiring PACT delegation or anything. Also there are not limit of proposals one can open, nor a limit of time to wait until approving a proposal. It has the power to control most UBI features. Accepts new communities, remove communities, change UBI parameters and tranches. It can also do most of ambassadors' activities. #### Staking Read more [here](https://medium.com/impactmarket/impactmarkets-staking-de24ce9f3816). ## v1 ### What's new impactMarket is now a DAO. The DAO is controlled by a set of contracts, the Delegator, the Delegate, and the Timelock. It also has a Treasury. Communities now are much more controllable through the Community Admin contract which is owned by the DAO. Any change requires a new proposal. On v1 we've also deployed a Donation Miner contract, which is what calculates rewards for donors. All these contracts are migratable, controlled through proxies, all owned by the DAO. The contracts are fully documented. Please visit the repository here. ### The most relevant changes #### DAO The DAO is a set of three contracts. The Delegator, the Delegate, and the Timelock. It is responsible for everything happening on the protocol. Every change will go through a proposal that will receive votes from PACT token holders. #### Treasury Treasury is where all the assets are. The treasury holds the donations from which communities will be able to request funds. as well as any other asset. #### Community Admin The Community Admin is the contract responsible for all communities. It's a factory and an admin at the same time. It has the capability of deploying new communities, migrating, removing, changing community implementations, changing community parameters such as the UBI parameters and the tranches (min and max). And it can also add and remove managers. The Community Admin actions can only be executed by the owner and it's owned by the DAO. Meaning that each action mentioned above needs to be included in a proposal. #### Community The most relevant change to the community contract is the possibility to request funds from the DAO treasury. Communities have a min and max tranche, which defines the limit to what they can get from the treasury. When a proposal to create a community is executed, the community receives the min tranch amount from the DAO. The first manager also receives $0.05 to pay for fees. Besides that, a community is now upgradable, meaning that, it's possible to change the implementation of a community through a proposal without the need to migrate its beneficiaries. Previously the intervals (such as base interval and increment interval) were calculated in second, using block timestamp, as an opposite to now, where intervals are counted in blocks. Together with this change comes a fix on changing parameters (previously it was not possible to change the base interval). There's also a new parameter called "decrease step", which, if set to a value higher than zero, decreases that amount from the max claim amount. For example, if it's $0.01, then every time a beneficiary is added, $0.01 will be decreased on the max claim for every beneficiary in that community. ## Alpha During the alpha version, smart contracts were divided into three. **ImpactMarket**, **CommunityFactory,** and **Community**. ### ImpactMarket Its only role is to accept new communities. This will be replaced by a mechanism (already under development) with voting for new communities. ### CommunityFactory Its only role is to deploy new Community contracts. One contract per community. This contract is controlled by ImpactMarket. ### Community This is the contract used by communities. There's one contract per community. This allows individual donations to communities. Below are listed the public methods that can be called to get information from the contract. ```cpp // When the beneficiary can claim again (timestamp) mapping(address => uint256) public cooldown; // What was the last interval when the user claim. // This is used to calculate the next interval mapping(address => uint256) public lastInterval; // How much has the beneficiary claimed so far. mapping(address => uint256) public claimed; // In what state is the beneficiary (enum BeneficiaryState {NONE, Valid, Locked, Removed}) mapping(address => BeneficiaryState) public beneficiaries; // community amount per claim (in cUSD) uint256 public claimAmount; // community base interval (we have been using 1 day or 1 week) (in seconds) uint256 public baseInterval; // community increment interval (in seconds) uint256 public incrementInterval; // community maximun claim per beneficiary (in cUSD) uint256 public maxClaim; // if the community was migrated, will have here the address address public previousCommunityContract; // impactMarket contract address address public impactMarketAddress; // cUSD contract address address public cUSDAddress; ``` #### Functions **Important note:** for external integrations, when a manager tries to add an address as a manager or a beneficiary, that address needs to first be registered in the system, otherwise, it will show an error has mentioned in [add beneficiary section](https://docs.impactmarket.com/manager-onboarding/download/2.5-add-remove-beneficiary). To avoid this, please make use of the `/api/user/auth` endpoint. For more information look at the [API section](https://docs.impactmarket.com/developers/api). ```javascript /** * @dev Allow community managers to add other managers. */ function addManager(address _account) external onlyManagers; /** * @dev Allow community managers to remove other managers. */ function removeManager(address _account) external onlyManagers; /** * @dev Allow community managers to add beneficiaries. */ function addBeneficiary(address _account) external onlyManagers; /** * @dev Allow community managers to lock beneficiaries. */ function lockBeneficiary(address _account) external onlyManagers; /** * @dev Allow community managers to unlock locked beneficiaries. */ function unlockBeneficiary(address _account) external onlyManagers; /** * @dev Allow community managers to remove beneficiaries. */ function removeBeneficiary(address _account) external onlyManagers; /** * @dev Allow beneficiaries to claim. */ function claim() external onlyValidBeneficiary; /** * @dev Allow community managers to edit community variables. */ function edit( uint256 _claimAmount, uint256 _maxClaim, uint256 _baseInterval, uint256 _incrementInterval ) external onlyManagers; ``` # How to integrate This page explains how you can integrate your app with impactMarket contracts. All of our codebase is open source (available on GitHub). ### How to integrate with communities First, it's necessary to understand the flow. 1. Anyone opens our app, creates a request to create a community. That is simply an entry on our database, with community name, description, UBI contract parameters, address of who's requesting to create the community, and a few more details. All pending communities are then listed to ambassadors on a specific page within the app. 2. Ambassadors then claim a community. They can edit all information. Once it's all ready, approve community. 3. When approved , the council see a request to deploy the community. To do so, a proposal needs to be generated. This is very similar to a DAO proposal, with the difference that, only the council members vote and there are not limits. Council member are selected by the DAO. See move on v2 changes [here](/developers/smart-contract#v2). 4. Once voting ends, if the proposal is accepted, it can be executed. 5. Once executed the community contract is deployed (calls [this](https://github.com/impactMarket/impact-market-smart-contracts/blob/main/contracts/community/CommunityAdminImplementation.sol#L280)) adding the first manager (the person who requested to create the community) and after that everything happens within the community. The ambassador that claimed the community is responsible for that community, and add managers. A manager adds beneficiaries. Beneficiaries claim. You don't need to integrate steps 1-4, only 5. So, to find out if a given address is a beneficiary or manager in a community, you can use our [subgraph](https://thegraph.com/hosted-service/subgraph/impactmarket/subgraph) (source code [here](https://github.com/impactMarket/subgraph)) running the following query ```graphql { beneficiaryEntity(id: "lower-case-user-address-here") { community { id } } managerEntity(id: "lower-case-user-address-here") { community { id } } } ``` It either returns *null* or an *object*. Feel free to [test it](https://thegraph.com/hosted-service/subgraph/impactmarket/subgraph). See documentation on the yaml file on source code. **PLEASE NOTE** that this is a self-hosted service from [TheGraph](https://thegraph.com/). While we recommend using it (as we also use it) this is a free (and reliable service), it will eventually change in the future are TheGraph migrates to the [decentralized network](https://thegraph.com/blog/curation-live) and start being a paid service. Learn more [here](https://thegraph.com/blog/the-graph-grt-token-economics). And finally, let's suppose the community was just deployed, and the manager is now found through the query above so it will be shown accordingly on the app. The next steps are to add more managers and add beneficiaries so they can start to claim. All of those actions are on the [community contract](https://github.com/impactMarket/impact-market-smart-contracts/blob/main/contracts/community/CommunityImplementation.sol). Now, all it's needed to do is to call those methods accordingly. First *addBeneficiary,* then the beneficiary enters the app, and using the subgraph query above it's possible to know it's a beneficiary so we allow to *claim*. That's all it's needed for the base integration. Don't hesitate to go to our discord and ask any questions you might have. # API All API endpoints are documented using [swagger](https://swagger.io/). For each environment (alfajores testnet and mainnet), there's one API and a swagger URL available. Please, see the next section regarding the environment you want to use to know more. # Environment # Alfajores Testnet Useful URLs * dApp - * website - * API - * API (swagger docs) - * main subgraph - * secondary subgraph - * microcredit subgraph - * smart-contracts - # Mainnet Useful URLs * dApp - * website - [https://impactmarket.com/](http://impactmarket.com/) * API - * API (swagger docs) - * main subgraph - * secondary subgraph - * microcredit subgraph - * smart-contracts - # Technology # Blockchain
Intro to Blockchain & Crypto ### What is a blockchain? Blockchain is a technology that allows transactions to be gathered into blocks and recorded in a trusted and secure manner. It can be used for many things, including money (cryptocurrency), managing medical records, and even online games. You can read more about the CELO blockchain [here](/developers/technology/blockchain). ### What are some advantages of blockchains? * **They are Global**: It means that cryptocurrencies can be sent across the planet quickly and cheaply. * **They increase privacy:** Cryptocurrency payments don’t require you to include your personal information, which protects you from being hacked or having your identity stolen. * **They are open:** Because every single transaction on cryptocurrency networks is published publicly in the form of the blockchain, anyone can scrutinize them. That leaves no room for manipulation of transactions, changing the money supply, or adjusting the rules mid-game. The software that constitutes the core of these currencies is free and open-source, so anyone can review the code. ### What is cryptocurrency? Cryptocurrency is the most well-known use of blockchain. Cryptocurrency is a form of money that acts like digital cash. This means Person A can send cryptocurrency directly to Person B without the need for an intermediary (e.g. bank or mobile money) Bitcoin is the first and most widely used cryptocurrency.
A Protocol built on Celo **Blockchain technology** allows for new benefits and anyone to send money to another person, in a non-objectionable, transparent way, without intermediaries, instantly and almost free of charge, regardless of the country. All you need is an internet connection and a smartphone to have an account and send and receive money. Celo is an open-sourced Proof-of-Stake (PoS) blockchain designed to support stablecoins and tokenized assets with an algorithmic reserve-backed stability mechanism. Currently, we use Celo Dollars (cUSD), a stablecoin whose value does not fluctuate widely, to distribute basic income to vulnerable communities. There is also Celo, the cryptocurrency that acts as a utility and governance token for the Celo platform. ## Why is impactMarket built on Celo? ### Prosperity for All We are aligned with Celo's mission of Prosperity for All, the first **carbon-negative blockchain.** We joined the [**DeFi for the People**](https://medium.com/impactmarket/impactmarket-joins-celos-defi-for-the-people-to-help-empower-billions-7a9cae98b7d0) Initiative in February 2022, and we recently joined the **Social Impact Collective** to accelerate and drive positive change through financial inclusion and economic prosperity. ### **Mobile-first** Celo is one of the few blockchains that were **built for mobile phones**. It is designed to be easy to use and work for a low-end device or a fancy laptop. ### Cost and Speed With CELO, you can send transactions from the US to the Philippines for less than one dollar. This means you can keep what you earn rather than pay fees to middlemen. Each transaction takes about 10 seconds - which means you can get paid for your work much faster than before. **For more information about the Celo Blockchain, please visit their** [**FAQS**](https://docs.celo.org/overview)**.**
# DAO **Decentralized Autonomous Organization,** that means no central leadership. ### Useful links {% embed url="" %} {% embed url="" %} {% embed url="" %} {% embed url="" %} {% embed url="" %} # Tools we use {% embed url="" %} {% embed url="" %} # Whitepaper impactMarket Autores:[ ](https://www.linkedin.com/in/yoniassia)Avina Ajit e Susanne Zapelão. Contribuição de:[ ](https://www.linkedin.com/in/hadarrottenberg/)Yingshi Huang, Onye Dike e Jessica Gaubert.
{% hint style="info" %} Este documento está sujeito a alterações com a adição de recursos e serviços dentro do protocolo. {% endhint %} Na tentativa de fornecer uma sumarização abrangente, o conteúdo apresentado neste white paper não abrange todos os aspectos das funções, atividades e impacto do protocolo e destina-se exclusivamente a fins informativos. O principal objetivo deste documento é fornecer aos leitores insights sobre a visão do impactMarket e seus objetivos na promoção do empoderamento financeiro. *** ## Índice 1. [**Visão Geral**](/portugues-brasil-1/impactmarket-apps/master) 2. [**Produtos da impactMarket** ](/portugues-brasil-1/impactmarket-apps/2.-produtos-impactmarket) * [Microcrédito ](/portugues-brasil-1/impactmarket-apps/2.-produtos-impactmarket/microcredito) * [Renda Básica Incondicional (UBI) ](/portugues-brasil-1/impactmarket-apps/2.-produtos-impactmarket/renda-basica-incondicional-ubi) * [Libera - Carteira Crypto ](/portugues-brasil-1/impactmarket-apps/2.-produtos-impactmarket/libera-carteira-crypto) * [Aprenda e Ganhe ](/portugues-brasil-1/impactmarket-apps/2.-produtos-impactmarket/aprenda-e-ganhe) 3. [**Protocolo impactMarket**](/portugues-brasil-1/impactmarket-apps/3.-protocolo-impactmarket) * [Token PACT](/portugues-brasil-1/impactmarket-apps/3.-protocolo-impactmarket/token-pact) * [Votação e Governança](/portugues-brasil-1/impactmarket-apps/3.-protocolo-impactmarket/votacao-e-governanca) 4. [**Mensuração de Impacto**](/portugues-brasil-1/impactmarket-apps/4.-mensuracao-de-impacto) [**Sobre a Empresa**](/portugues-brasil-1/general/nosso-time) [**Desenvolvedores**](/portugues-brasil-1/developers/contratos-inteligentes-smart-contracts) # 1. Visão Geral Protocolo de Empoderamento Humano A [impactMarket](https://www.impactmarket.com/) é um **protocolo de empoderamento humano** desenvolvido na rede de blockchain da Celo que fornece soluções financeiras acessíveis e conhecimento para empoderar pessoas economicamente desprivilegiadas em todo o mundo. **Transparente, confiável e inclusivo**, impulsionando a educação e independência financeira para todos. impactMarket possui um dos maiores programas de Renda Básica Incondicional (RBI ou na sigla em inglês UBI, de *Unconditional Basic Income*) do mundo, apoiando mais de 45.000 pessoas com UBI em cerca de 30 países. Outras soluções impactantes incluem Microcrédito, a Carteira Criptográfica Libera e a plataforma Aprenda e Ganhe. Empoderamos as pessoas a assumirem o controle de suas escolhas, seu dinheiro e suas vidas. ## Estamos investindo no ativo mais valioso: PESSOAS {% embed url="" %} Povoado de Jaguara - Comunidade UBI no Brasil | impactMarket {% endembed %} ***Para mais vídeos, visite nosso*** [***canal no Youtube***](https://www.youtube.com/channel/UCUE5DVvRjmsOK_27s2byT1A)***.*** Com o uso primário do cUSD (Celo Dollar) e o uso complementar de seu token nativo $PACT, o ecossistema da impactMarket gera uma economia circular de doações para UBI, investimentos, recompensas e poder de governança, alinhados com as necessidades e diretrizes da comunidade (tanto numa perspectiva da comunidade de apoiadores e titulares de tokens $PACT quanto das comunidades vulneráveis apoiadas com renda básica). Também há o Celo, a criptomoeda que atua como um token de utilidade e governança para a plataforma Celo. Celo é uma rede blockchain de Prova de Participação/ *Proof of Stake* (PoS) de código aberto projetada para suportar stablecoins e ativos tokenizados com um mecanismo de estabilidade lastreado por reserva algorítmica. O uso do Celo Dollars (cUSD) pela impactMarket, uma stablecoin cujo valor não flutua amplamente, facilita a distribuição de renda básica, bem como todas as outras soluções que exigem transferência de fundos. ![Beneficiários de Renda Básica da impactMarket.](/files/-MYhc6W3_cYI-Jnno6qu) ## Sonhe com a gente! Como se juntar à nossa missão [Faça uma doação](https://www.impactmarket.com/governance) para as comunidades UBI e receba PACT como recompensa. Siga a impactMarket nas redes sociais e divulgue nosso impacto para envolver sua família e amigos! Se você é uma empresa, fundação, marca ou influenciador, entre em contato conosco para saber mais sobre como envolver seus funcionários, clientes ou comunidade em iniciativas sociais, de forma totalmente transparente e mensurável. Você pode entrar em contato através das nossas redes sociais ([Twitter](https://twitter.com/impactmarket), [Instagram](https://www.instagram.com/impactmarket_br/), [Facebook](https://www.facebook.com/impactmarketofficial) e [LinkedIn](https://www.linkedin.com/company/impactmarket)) ou participando da comunidade $PACT no [Telegram](https://t.me/impactMarketOfficial), ou [Discord](https://discord.gg/V6JWbM4ZQ3). *** ## Ouse sonhar que um mundo melhor para todos é possível. Juntos podemos fazer a diferença! 💙 # Contexto * O Objetivo de Desenvolvimento Sustentável 1 da ONU preconiza a erradicação de todas as formas de pobreza até 2030 (Nações Unidas, 2021). Atualmente, o mundo não está no caminho certo para alcançar esse objetivo. De acordo com o Banco Mundial (2021), cerca de uma em cada dez pessoas em 2020 (cerca de 9,2% da população mundial) é considerada como vivendo em extrema pobreza, sobrevivendo com menos de US$ 1,90 por dia, um retrocesso causado em parte pela pandemia global de COVID-19. Destes, segundo o Banco Mundial, 87% dos mais pobres do mundo vivem na África Subsaariana, representando mais de 480 milhões de pessoas. A atual crise energética e alimentar provavelmente resultará em mais retrocessos (Nações Unidas, 2022; Banco Mundial, 2022). * O Banco Mundial considera a inclusão financeira como um facilitador-chave para reduzir a extrema pobreza e impulsionar a prosperidade compartilhada. "Inclusão financeira significa que indivíduos e empresas têm acesso a produtos e serviços financeiros úteis e acessíveis que atendam às suas necessidades - transações, pagamentos, poupanças, crédito e seguros - entregues de maneira responsável e sustentável." Desde que a inclusão financeira foi identificada como um facilitador de 7 dos 17 Objetivos de Desenvolvimento Sustentável, o rápido aumento das finanças digitais oferece oportunidades de acesso a serviços financeiros, incluindo a renda básica universal (RBU), para comunidades em todo o mundo, incluindo aquelas em países de baixa e média renda (Banco Mundial, 2021). No entanto, pouco se sabe sobre o impacto das finanças digitais e seu potencial para alcançar comunidades vulneráveis. Evidências recentes mostram que a implementação de programas de transferência de dinheiro usando transferências por celular tem muitos efeitos positivos: redução da extrema pobreza, aumento do consumo em comunidades rurais, diversidade na alimentação, etc. (Aker et al., 2016; Lee et al., 2021). Mas apesar dessas evidências positivas, ainda existem perguntas em aberto sobre como tornar a inclusão financeira realmente acessível a todas essas comunidades ao redor do mundo que precisam dela (Aziz & Naima, 2021; Lashitew et al., 2019). * A pandemia de COVID-19 apresentou um caso convincente para a entrega de ajuda digital. Isso pode desempenhar um papel crítico para que governos/multilaterais forneçam assistência social de forma rápida e segura. A infraestrutura digital permitiu não apenas que os governos alcançassem um número sem precedentes de novos beneficiários, mas também permitiu que fizessem pagamentos a eles remotamente. Isso trouxe milhões de pessoas para o sistema de proteção social e financeira pela primeira vez (Banco Mundial, 2022). No entanto, também destacou a necessidade de expandir a infraestrutura digital com o objetivo de tornar os sistemas de pagamento mais inclusivos, eficazes e sustentáveis. Isso inclui abordar os desafios enfrentados especialmente pelas mulheres, que muitas vezes são excluídas digital e financeiramente. 1,4 bilhão de adultos ainda não têm conta bancária. Essas pessoas são as mais difíceis de alcançar - e geralmente são mulheres, mais pobres, menos educadas e vivem em áreas rurais. * O Global Findex 2021 descobriu que quase dois terços dos adultos em economias em desenvolvimento que receberam pagamentos digitais também usaram suas contas para guardar dinheiro para gerenciamento de caixa, cerca de 40% usaram suas contas para economizar e 40% usaram suas contas para empréstimos. Embora os dados não possam estabelecer uma relação causal, essas descobertas sugerem que as entradas digitais podem abrir caminho para um uso mais amplo de serviços financeiros. As transferências de dinheiro são generalizadas: 97% dos países de baixa e média renda, 77% dos quais usam transferências incondicionais em dinheiro (Banco Mundial, 2017), mas os custos de entrega de um programa de transferência de renda podem ser significativos. De acordo com o International Rescue Committee, os custos de programas de transferência de renda incondicional variam de 14 centavos para cada dólar transferido até US$ 1,32 para cada dólar transferido. * A provisão de renda básica universal (RBU) tem o potencial de combater a extrema pobreza. "A Renda Básica consiste em uma concessão periódica de dinheiro dada a todos os cidadãos sem recursos, para proporcionar a eles um padrão de vida acima da linha de pobreza" (Stanford Basic Income Lab, 2022). Uma síntese recente da pesquisa sobre RBU mostrou que as intervenções de RBU podem ter efeitos positivos na redução da pobreza, saúde e resultados educacionais. A evidência de impacto positivo é observada nas condições de trabalho, enquanto os efeitos na participação no mercado de trabalho são insignificantes (Hasdell, 2020). No entanto, os canais de assistência em dinheiro tendem a ser vítimas de corrupção e altos custos. Falta de transparência, uma infinidade de intermediários e o potencial para corrupção aumentam ainda mais o custo da ajuda por meio de assistência em dinheiro. Embora as estimativas variem muito, a ONU relata que 30% da ajuda é perdida para a corrupção; o Banco Mundial estimou o custo da corrupção em cerca de US$ 2,6 trilhões, ou 5% do PIB global - esse valor abrange a corrupção tanto no país quanto no exterior. ### A impactMarket tem como objetivo alcançar essas metas: 1. **Inclusão Financeira:** Muitas pessoas em situação de pobreza não têm acesso aos serviços bancários tradicionais. As ferramentas financeiras do impactMarket oferecem acesso a serviços financeiros básicos, como remessas e transferências de dinheiro de baixo custo, além de outros recursos habilitados pelo uso de blockchain, como educação financeira recompensada, renda básica e uma pontuação de crédito on-chain. Além disso, o uso de moedas estáveis, criptomoedas e tokens comunitários permite transações entre pares sem a necessidade de intermediários como bancos, tornando os serviços financeiros mais acessíveis e acessíveis. 2. **Transparência e Confiança:** Pessoas em situação de pobreza frequentemente enfrentam problemas de corrupção, fraude e falta de transparência em transações financeiras, bem como a falta de controle sobre taxas de transação predatórias. A natureza descentralizada e imutável da blockchain pode ajudar a estabelecer confiança e transparência nos sistemas financeiros e em moedas mais novas. Ao registrar transações em um livro-razão distribuído visível para todos os participantes, a blockchain reduz a possibilidade de atividades fraudulentas, garantindo que os fundos cheguem aos destinatários pretendidos e sejam usados para os fins pretendidos, no caso da impactMarket: a máxima liberdade nas decisões de gastos. 3. **Redução de Custos:** Sistemas financeiros tradicionais envolvem numerosos intermediários e altas taxas de transação, o que afeta desproporcionalmente aqueles com recursos limitados. A impactMarket pode ajudar a simplificar processos, eliminar intermediários e reduzir significativamente os custos de transação. Essa redução de custos pode permitir que pessoas em situação de pobreza economizem dinheiro, acessem crédito acessível e façam uso mais eficiente de seus recursos financeiros limitados. 4. **Identidade e Propriedade Seguras:** Muitas pessoas em situação de pobreza não têm documentos de identificação formais, tornando difícil o acesso a serviços financeiros e programas de bem-estar social. Sistemas de gerenciamento de identidade baseados em blockchain podem fornecer identidades digitais seguras, permitindo que as pessoas estabeleçam sua propriedade e acessem diversos serviços financeiros. Ao fornecer uma solução de identidade descentralizada e à prova de manipulação, a impactMarket pode capacitar as pessoas a afirmar seus direitos e participar de atividades econômicas. 5. **Microfinanças e Financiamento Coletivo:** A incapacidade de criar riqueza ou expandir frequentemente decorre da falta de acesso a capital para atividades geradoras de renda. A impactMarket pode facilitar iniciativas de microfinanças permitindo empréstimos entre pares e reduzindo a necessidade de intermediários. Além disso, os métodos de financiamento coletivo da ferramenta de renda básica incondicional da impactMarket podem ajudar pessoas em situação de pobreza a arrecadar fundos para empreendimentos empresariais ou projetos comunitários, contornando as barreiras e os custos tradicionais de captação de recursos. 6. **Remessas e Transações Transfronteiriças:** Muitas pessoas em situação de pobreza dependem de remessas de familiares que trabalham em outros países. No entanto, os serviços de remessas tradicionais frequentemente impõem altas taxas e longos tempos de processamento. A carteira cripto Libera da impactMarket oferece transações transfronteiriças mais rápidas e acessíveis, permitindo que pessoas em situação de pobreza recebam fundos de forma rápida e segura. # Conceito No mundo de hoje, existem incontáveis indivíduos e comunidades ao redor do mundo que não têm acesso a bens básicos, como a serviços financeiros. Novas tecnologias como a blockchain trazem novas possibilidades para enfrentar esses desafios que os sistemas tradicionais têm falhado em abordar e endereçar. Nesse sentido, a adoção dessas novas tecnologias para finanças está provando contribuir muito mais do que é visível na superfície. Os diferenciais da blockchain, como transparência, confiabilidade, escala global e otimização de custos, catalisam o impacto de projetos como a impactMarket, impulsionando ainda mais a inclusão financeira de populações desfavorecidas. Fazendo mais com menos, impactMarket permite que doadores e parceiros maximizem sua contribuição, ao mesmo tempo em que empodera pessoas em todo o mundo com uma gama abrangente de soluções inclusivas. A impactMarket visa abrir caminho para a inclusão financeira, utilizando DeFi (do inglês *Decentralized Finances*, ou Finanças Decentralizadas) para impulsionar o potencial humano. Para alcançar esses objetivos, o impactMarket desenvolve várias soluções financeiras que proporcionam às pessoas mais poder sobre suas circunstâncias, contribuindo para gerar ambientes econômicos sustentáveis. Comunidades que vivem em lugares sem uma economia estável ou que são frequentemente excluídas economicamente, como cidadãos desprivilegiados e refugiados, usam o protocolo da impactMarket para atender às suas necessidades básicas e criar diversas oportunidades para melhorar suas vidas. A impactMarket permite que seus usuários acessem ferramentas e serviços financeiros inclusivos e, a beneficiários da renda básica que recebam e resgatem seus fundos facilmente e rapidamente sem nenhuma condição. Por ser um hub de inclusão financeira baseado em blockchain e uma referência da indústria para impacto social, impactMarket é um catalisador na realização de alguns Objetivos de Desenvolvimento Sustentável (ODS) significativos. A impactMarket se concentra em: * ODS 1: Eliminar a pobreza em todas as suas formas em todos os lugares * ODS 4: Assegurar a educação inclusiva e equitativa de qualidade e promover oportunidades de aprendizagem ao longo da vida para todos * ODS 8: Promover um crescimento econômico sustentado, inclusivo e sustentável, emprego pleno e produtivo e trabalho decente para todos * ODS 10: Reduzir a desigualdade dentro e entre os países * ODS 17: Fortalecer os meios de implementação e revitalizar a parceria global para o desenvolvimento sustentável **Desde sua fundação:** * Cerca de US$ 3 milhões de fundos foram distribuídos a pessoas desfavorecidas em todo o mundo na forma de Renda Básica Incondicional. * A impactMarket tornou-se um dos maiores sistemas UBI baseados em blockchain do mundo, alcançando mais de 46.000 beneficiários em cerca de 270 comunidades UBI para ajudá-los a cobrir suas necessidades básicas e investir em matérias-primas, educação e ferramentas para garantir oportunidades financeiras de longo prazo. * O recurso de microcrédito do impactMarket foi testado com 200 mutuários individuais no Brazil, em Uganda e na Nigéria, tendo emprestado 90.000 Celo Dollars em microcrédito (até agosto de 2023). * Para desenvolver o protocolo web3 líder do impactMarket e expandir para comunidades vulneráveis ​​nos países mais pobres, a empresa arrecadou um total de US$ 2,1 milhões até janeiro de 2022 (US$ 1,6 milhão em rodadas de equity pré-seed e seed e US$ 500 mil por meio de um IDO). * O token de governança do protocolo, $PACT, foi lançado por meio de um IDO (Initial Decentralized Offering) na Polkastarter em dezembro de 2021, e logo em seguida o lançamento do mecanismo de impact Farming permitiu começar a recompensar doadores ​​com tokens $PACT. * A impactMarket possui um mecanismo de Staking para detentores de tokens $PACT, permitindo que eles ganhem mais tokens $PACT como recompensa e tenham poder de voto em decisões sobreo desenvolvimento, crescimento e impacto futuro do protocolo. * Em novembro de 2022, a impactLabs, a empresa que administra o protocolo impactMarket, anunciou o lançamento de seu grupo de validadores, apoiando diretamente a rede Celo e ajudando a garantir sua integridade. A meta é doar os lucros da operação do grupo de validadores diretamente às comunidades apoiadas com UBI pela impactMarket. # 2. Produtos impactMarket Desenvolvemos nossos produtos para serem mais acessíveis e inclusivos, considerando diferentes países e culturas, idiomas, idades, níveis de conhecimento digital e financeiro, acesso à tecnologia e outras necessidades. Nosso portfólio é composto por: * [**Microcrédito**](https://www.impactmarket.com/microcredit) * [**Renda Básica Incondicional**](https://www.impactmarket.com/ubi) (UBI) * [**Libera Carteira Crypto**](https://www.impactmarket.com/libera) * [**Aprenda & Ganhe**](https://www.impactmarket.com/learn-and-earn) # Microcrédito Microcrédito como mecanismo de inclusão financeira. ## Contexto O crédito é um serviço financeiro essencial que ajuda as pessoas a investir em seus negócios, educação e casas. No entanto, as instituições de crédito tradicionais muitas vezes excluem aqueles que são subassistidos financeiramente, pois não têm garantias ou registros de histórico de crédito. Além disso, as instituições de microfinanças costumam cobrar juros altos para compensar o risco maior associado ao empréstimo aos pobres. Essas altas taxas às vezes podem dificultar o reembolso dos empréstimos pelos devedores, levando a inadimplência e à pobreza ainda maior. O microcrédito é uma estratégia de inclusão financeira que se concentra na concessão de pequenos empréstimos àqueles que estão excluídos dos mercados de crédito tradicionais. A abordagem do microcrédito foi pioneira por Muhammad Yunus, que fundou o Grameen Bank em Bangladesh na década de 1980. O objetivo do microcrédito é empoderar os não bancarizados e subbancarizados, fornecendo-lhes acesso ao crédito, permitindo que eles invistam em seus negócios, melhorem suas condições de vida e escapem da pobreza. O mercado de microcrédito cresceu significativamente nos últimos anos, com as instituições de microfinanças (MFIs) atendendo a mais de 140 milhões de pessoas em todo o mundo. O microcrédito tornou-se um motor fundamental da inclusão financeira, permitindo que milhões de pessoas tenham acesso a crédito, poupança e outros serviços financeiros. De acordo com um relatório recente do Banco Mundial, as MFIs desembolsaram mais de US$ 130 bilhões em empréstimos para indivíduos de baixa renda e pequenas empresas em todo o mundo. Uma das principais vantagens do microcrédito é sua escalabilidade. Ao contrário das instituições de crédito tradicionais, que exigem garantias e extensos históricos de crédito, os provedores de microcrédito utilizam um modelo de empréstimos em grupo que alavanca o capital social para gerenciar riscos. Isso permite que as MFIs atendam a milhões de pessoas que estão excluídas dos mercados de crédito tradicionais. Além disso, as MFIs oferecem treinamento em educação financeira e outros serviços de apoio para ajudar os devedores a gerenciar seus empréstimos de forma eficaz. O microcrédito provou ser uma estratégia transformadora para a inclusão financeira, proporcionando oportunidades econômicas e empoderando comunidades subassistidas. Por exemplo, um estudo do Grameen Bank constatou que os programas de microcrédito têm um impacto significativo na redução da pobreza, aumentando a renda dos devedores em 43% em dois anos. Na Índia, um programa de microcrédito direcionado a mulheres empreendedoras ajudou a aumentar sua renda em 80%. ## Conceito **Plataformas de microcrédito baseadas em blockchain** utilizam contratos inteligentes, que são acordos autoexecutáveis que permitem que credores e devedores interajam diretamente sem intermediários. Isso elimina a necessidade de instituições financeiras tradicionais e reduz o custo do empréstimo, tornando o crédito mais acessível para aqueles que mais precisam dele. Os contratos inteligentes na blockchain podem automatizar o processo de solicitação de empréstimo, verificação e desembolso de fundos, reduzindo o tempo e os custos envolvidos no processamento manual de empréstimos. Os contratos inteligentes podem eliminar a necessidade de intermediários, como bancos ou outras instituições financeiras (que normalmente cobram altas taxas por seus serviços), resultando em custos indiretos reduzidos. Ao eliminar intermediários e simplificar a distribuição e o reembolso de empréstimos, há menos etapas envolvidas no processo de empréstimo e taxas de transação mais baixas para os devedores. Um dos principais benefícios do microcrédito baseado em blockchain é que ele fornece uma maneira mais eficiente e segura de gerenciar o processo de empréstimo. A tecnologia blockchain permite que os credores verifiquem a identidade dos devedores, avaliem a capacidade de crédito e rastreiem o reembolso do empréstimo em tempo real. Isso elimina a necessidade de verificação manual, reduzindo o tempo e o custo do processamento de empréstimos. Além disso, a tecnologia blockchain fornece um registro imutável de transações, garantindo que todas as atividades de empréstimo sejam transparentes e seguras. Outra vantagem do microcrédito on-chain é que ele pode ser usado para incentivar os devedores a reembolsar seus empréstimos em dia. Por exemplo, algumas plataformas de microcrédito usam a tokenização para recompensar os devedores pelo reembolso pontual. Os tokens podem ser usados ​​para acessar crédito adicional ou outros serviços financeiros, criando um incentivo para os devedores reembolsar seus empréstimos e construir um histórico de crédito positivo. No entanto, também existem alguns desafios associados ao microcrédito baseado em blockchain. Um dos principais desafios é garantir que a tecnologia seja acessível a quem mais precisa. Muitos dos não bancarizados e subbancarizados podem não ter acesso a smartphones ou outros dispositivos necessários para usar plataformas de microcrédito baseadas em blockchain. Além disso, há uma necessidade de mais educação e conscientização sobre a tecnologia blockchain e como ela pode ser usada para melhorar a inclusão financeira. Apesar desses desafios, o microcrédito baseado em blockchain tem o potencial de transformar a indústria de microcrédito e capacitar milhões de pessoas em todo o mundo. Ao aproveitar os benefícios da tecnologia blockchain, os provedores de microcrédito podem aumentar a eficiência, reduzir custos e melhorar o acesso ao crédito para os não bancarizados e subbancarizados. # Ecossistema de Microcrédito > **O recurso de microcrédito no dApp da carteira Libera permite que os empreendedores** tomem pequenos empréstimos de juros baixos para crescer ou manter seus pequenos negócios. Usando uma abordagem DeFi, este produto de microcrédito visa distribuir os microempréstimos em criptomoeda cUSD, devido à sua estabilidade e segurança, em direção a um ecossistema financeiro mais inclusivo, especialmente para redes empreendedoras subbancarizadas/não bancarizadas. Ele também permite que os devedores reembolsem seus valores de microcrédito diretamente ao tesouro do impactMarket, sem intermediários no processo. > Ele visa implementar a eficácia da tecnologia blockchain na redução de custos, melhoria da transparência e aprimoramento da confiança no processo de empréstimo. Além disso, pretendemos avaliar o impacto do microcrédito no empoderamento econômico dos mutuários, particularmente em termos de redução da pobreza, geração de renda e atividades empreendedoras. Três principais resultados do projeto de microcrédito: > * Acesso ao crédito para proprietários de negócios subbancarizados > * Empodera mulheres de baixa renda por meio de cargos gerenciais > * Gera receita para a empresa para sustentar o ecossistema de microcrédito > ## **Resultados esperados** > * O gestor de empréstimos, também denominado "*Mobile Banker*", completa um treinamento com a equipe do impactMarket no campo. > * Indivíduos autônomos ou proprietários de pequenos negócios são identificados pelos parceiros da impactMarket, ONGs, e pelo banqueiro móvel. > * Os mutuários selecionados concluem uma entrevista com a equipe de avaliação de microcrédito da impactMarket e o banqueiro móvel. > * O banqueiro móvel determina os valores dos empréstimos e fornece informações sobre cada negócio. > * O banqueiro móvel recebe cUSD da fonte principal de sua carteira Libera. > * O banqueiro móvel distribui os valores predeterminados aos mutuários em parcelas mensais usando cUSD na Libera ou em dinheiro fiduciário. > * O mutuário recebe as próximas parcelas do mês quando reembolsa seu saldo pendente ao banqueiro móvel. O valor é reembolsado pelos mutuários em dinheiro fiduciário. > O ecossistema de microcrédito já foi pilotado e lançado no Brasil e em Uganda, tanto em inglês quanto em português, e está em processo de lançamento na Nigéria, com mais escopo geográfico a ser integrado em breve. # Piloto em Uganda > Nosso piloto de microcrédito visa indivíduos que têm negócios pequenos e ativos com acesso limitado ou nenhum a serviços financeiros tradicionais. Esses pequenos empreendedores são de comunidades desfavorecidas e famílias de baixa renda. Ao nos aproximarmos desse público específico, pretendemos atender à lacuna de inclusão financeira e apoiar o desenvolvimento econômico no nível local. Há um foco especial em mulheres empreendedoras, de 21 a 51 anos, com a maioria dos empréstimos sendo distribuída para esse grupo-alvo. > O piloto permite que a empresa entenda melhor os requisitos de microcrédito dos usuários no país e na região em geral. Além disso, o piloto está testando a viabilidade de replicar condições estabelecidas, como taxas de juros e métodos de desembolso em um mercado diferente de empreendedores e uma nova abordagem personalizada ao microcrédito. O piloto também está testando o fluxo de Caixa-Entrada/Caixa-Saída (CICO) dentro da carteira Libera e fornecendo dados relevantes para criar um Painel do Banqueiro Móvel totalmente desenvolvido. > ## **Pontos-chave do Piloto de Microcrédito em Uganda:** 1. O piloto mostrou um progresso tremendo na identificação de alguns dos principais incentivos, como: Empréstimos repetidos para aqueles que reembolsam com um valor maior; Mulheres devedoras; Certas categorias de negócios que geram receita rápida (como negócios de Mobile Money). 2. Com o mecanismo de Embaixadores do País selecionando cuidadosamente os candidatos para o piloto, a qualidade dos candidatos garantiu uma alta taxa de seleção de mutuários. 3. De 196 entrevistas realizadas, 165 mutuários individuais foram aprovados para receber um microcrédito. 4. 59,05% dos mutuários são mulheres e 40,95% são homens. A idade média dos candidatos é de 28 anos, variando entre 21 e 51 anos. 84% são menores de 30 anos. 5. O valor médio do empréstimo concedido é de US$ 620,75, variando de US$ 200 a US$ 2.500. O valor médio solicitado é de US$ 765, variando de US$ 50 a US$ 5.350. 6. A maioria dos candidatos, 58%, pretende usar o empréstimo para expandir seus negócios, por exemplo, alugar uma loja maior, adquirir novos equipamentos, aumentar a variedade de seus produtos ou serviços, etc., enquanto 42% dos candidatos pretendem usar o empréstimo para manter seus negócios atuais, por exemplo, repor produtos/estoques, trocar equipamentos quebrados por outros mais novos e funcionando, atender às demandas dos clientes, etc. 60% das empresas de propriedade de mulheres indicam o desejo de expansão, em comparação com 56% das empresas de propriedade de homens. 7. Cerca de 12% dos empréstimos foram totalmente reembolsados. Todos antes de atingirem a maturidade total. # Teoria da Mudança Informação a ser disponibilizada em breve. # Renda Básica Incondicional (UBI) ## Conceito Renda Básica Incondicional (RBI) - em inglês *Unconditional Basic Income* (UBI) - é uma forma de renda que pressupõe que um grupo de pessoas tenha acesso, incondicionalmente, à renda suficiente e recorrente para superar de condições extremas. É um programa em que cada beneficiário recebe uma quantia fixa de dinheiro regularmente para melhorar sua vida e autonomia financeira. A plataforma impactMarket é uma infraestrutura financeira aberta, gratuita e descentralizada que permite a qualquer pessoa apoiar programas de RBI doando Celo Dollars (cUSD) a comunidades vulneráveis de forma transparente, sem intermediários (por exemplo, sem bancos), instantaneamente e quase sem custos, independentemente do país. # Ecossistema UBI ## **Existem 4 funções diferentes no impactMarket:** **Community Manager:** A pessoa que envia a comunidade para aprovação e gerencia todos os beneficiários da comunidade. Outros gerentes podem ser adicionados a uma comunidade para apoiar os beneficiários. Saiba como criar uma comunidade [aqui. ](broken://pages/-MYR0dPyDQ17FFhiZLEr) **Beneficiário:** A pessoa que terá acesso à UBI. Aprenda tudo sobre isso [aqui. ](https://app.gitbook.com/o/-MYIJ_zcoJLARejySPhm/s/lwvNfyoU6Z8TNTfm6sKG/~/changes/LyqJOfEIMpA9shSxYkWy/universal-basic-income/eu-quero-integrar-uma-comunidade) **Doadores:** Aqueles que contribuem e ajudam as comunidades a se esforçarem e aqueles que ousam sonhar. Saiba como contribuir [aqui.](https://app.gitbook.com/o/-MYIJ_zcoJLARejySPhm/s/lwvNfyoU6Z8TNTfm6sKG/~/changes/LyqJOfEIMpA9shSxYkWy/comunidades/como-fazer-uma-doacao) **Comerciantes:** Entidades que venderão bens (alimentos, eletricidade, água, etc.) aos beneficiários em troca de cUSD. **Quer submeter uma nova comunidade? Saiba como** [**aqui.**](https://app.gitbook.com/o/-MYIJ_zcoJLARejySPhm/s/lwvNfyoU6Z8TNTfm6sKG/~/changes/LyqJOfEIMpA9shSxYkWy/comunidades/how-communities-work/how-to-apply-a-community) ## Como arrecadamos fundos **Fundações/Subsídios:** nossa equipe de captação de recursos trabalha diretamente com fundações e se candidata a vários subsídios **Empresas:** para apoiar a sua estratégia de responsabilidade social **Parceiros:** contamos com diversos projetos web3 alinhados à missão que doam parte de seus lucros para comunidades de impactMarket **ONGs:** muitas organizações usam nosso protocolo para distribuir seus próprios fundos e/ou nos apoiar na arrecadação de fundos para suas comunidades **Pessoas físicas:** doando para as comunidades; apoiar campanhas de crowdfunding; destacando nossas comunidades nas mídias sociais; etc # Efeito Multiplicador do UBI Com seus mecanismos inovadores, como distribuições remotas, registros de transações transparentes e alcance de moeda utilizável até o último quilômetro, a impactMarket tem visto um crescimento social e econômico tremendo em suas comunidades desde 2020. Tendo distribuído mais de US$ 3 milhões em RBI, recursos adicionais como [impact Farming](https://www.impactmarket.com/pt-BR/crypto-hub#farming) e o novo [Deposite & Doe](https://www.impactmarket.com/pt-BR/crypto-hub#deposit-donate) oferecem incentivos especiais para doadores, garantindo que 100% de cada doação seja distribuída diretamente aos beneficiários do RBI da impactMarket, sem perder dinheiro em taxas e outras despesas. Os beneficiários recebem seu RBI individualmente, de forma privada e com primazia, o que lhes permite utilizar os fundos de acordo com suas necessidades e preferências específicas. Normalmente, esses fundos são usados ​​para cobrir necessidades básicas como alimentação e acesso à educação e muitas vezes servem como meio de iniciar pequenos negócios. Como resultado, com o influxo de novos fundos nessas comunidades, testemunhamos um aumento da atividade econômica e impactos positivos adicionais entre beneficiários e não beneficiários. A estabilidade e segurança financeira são frequentemente necessárias para que os indivíduos adotem e aproveitem a tecnologia, o que, por sua vez, impulsiona o crescimento econômico, a inovação, a educação e o progresso social. No entanto, é importante considerar que o impacto real depende de vários fatores, como a acessibilidade e a asequibilidade da tecnologia, o nível de infraestrutura tecnológica, a literacia tecnológica da população e as mudanças no estilo de vida são influenciadas por uma gama de recursos tecnológicos complementares. A missão, os produtos e os recursos da impactMarket estão alinhados com o fornecimento de RBI às nossas comunidades e seu ecossistema com esses benefícios, determinados da seguinte forma: 1. O aumento da capacidade dos indivíduos de poupar aumentou sua capacidade de gastar e comprar bens. Quando as pessoas têm mais dinheiro economizado, elas tendem a gastá-lo em bens e serviços, estimulando a atividade econômica. Esse aumento do consumo dos consumidores pode ter um efeito multiplicador, pois as empresas ganham mais receita, o que leva à criação de mais empregos e à renda. 2. O aumento do uso de uma stablecoin leva à popularidade e potencial para todo o ecossistema, neste caso, o Celo Dollar. O efeito multiplicador visto aqui é o aumento da confiança individual e coletiva em moedas não tradicionais, resultando em algumas vantagens, como inclusão e acessibilidade financeira, gastos menos com taxas de transação, segurança e primazia aprimoradas para o indivíduo, liberdade descentralizada dos sistemas financeiros e, por último, resiliência à crise econômica. 3. As recompensas de $PACT para os doadores resultam em potencial de crescimento e utilidade para o ativo e para cada um dos stakeholders. Doadores e investidores simplesmente recebem pagamentos mesmo se não participarem das atividades diárias do protocolo, mas são impactados pela lucratividade e valorização de sua doação. Isso pode ter efeitos positivos na economia geral, à medida que mais pessoas ganham acesso a serviços financeiros, realizam transações, aprendem sobre moedas não tradicionais e contribuem para o crescimento econômico. 4. Como efeito multiplicador de indivíduos recebendo RBI, lojas e mercados nas proximidades das comunidades RBI veem um aumento nas vendas e nos lucros como resultado do maior consumo de bens e serviços. 5. Dado que o RBI é acessado, transacionado e salvo usando o aplicativo para celular, Libera, vemos um aumento no uso individual da tecnologia. Com a exigência do RBI de acesso à Internet, os indivíduos são frequentemente levados a usar outros aplicativos em seus dispositivos - aplicativos de mídia social e mensagens, aplicativos de gerenciamento financeiro, aplicativos de educação e desenvolvimento de habilidades, aplicativos de saúde e telemedicina, aplicativos de busca de emprego e freelancer, aplicativos de serviços governamentais e muito mais. O RBI pode dar aos indivíduos um colchão financeiro, reduzindo suas preocupações financeiras imediatas e permitindo que eles aloquem recursos para a adoção e inovação da tecnologia. 6. O capital incondicional à sua disposição pode empoderar indivíduos de baixa renda, fornecendo-lhes a capacidade de se envolver com ferramentas financeiras, conhecimento e insights para gerenciar seu dinheiro de forma eficaz. Na maioria das vezes, esse aumento do envolvimento financeiro promove a literacia financeira, facilita a poupança e a definição de metas e incentiva comportamentos e decisões financeiras responsáveis. 7. Para o Microcrédito da impactMarket, o efeito multiplicador do RBI é a provisão de uma rede de segurança e redução das barreiras financeiras para indivíduos iniciarem negócios ou perseguirem ideias inovadoras. Isso incentiva o empreendedorismo e a tomada de riscos, levando a novos empreendimentos e à criação de empregos, o que estimula as economias local e nacional. 8. Para o produto Learn\&Earn da impactMarket, a provisão de RBI cria a capacidade dos indivíduos experimentarem e aprenderem com as finanças pessoais. A educação financeira aumenta seu conhecimento, o que por sua vez impulsiona a autonomia individual, bem como a responsabilidade financeira e a capacidade de participar de novos produtos de blockchain. 9. Este efeito multiplicador pode amplificar cada dólar várias vezes. Portanto, cada dólar não apenas apoia vários beneficiários, mas também circula dentro da comunidade, promovendo o desenvolvimento econômico local à medida que as condições de vida melhoram para todos os membros da comunidade. Ao aproveitar o potencial da blockchain, a impactMarket está aprimorando o bem-estar financeiro individual, o que ajuda a quebrar o ciclo da pobreza e a alcançar maior estabilidade econômica. # Impacto para Comunidades e Beneficiários Impactos econômicos e psicossociais da Renda Básica: Relatório baseado no caso de uso em campos de refugiados em Gana. O programa de Renda Básica Incondicional (UBI) da impactMarket foi implementado em quatro dos cinco campos de refugiados de Gana com a ajuda de uma ONG loca e alguns dos moradores de cada campo. O Krisan Refugee Camp mostrou o maior interesse e a adoção mais rápida do programa, que atingiu 80% de sua população em 6 meses. O programa inclui qualquer indivíduo que tenha acesso a um smartphone e fornece US$ 1,50 por dia diretamente nele. Destes beneficiários, 65 refugiados participaram (10% da população total de beneficiários) no estudo que explorou duas áreas: os impactos psicossociais e os impactos econômicos do UBI movido a blockchain. A duração do estudo foi de 8 meses e suas metodologias incluíram pesquisas, questionários autodeclarados e entrevistas semiestruturadas aprofundadas. Os participantes foram agrupados como Indivíduos, Donas de Casa, Empresários e Líderes Comuns. Os "Indivíduos" incluíam estudantes, trabalhadores, agricultores e refugiados desempregados, enquanto os Líderes Comuns incluíam professores de escolas próximas, líderes de campos, pastores e imãs dos campos. ## Um caso econômico para o UBI da impactMarket Uma parte do relatório se concentra no impacto econômico do UBI para os beneficiários em Krisan, analisando as mudanças no comportamento de consumo dos beneficiários, sua capacidade de poupar e investir e sua interação com o mercado de trabalho. Aqui estão alguns dos destaques relatados por um pesquisador independente. * O relatório revela que o principal uso desses fundos pelos beneficiários de Krisan foi para a compra de alimentos, representando 26% do total distribuído. * Além de resolver a insegurança alimentar, a introdução do UBI em Krisan criou novas dinâmicas na comunidade. Uma mudança notável é a utilização dos fundos recebidos para a compra de créditos de celular, com 11% dos habitantes do campo optando por esse gasto. O relatório sugere que os dados móveis caros em Gana motivaram essa decisão. Com o acesso à internet possível, 43% dos participantes observaram um aumento no uso do smartphone. * Uma conexão à internet foi descrita por um refugiado da Serra Leoa como um desenvolvimento que muda a vida, permitindo transações comerciais e comunicação com familiares por meio do WhatsApp. Outro achado significativo do estudo é que 20% dos beneficiários usaram os fundos para educação, superando os gastos com roupas (13%) e transporte (17%). * O acesso a uma quantia recorrente para atender às necessidades básicas também teve um efeito direto no aumento do percentual de alunos que podem frequentar a escola (de mensalidades a suprimentos) e terem mais foco graças à nutrição melhorada. Sendo que a educação é um dos principais fatores para quebrar o ciclo da pobreza e desbloquear o acesso a melhores oportunidades profissionais e condições de vida, o UBI tem o potencial de causar um impacto positivo duradouro e intergeracional. * As mulheres, em especial, se beneficiaram do UBI não só apoiando suas famílias, principalmente seus filhos, mas também puderam investir em suprimentos femininos pessoais. ## Caso psicossocial para o UBI da impactMarket Embora o impacto econômico do UBI possa ser claramente esperado a princípio, o efeito psicológico é tremendo e foi analisado na segunda parte do relatório. O diagrama abaixo mostra a frequência do uso de palavras durante as entrevistas, refletida pelo tamanho da fonte.
* O relatório explica que as mudanças podem ser analisadas de uma perspectiva de dinâmica familiar, examinando o papel das mulheres, ou em termos das metas e sonhos individuais em evolução à medida que o estresse diário é aliviado. * Os dados do relatório indicam um aumento de 63% no otimismo entre os moradores de Krisan, acompanhado de uma redução de 17% nos níveis de ansiedade. * Um pastor que vive em Krisan mencionou que antes da implementação do UBI, os moradores estavam muito frustrados para interagir uns com os outros. * Outro testemunho de uma mulher na comunidade revela que sua família “encontrou a felicidade” depois de receber o UBI, pois agora podem alimentar seus filhos quando antes lutavam para alimentá-los. * O programa de UBI da impactMarket trouxe mudanças significativas na vida das pessoas e em seus relacionamentos no campo. Ele instilou um senso de resiliência, apesar das ansiedades contínuas sobre sua condição de apátrida. O relatório completo (em inglês) está disponível para download aqui. # Teoria da Mudança Informação a ser disponibilizada em breve. # Libera - Carteira Crypto
Libera é uma carteira de criptomoedas desenvolvida pela impactMarket na rede de blockchain da Celo. Com Libera, você pode acessar diversos serviços financeiros de forma prática, inclusiva e moderna. Com o próposito de contribuir para a Inclusão Financeira, Libera é um aplicativo leve, fácil de usar, seguro e com taxas reduzidas. Acreditamos que blockchain não precisa de ser algo complicado. Blockchain tem o potencial de empoderar aqueles com nenhum ou poucos recursos financeiros no mundo tudo e esse é precisamente o papel da carteira digital Libera como uma solução chave relacionada ao protocolo impactMarket. Libera permite guardar e gerenciar os seus ativos em criptomoedas de forma segura, enviar e receber criptomoedas, incluindo o mecanismo exclusivo que permite a beneficiários da impactMarket solicitar a sua renda básica incondicional. Em breve outros recursos serão adicionados, incluindo as opções de acesso fácil a depósito e saque, staking de tokens PACT, entre outros. Libere o seu potencial e baixe agora mesmo a carteira Libera na [Play Store](https://play.google.com/store/apps/details?id=com.impactmarket.mobile&) e na [App Store](https://apps.apple.com/us/app/impactmarket/id1530870911). # Aprenda e Ganhe A literacia financeira é um elemento fundamental para alcançar a independência e a segurança, fornecendo a conscientização e as habilidades necessárias para tomar decisões informadas sobre orçamento, poupança, investimento e outras atividades financeiras que orientam por meio de uma cidadania financeira sólida. À medida que o comportamento financeiro e a interação se deslocam para um mundo mais digitalizado, torna-se cada vez mais necessário entender a tecnologia financeira e a blockchain. Como não há inclusão financeira sem literacia financeira, este produto faz parte da missão de inclusão financeira de empoderar comunidades subdesenvolvidas com conhecimento e aprendizado financeiro relevante. O que este programa oferece são cursos de fácil compreensão na forma de lições de conteúdo educacional para todos os nossos beneficiários, que em breve estarão disponíveis para todos os usuários do Libera, pois capacita a literacia financeira em torno da blockchain para mulheres, crianças e comunidades de baixa renda com acesso limitado a serviços bancários. Este conteúdo permite que eles entendam melhor os projetos dos parceiros da impactMarket que contribuem para sua independência financeira. O Aprenda e Ganhe é uma grande oportunidade para parceiros alinhados com a missão expandir seu alcance, conscientização e engajamento em escala global em mercados com um potencial de crescimento impressionante. É também uma porta de entrada para usuários de países em desenvolvimento descobrirem novas oportunidades, tecnologias e conhecimentos úteis para ter uma vida mais próspera. # 3. Protocolo impactMarket # Token PACT [$PACT é o token de governança da impactMarket](https://medium.com/impactmarket/introducing-pact-governance-token-airgrab-impact-farming-4e99c899701e). Atua como um meio global de governança que capacita os participantes por meio de mecanismos de tomada de decisão e de incentivo abrangentes. Os **detentores de tokens** terão a capacidade de influenciar a saúde, direção, crescimento e impacto futuros do protocolo: * **Delegação de poder de voto:** Qualquer detentor de token pode delegar poder de voto para si mesmo, para alguém em quem confia ou para os principais participantes do protocolo. Você pode votar com qualquer quantidade de tokens; você não precisa apostar neles, apenas guarde-os em sua carteira. * **Verificação e validação das comunidades:** Cada nova comunidade UBI será submetida como proposta e revisada por detentores de tokens, que podem votar em sua aprovação. As comunidades verificadas podem solicitar financiamento diretamente do DAO. * **Gerenciar/Atualizar:** parâmetros-chave, fórmulas de cálculo, alocação de tesouraria e incentivos. ## Tokenomics **Fornecimento Total**: 10 Bilhões de PACT ao longo dos próximos 10+ anos (a partir de 2021). **Distribuição**: 40% para a comunidade, 30% para a impactLabs, 20% como reserva da DAO e 10% para participantes iniciais. # impact Farming e Staking ## **impact Farming** **impact Farming** é um mecanismo de incentivo criado para recompensar regularmente os contribuidores pelo seu apoio. Ele permite que qualquer pessoa reivindique $PACT tokens como **recompensa** por suas contribuições cUSD para apoiar o UBI em comunidades vulneráveis. Novos tokens $PACT estarão disponíveis a cada época (24h) e podem ser reivindicados 15 epochs após cada contribuição. O **cálculo e a alocação de recompensas** acontecerão com base em quanto $ cUSD cada contribuidor doou versus o total arrecadado em 30 épocas. Saiba mais [aqui](https://medium.com/impactmarket/pact-tokenomics-v2-new-improvement-proposals-2149435444f3). {% hint style="info" %} impact Farming só está disponível ao doar Celo Dólares através da [página](https://www.impactmarket.com/pt-BR/governance) específica ou na página de [cada comunidade](https://app.impactmarket.com/pt/communities). O envio direto da doação para o endereço do contrato inteligente não é considerado para recompensas. {% endhint %} ## Staking de tokens $PACT Ganhe mais recompensas ao fazer staking de seus tokens $PACT. Em caso de dúvidas, acesse nosso [FAQ](https://support.impactmarket.com/) (Perguntas Frequentes). # Votação e Governança # 4. Mensuração de Impacto A medição de impacto é o processo pelo qual a impactMarket quantifica e avalia os efeitos, resultados ou mudanças resultantes de cada uma de suas intervenções, protocolos e projetos. O objetivo de estabelecer um departamento de medição de impacto é determinar se os objetivos e metas pretendidos da impactMarket foram alcançados e em que medida. Os processos envolvem a coleta e análise de dados para avaliar os efeitos sociais, econômicos, psicossociais ou outros de cada intervenção ou ação. Os resultados que esperamos para as comunidades que se beneficiam de nossas ferramentas financeiras é que suas vidas sejam enriquecidas, de forma sustentável e a ponto de progredir para fora da pobreza. Estudamos esse progresso em nossas comunidades usando essas medidas nos níveis individual e comunitário: 1. Independência financeira para mulheres e crianças 2. Aumento da alfabetização financeira e inclusão para todos os membros da comunidade, direta ou indiretamente 3. Aumento do acesso a oportunidades, habilidades e renda 4. O grau em que a qualidade de vida é enriquecida pelo aumento do acesso a serviços e instalações básicas 5. O grau de progresso para fora da pobreza multidimensional 6. Desenvolvimento socioeconômico Ao medir o impacto de uma intervenção tecnológica em pessoas que vivem na pobreza, é importante para a impactMarket considerar uma gama de indicadores sociais, econômicos e de bem-estar. O objetivo é avaliar como nosso protocolo multifacetado está afetando suas vidas, atendendo às suas necessidades e contribuindo para sua melhoria econômica geral. Além de sermos guiados por alguns dos ODS centrais, as áreas específicas de um indivíduo e de uma comunidade que prestamos atenção especial e avaliamos os resultados são: 1. Renda e emprego 2. Acesso a serviços básicos 3. Desenvolvimento de habilidades e educação 4. Adoção de tecnologia 5. Inclusão financeira 6. Igualdade de gênero 7. Saúde e nutrição 8. Dinâmica familiar e de gênero 9. Capital social e desenvolvimento comunitário 10. Economia local e cadeia de valor 11. Impacto natural e ambiental 12. Resiliência a desastres É essencial que o Departamento de Medição de Impacto escolha indicadores que sejam relevantes para os objetivos específicos de cada produto da impactMarket, envolvam a participação das comunidades e usem uma combinação de métodos quantitativos e qualitativos para fornecer uma compreensão abrangente de seu impacto nas pessoas empobrecidas. Ao empregar esses indicadores para produzir resultados e relatórios baseados em evidências, usando pesquisas no aplicativo, coletores de dados em campo e informações armazenadas, o tipo de dados em que o departamento se baseia são: 1. Dados on-chain (transacionais, de poupança, padrões financeiros) 2. Dados quantitativos do sistema do protocolo (atividade, interações com o aplicativo) 3. Qualitativos (de entrevistas, estudos anteriores) 4. Elementos etnográficos 5. Dados observacionais de Embaixadores e Líderes Comunitários (por exemplo, aumento do uso da tecnologia) 6. KYC - Idade, Sexo, Número de filhos, Localização) Ao combinar estudos internos, aprendizados e resultados com parcerias com universidades e especialistas em pesquisa de renome mundial, a impactMarket permite a exploração de seus próprios produtos em comunidades globais e impacto específico de área, como inclusão financeira, em escala global. Isso permite que os produtos da impactMarket sejam introduzidos e avaliados de forma transparente em uma plataforma que trabalha para o desenvolvimento global e frequentemente contribui para discussões sobre o uso da blockchain para impacto social e desenvolvimento. A metodologia da impactMarket para medir o impacto segue um código ético interno, bem como obtém todas as aprovações éticas necessárias de acordo com o país e a comunidade em estudo. Todas as atividades de pesquisa são centradas em métodos participativos, compreensão etnográfica e aprendizagem compassiva. Usamos ferramentas inovadoras para obter as avaliações mais honestas e aprofundadas, de modo a informar de forma transparente todas as partes interessadas, ganhar credibilidade como ferramenta de desenvolvimento e, eventualmente, influenciar as decisões de política no ecossistema impactMarket de nosso impacto combinado. # Relatórios e Estudos de Caso ## Microcrédito {% embed url="" %} {% embed url="" %} ## UBI {% embed url="" %} ## Annual Report {% embed url="" %} # Nosso Time ## Liderança A impactMarket é construída por uma equipe diversificada de talentos de todo o mundo. Falando sobre diversidade, temos orgulho de destacar que metade de nossos líderes são mulheres, uma exceção não apenas no ecossistema Web3, mas em várias indústrias. Isso diz muito sobre nós, nossos valores e nosso trabalho na impactMarket. Conheça nossos líderes inspiradores abaixo e encontre suas fotos [aqui](https://drive.google.com/drive/folders/1e4eaVOLmZ6nDVpCQvMRwD8mSny14WzvA?usp=share_link). Para informações adicionais, entre em contato conosco pelo e-mail . William Le - Diretor Executivo Marco Barbosa - Cofundador e Presidente Bernardo Vieira - Cofundador e Diretor de Tecnologia Afonso Barbosa - Cofundador e Diretor de Produto e Design Jessica Gaubert - Diretora de Operações Susanne Zapelão - Diretora de Marketing Mariana Vilaça - Gerente de Recursos Humanos Ana Catarina Neves - Gerente de Sucesso da Comunidade *** ## Carreiras Fique ligado no [LinkedIn](https://www.linkedin.com/company/impactmarket/) da impactMarket para acompanhar as vagas em aberto em nossa equipe e acesse também nosso portal de Carreiras: {% embed url="" %} # Kits de Marca e Mídia Recursos para você compartilhar sobre a impactMarket Uma maneira poderosa de apoiar nossa missão é compartilhar sobre o impactMarket, nossas histórias de impacto e casos de uso, e nossos produtos. Você pode encontrar recursos úteis aqui para comunicar sobre o impactMarket, garantindo consistência e uso correto de nossos ativos de marca. ### Protocolo impactMarket * [Kit de marca](https://drive.google.com/file/d/1sowqxGudKAUhQP5aUZu_uNVwJAjipPxb/view?usp=sharing) * [Logos e símbolo ](https://drive.google.com/drive/folders/1dKjMkdXxA7vrCHoOOdDebHYp40RbPg-1?usp=share_link) ### Carteira Crypto Libera * [Kit de marca](https://drive.google.com/file/d/1Zy0K3piVx6YvadMtrR696pb3E6Ysyq7C/view?usp=sharing) * [Logos e símbolo](https://drive.google.com/drive/folders/1CeXFU6gVDztvl0pral31pXFLOmNRNrQ3?usp=share_link) ### Os líderes da impactMarket * [Conheça nossos líderes](/portugues-brasil-1/general/nosso-time) * [Fotos](https://drive.google.com/drive/folders/1e4eaVOLmZ6nDVpCQvMRwD8mSny14WzvA?usp=share_link) {% hint style="info" %} Nossos ativos de marca e marcas registradas pertencem exclusivamente à impactMarket. Para manter a sua consistência, pedimos que todo uso de terceiros de nossos ativos de marca seja apropriado e autorizado. Permanecemos à disposição em caso de dúvidas ou caso precise de outros recursos que não estão disponíveis aqui. Você pode entrar em contato conosco em . {% endhint %} # Parcerias Olá, estamos muito felizes que você esteja interessado em contribuir para a realização de sonhos! Por favor, para propostas de marketing e negócios, entre em contato com # Legal Aqui você tem os artigos nesta secção: {% content-ref url="/pages/SE8f4F6zbVVhEeszMSUB" %} [Política de Privacidade de Dados (GDPR)](/portugues-brasil-1/general/legal/politica-de-privacidade-de-dados-gdpr) {% endcontent-ref %} {% content-ref url="/pages/Bw6Nmq87gSkBI7BnCtv6" %} [Termos e Condições de Uso do App e Site impactMarket](/portugues-brasil-1/general/legal/termos-e-condicoes-de-uso-do-app-e-site-impactmarket) {% endcontent-ref %} {% content-ref url="/pages/Knv73ZWwmHwTX6vXdlQO" %} [Política de Privacidade](/portugues-brasil-1/general/legal/politica-de-privacidade) {% endcontent-ref %} # Política de Privacidade de Dados (GDPR) Esta política de privacidade de dados explicará como a impactMarket usa os dados pessoais que coletamos de você quando você usa nosso site ou nossos aplicativos móveis. Palavras e termos usados nesta política de privacidade, salvo definição em contrário, terão os significados atribuídos a eles no Regulamento Geral de Proteção de Dados da União Europeia ("GDPR"), na Lei Geral de Proteção de Dados ("LGPD") do Brasil e na Política de Privacidade do Consumidor da Califórnia Lei de 2018 ("CCPA"), todas alteradas de tempos em tempos. As referências ao GDPR devem ser consideradas como incluindo o GDPR conforme incorporado à lei do Reino Unido sob a Lei de Proteção de Dados de 2018 (DPA 2018). **Tópicos:** * Que dados recolhemos? * Como coletamos seus dados? * Como usaremos seus dados? * Como armazenamos seus dados? * Manutenção de registros * Marketing * Quais são os seus direitos de proteção de dados? * O que são cookies? * Como usamos cookies? * Que tipos de cookies usamos? * Como gerir os seus cookies * Políticas de privacidade de outros sites * Alterações à nossa política de privacidade * Como entrar em contato conosco * Como entrar em contato com as autoridades competentes ### **Que dados recolhemos?** impactMarket coleta os seguintes dados: * Informações de identificação pessoal (Nome e Sobrenome (ambos opcionais), idade, sexo, endereço de e-mail, biografia, número de dependentes, número de telefone, fotografia) * Informação de dispositivo Informações do navegador Informações sobre a sua localização * Controles de conta * Configurações da conta * Dados de cookies * Dados de registro * Dados de anunciantes e outros parceiros de anúncios * Dados do Desenvolvedor * Informações públicas que você fornece, incluindo suas informações de perfil e foto ### **Como coletamos seus dados?** Você fornece diretamente à impactMarket a maioria dos dados que coletamos. Nós apenas coletamos informações pessoais em nosso site ou em nosso aplicativo quando você as fornece voluntariamente para nós. Coletamos e processamos dados quando você: * Se registra online ou cria um Perfil e uma conta para subscrever qualquer um dos nossos serviços. * Carrega uma foto e cria um nome de usuário e senha. Publica materiais em nosso site ou aplicativo. * Realiza pesquisas em nosso Site ou Aplicativo. * Assina voluntariamente as comunicações ou entra em contato conosco em qualquer um de nossos quadros de mensagens ou por e-mail. * Usa ou visualiza nosso site por meio dos cookies do seu navegador. * Forneça qualquer outra informação voluntariamente ao usar nosso Site e nosso Aplicativo. Nossa Empresa também pode receber seus dados indiretamente das seguintes fontes: * Informações sobre seu computador ou dispositivo e conexão com a internet, incluindo sistema operacional e tipo de navegador. * Detalhes de suas visitas ao nosso Site e ao nosso Aplicativo, incluindo registros e dados de tráfego. ### **Como usaremos seus dados?** A nossa Empresa recolhe os seus dados para que possamos: * Criar sua conta, criar seu perfil e gerenciar sua conta. * Armazenar informações quanto ao seu perfil e preferências do usuário. * Enviar-lhe um e-mail com ofertas especiais sobre nossos produtos e serviços que achamos que você pode gostar. * Enviar notificações push alertando sobre novos recursos ou executando uma ação, como atualizar o aplicativo. * Acompanhar suas visitas ao nosso site e nosso aplicativo para publicidade e análise. * Fornecer publicidade personalizada e compartilhamento de dados com clientes ou aplicativos da Web de terceiros. * Acompanhar o tamanho do público e os padrões de uso. * Reconhecer você como um usuário recorrente em nosso Site ou nosso Aplicativo Para os dados coletados, as principais bases legais/bases nas quais contamos para tal processamento são a necessidade ou consentimento contratual. ### **Como armazenamos seus dados?** Nossa empresa armazena com segurança seus dados em locais seguros centralizados. Protegemos seus dados por meio de criptografia em trânsito e em repouso. Seus dados serão armazenados de acordo com os requisitos aplicáveis de retenção de registros do impactMarket, quaisquer outras leis aplicáveis. Nossa Empresa manterá seus dados pessoais enquanto sua conta e Perfil estiverem ativos. Depois de desativar sua conta e perfil, excluiremos seus dados em 30 dias. Nossa empresa manterá os dados de registro por 18 meses. Depois que esse prazo expirar, excluiremos seus dados. ### **Manutenção de registros** Nossa empresa mantém um registro de quando e como recebemos seu consentimento para coleta e processamento de dados. Nossa empresa mantém um registro de exatamente o que e onde você foi informado no momento de seu consentimento. Revisamos regularmente os consentimentos para verificar se seu relacionamento, o processamento e seus propósitos não foram alterados. ### Marketing Nossa Empresa gostaria de lhe enviar informações sobre produtos e serviços nossos que achamos que você possa gostar, bem como os de nossas empresas parceiras. Se você concordou em receber as nossas comunicações , você sempre pode cancelar em uma data posterior. Você tem o direito, a qualquer momento, de impedir que a impactMarket entre em contato com você para fins de marketing. Se você não deseja mais ser contatado para fins de marketing, envie um email para . ### Quais são os seus direitos de proteção de dados? A impactMarket gostaria de garantir que você esteja totalmente ciente de todos os seus direitos de proteção de dados. Todo usuário tem direito ao seguinte: **O direito de acesso** - Você tem o direito de solicitar à Nossa Empresa cópias de seus dados pessoais. Podemos cobrar uma pequena taxa por este serviço. **O direito de retificação** - Você tem o direito de solicitar que Nossa Empresa corrija qualquer informação que acredite ser imprecisa. **O direito de apagar** - Você tem o direito de solicitar que a impactMarket apague seus dados pessoais, salvos em nossos servidores, sob certas condições. Todos os dados registrados na blockchain Celo são imutáveis e a impactMarket não pode alterá-los. **O direito de restringir o processamento** - Você tem o direito de solicitar que a impactMarket restrinja o processamento de seus dados pessoais, sob certas condições. **O direito de se opor ao processamento** - Você tem o direito de se opor ao processamento impactMarket de seus dados pessoais, sob certas condições. **O direito à portabilidade de dados** - Você tem o direito de solicitar que a impactMarket transfira os dados que coletamos para outra organização, ou diretamente para você, sob certas condições. Se você fizer uma solicitação, temos um mês para responder. Se você deseja exercer algum desses direitos, entre em contato conosco pelo nosso e-mail: ### Cookies Cookies são arquivos de texto colocados em seu computador para coletar informações padrão de registro da Internet e informações sobre o comportamento do visitante. Quando você visita nossos sites, podemos coletar suas informações automaticamente por meio de cookies ou tecnologia semelhante. Para mais informações, visite allaboutcookies.org. **Como usamos cookies?** Nossa empresa usa cookies de várias maneiras para melhorar sua experiência em nosso site, incluindo: * Mantendo você conectado * Entendendo como você usa nosso site **Que tipos de cookies usamos?** Existem vários tipos diferentes de cookies, no entanto, nosso site usa: **Funcionalidade** - Nossa empresa usa esses cookies para que possamos reconhecê-lo em nosso site e lembrar de suas preferências previamente selecionadas. Isso pode incluir o idioma de sua preferência e o local em que você está. Uma mistura de cookies primários e de terceiros é usada. **Como gerir os cookies** Você pode configurar seu navegador para não aceitar cookies, e o site acima informa como remover cookies de seu navegador. No entanto, em alguns casos, alguns dos recursos do nosso site podem não funcionar como resultado. ### Políticas de privacidade de outros sites O site da impactMarket contém links para outros sites. A nossa política de privacidade aplica-se apenas ao nosso website, pelo que se clicar numa ligação para outro website, deverá ler a respectiva política de privacidade. ### Como entrar em contato conosco Se você tiver alguma dúvida sobre a política de privacidade da impactMarket, os dados que coletamos ou se desejar exercer um de seus direitos de proteção de dados, não hesite em nos contatar. ### Alterações à nossa política de privacidade Nossa empresa mantém sua política de privacidade sob revisão regular e coloca quaisquer atualizações nesta página da web. # Termos e Condições de Uso do App e Site impactMarket **1.IDENTIFICAÇÃO DO RESPONSÁVEL PELO APLICATIVO** 1.1. Os presentes Termos e Condições de Utilização (doravante os "Termos e Condições") regem a utilização do "app impactMarket" para dispositivos móveis, compatível com o sistema iOS ou Android (doravante a "App") gerida pela impactLabs, com sede em Rua Irmãs Missionárias do Espírito Santo, n°37, 4715-213 Braga, Portugal, portador do número de contribuinte português 516228293, email: (doravante "impactLabs"). **2.OBJETO** 2.1. Estes Termos e Condições são direcionados aos Usuários que fazem parte de uma comunidade vulnerável e pretendem se beneficiar do Sistema de Renda Básica Incondicional. 2.2. O aplicativo impactMarket permite que qualquer pessoa em uma comunidade vulnerável registrada como beneficiária receba uma Renda Básica Incondicional. Para tal, um gestor de comunidade deve criar uma comunidade na plataforma e registar no aplicativo cada beneficiário da comunidade específica. A partir daí, os beneficiários podem começar a sacar seus Celo Dollars e receber o valor na conta Valora (carteira digital Celo, outro App). 2.3. Ao utilizar a App impactMarket, o Utilizador aceita os presentes Termos e Condições e declara para todos os efeitos que tem capacidade jurídica para contratar e para assumir todas as obrigações associadas a tal contratação. **3.USO DO APLICATIVO** 3.1. O acesso e a navegação no App são gratuitos e não carecem de registro. No entanto, para se beneficiar da Renda Básica Incondicional, é necessário estar cadastrado como beneficiário no App. 3.2. O acesso e navegação no App implica a aceitação expressa e sem reservas dos presentes Termos e Condições. 3.3. A aceitação e o cumprimento dos Termos e Condições serão obrigatórios para qualquer Utilizador que acessa, navegue ou utilize o App. Se você não concorda com estes Termos e Condições, por favor, não use o App. **4.CONDIÇÃO DO USUÁRIO** 4.1. Para poder utilizar o aplicativo e, assim, se beneficiar da Renda Básica Incondicional, será necessário cadastrar o número da conta Valora do Beneficiário. 4.2. Para criar uma conta de usuário no Valora App, consulte os requisitos especificados diretamente pelo Valora. O App impactMarket não tem acesso às informações pessoais do Usuário incluídas no Valora. **5.PROCEDIMENTO PARA RECEBER A RENDA BÁSICA INCONDICIONAL** 5.1. Conforme dito anteriormente, para se tornar beneficiário e receber a Renda Básica Incondicional, é necessário ser cadastrado por um gestor de comunidade em uma comunidade já existente no App. Para tanto, informamos que a inclusão fica a cargo do gestor da comunidade de acordo com a estratégia e requisitos específicos de cada comunidade. Apenas indivíduos podem se beneficiar da renda básica. 5.2. Sendo um Beneficiário válido, caso pretenda receber o valor monetário a que tem direito, deverá informar o número da sua conta Valora, onde é depositado a renda básica designado sempre que reclamar através da App da impactMarket. Os parâmetros do contrato inteligente, valor por sinistro, frequência de sinistro, valor total por beneficiário e incremento de tempo por sinistro são predefinidos quando a comunidade é criada e não podem ser alterados. Quando você é beneficiário, o que você vai receber é exatamente o que foi definido na criação da comunidade da qual você faz parte. 5.3. Depois de se tornar um beneficiário, você pode se beneficiar do RBI até reivindicar o valor total designado a você no contrato inteligente da comunidade. Após receber o valor total, você não poderá ser adicionado novamente como beneficiário de nenhuma comunidade no App da impactMarket. O gerente da comunidade tem o direito de removê-lo como beneficiário da comunidade e, nesse caso, você não terá mais o direito de se beneficiar do RBI relacionado ao contrato inteligente da comunidade. **6.PREÇOS E OUTRAS TAXAS** 6.1 Para se beneficiar da Renda Básica Incondicional distribuída pelo APP impactMarket, o beneficiário não terá que arcar com nenhum custo. **7.DIREITO DE RETIRADA** 7.1. O Utilizador do website e app reconhece e assume, para todos os efeitos legais, que o contrato será imediatamente executado. Assim, o Utilizador consente e reconhece que não beneficia do direito de rescisão do contrato celebrado através da App ou Site. **8.REGRAS DE USO DO APLICATIVO** 8.1. Não é permitido o acesso ou uso do App para fins ilícitos ou não autorizados e, por isso, as consequências serão de responsabilidade exclusiva do Usuário; mais especificamente, são proibidos, a título enunciativo mas não limitativo: O uso do App para a transmissão, instalação ou publicação de qualquer vírus, código malicioso ou outros programas ou arquivos nocivos. Acessar, sem autorização, qualquer seção do App, outros sistemas ou redes conectadas ou os serviços oferecidos através do App, por meio de hacking, falsificação, extração de senha ou qualquer outro meio ilegítimo. Violar ou tentar contornar as medidas de segurança ou autenticação do App ou qualquer rede conectada, ou as medidas de segurança e proteção inerentes ao conteúdo oferecido no App. Realizar qualquer ação que cause uma saturação desproporcional, injustificada e desnecessária na infraestrutura do App ou nos sistemas de rede do App, ou impeça o normal desenvolvimento de um evento, concurso, promoção ou qualquer outra atividade disponível através do App ou qualquer de suas funcionalidades, seja alterando ou tentando alterar, ilegalmente ou não, o acesso, participação ou operação, falsificando o resultado e/ou utilizando métodos de participação fraudulentos, por qualquer procedimento e/ou por qualquer prática que viole de alguma forma estes Termos e Condições. 8.2. O Utilizador que não cumpra as condições previstas nesta cláusula será responsável por qualquer reclamação por danos que daí possam advir. Mesmo que não haja reclamação de terceiros, a impactLabs reserva-se o direito de impedir o acesso à App a Utilizadores que violem estas condições. **9.PROPRIEDADE INTELECTUAL** 9.1. O Utilizador reconhece e aceita que todas as marcas, nomes comerciais ou logótipos, bem como quaisquer outros direitos de propriedade intelectual sobre os conteúdos, produtos e/ou quaisquer outros elementos relativos à App são propriedade exclusiva da impactLabs (doravante "Propriedade Intelectual da impactLabs") . 9.2. O aplicativo como um todo e o trabalho artístico multimídia são protegidos por direitos autorais pela lei aplicável. 9.3. Também é proibido remover, ignorar ou manipular os direitos autorais ou outros avisos de impactLabs, bem como os dispositivos técnicos de proteção ou quaisquer mecanismos de informação/proteção que possam conter o conteúdo. 9.4. Salvo acordo em contrário, concedemos a você uma licença limitada, não exclusiva e não sublicenciável para acessar, instalar e usar o Aplicativo exclusivamente para fins pessoais e não comerciais, condicionado à sua conformidade com estes Termos. 9.5. Você não usará, copiará, adaptará, modificará, descompilará, fará engenharia reversa, desmontará, descriptografará, tentará derivar o código-fonte de, preparará trabalhos derivados com base em, distribuirá, licenciará, venderá, alugará, transferirá, exibirá publicamente, executará publicamente, transmitir, transmitir, difundir ou explorar de outra forma o Software e o Conteúdo, exceto conforme expressamente permitido por nós ou conforme permitido pela lei aplicável. 9.6. Qualquer uso não autorizado do App é estritamente proibido e rescindirá a licença concedida nestes Termos. 9.7. Nenhuma licença ou direito é concedido a você por implicação ou de outra forma, exceto pelas licenças e direitos expressamente concedidos a você. **10.DADOS PESSOAIS** O tratamento de dados pessoais efetuado pela impactLabs cumpre a legislação em vigor em matéria de proteção de dados, nomeadamente o Regulamento (UE) 2016/679 do Parlamento Europeu e do Conselho de 27 de abril de 2016 sobre a proteção das pessoas singulares no que diz respeito ao tratamento de dados pessoais e sobre a livre circulação de tais dados ("Regulamento Geral de Proteção de Dados") e outra legislação nacional e da UE aplicável. Para mais informações, por favor consulte a nossa Política de Privacidade. **11.RESPONSABILIDADE** 11.1. As partes se comprometem a cumprir suas obrigações legais e contratuais geradas em virtude deste contrato. Se uma das partes deixar de cumprir alguma de suas obrigações ou impedir o cumprimento pela outra parte, a outra parte terá o direito de reclamar uma indenização, tanto por danos quanto pelas consequências de lucros cessantes. 11.2. As partes serão responsáveis por quaisquer infrações que tenham ocorrido dolosamente, sendo a outra parte indemnizada por qualquer erro, culpa ou negligência que não lhe sejam imputáveis, e por quaisquer danos decorrentes de tais infrações ou erros imputáveis à outra parte. 11.3. Você reconhece e concorda que a impactLabs não garante ou é responsável por, incluindo, mas não limitado ao seguinte: * Continuidade do conteúdo do App; * Ausência de vírus e/ou outros componentes nocivos no App ou no servidor que o hospeda; * A invulnerabilidade da App e/ou impossibilidade de violação das medidas de segurança adotadas; * Má transmissão e/ou recepção de quaisquer dados e/ou informações na internet; * Falha de qualquer material de recebimento ou linhas de comunicação; * Qualquer disfunção na rede de internet, que impeça o correto funcionamento da App e/ou o correto desenvolvimento dos serviços; * A falta de utilidade ou desempenho da App; * Danos causados a si ou a terceiros, por qualquer pessoa que infrinja as condições, regras e instruções que a impactLabs estabelece na App impactMarket ou através da violação dos seus sistemas; * Quaisquer consequências no desempenho dos serviços do App derivadas de informações falsas ou incompletas fornecidas pelo usuário; 11.4. impactLabs não será responsável por qualquer dano causado ao software ou equipamento do usuário durante o uso do App, nem por qualquer dano ou perda de qualquer tipo produzido ao usuário que seja derivado de falhas ou desconexões nas redes de telecomunicações, que produzem o suspensão, cancelamento ou interrupção durante a prestação do serviço. 11.5. A impactLabs envidará todos os esforços comerciais e técnicos ao seu alcance para manter os seus serviços disponíveis através da App, o que é uma obrigação que, no entanto, não se aplica a qualquer falta de disponibilidade ou desempenho causada por causas alheias à impactLabs, força maior, internet problemas de acesso, problemas tecnológicos. 11.6. Em qualquer caso, a impactLabs reserva-se o direito de suspender, modificar, restringir ou interromper, temporária ou permanentemente, o acesso, navegação, utilização, alojamento e/ou download de conteúdos e/ou utilização dos serviços da App, com ou sem aviso prévio, por Utilizadores que violem alguma das disposições detalhadas nestes Termos e Condições, sem que o Utilizador possa reclamar indemnização por esta causa. **12.CANCELANDO A CONTA DE UM USUÁRIO** 12.1 O .impactLabs não tem acesso para gerenciar usuários (o que inclui adicionar ou remover usuários), gerentes de comunidade e beneficiários de qualquer comunidade. 12.2. Os beneficiários podem ser removidos a qualquer momento do contrato inteligente de uma comunidade pelos gerentes da comunidade responsáveis e a impactLabs não tem influência ou ação nesta decisão. 12.3. Um gerente de comunidade pode ser removido por outros gerentes de comunidade da mesma comunidade, e o impactLabs não pode influenciá-lo ou controlá-lo também. **13.MODIFICAÇÃO DAS CONDIÇÕES** A impactLabs reserva-se o direito de fazer alterações nos Termos e Condições a qualquer momento. Tais alterações serão comunicadas ao cliente via e-mail 20 dias antes da entrada em vigor dos novos Termos e Condições. Se não aceitar os novos termos, deve eliminar a sua conta de utilizador e a sua utilização continuada da App será considerada como aceitação dos novos Termos e Condições. **14.LEI APLICÁVEL E JURISDIÇÃO** 14.1. Estes Termos e Condições, bem como a relação pré-contratual regem-se pela Lei Portuguesa. 14.2. Qualquer litígio que possa surgir entre os contratantes relativamente à interpretação ou execução dos presentes Termos e Condições de Utilização será da responsabilidade dos Tribunais da Comarca de Lisboa. 14.3. O Utilizador pode recorrer às entidades de resolução alternativa de litígios de consumo indicadas no Portal do Consumidor em , onde poderá consultar a identificação das referidas entidades e respetivos contactos de forma dinâmica e atualizada , ou a European Online Dispute Resolution Platform, disponível em . O Usuário pode enviar reclamações e relatar erros ao enviar um ticket através da página dedicada . # Política de Privacidade ImpactLabs (doravante denominado "impactLabs" e posteriormente identificado abaixo), proprietário e operador do "impactMarket App" para dispositivos móveis compatíveis com o sistema iOS ou Android (doravante denominado "App") e o "site impactMarket" (doravante denominado "Website"), está determinado a garantir aos utilizadores e potenciais utilizadores do App, não só o cumprimento integral de todas as obrigações legais, mas também a máxima privacidade dos seus dados pessoais e a segurança das transações realizadas através da App, de acordo com as melhores práticas disponíveis no mercado. Para os devidos e legais efeitos, poderá encontrar abaixo a identificação completa e os dados de contacto da entidade responsável pelo tratamento dos dados pessoais: * Nome: Marco Paulo da Silva Barbosa; * Número de Identificação de Pessoa Jurídica: NIPC 516228293; * Sede e endereço postal: Rua Irmãs Missionárias do Espírito Santo, n°37, 4715-213 Braga, Portugal Conservatória do Registo Comercial; * Endereço de e-mail da empresa: ; * Detalhes de contato do Diretor de Proteção de Dados: . **O tratamento de dados pessoais através do website será efetuado nos seguintes termos:** **1.Controlador de dados** A ImpactLabs é a entidade Responsável pelo Tratamento dos dados pessoais fornecidos pelos utilizadores do App, adiante designado por “o Responsável”. **2.Finalidades e fundamentos legais do tratamento de dados pessoais** Dependendo das funcionalidades do App que utiliza, os seus dados pessoais podem ser tratados para diferentes finalidades. Estas finalidades e os fundamentos legais aplicáveis são os seguintes: * Comunicações de marketing; * No âmbito do funcionamento do nosso App, e de forma a podermos prestar-lhe os nossos serviços, trataremos os dados pessoais que decidir fornecer-nos para as seguintes finalidades: * Execução do contrato de prestação de serviços celebrado com o titular dos dados; * Criação do seu perfil de usuário; * Assinatura mediante recebimento de doação. (...) * Relativamente às finalidades aqui referidas, o fundamento jurídico aplicável ao tratamento dos seus dados pessoais é a celebração de um contrato no qual o titular dos dados seja parte e o cumprimento das obrigações legais a que estamos vinculados, uma vez que o tratamento desses dados pessoais são essenciais para a execução do contrato em questão. * Para efeitos de resposta a pedidos, consultas ou reclamações, tratamos os seus dados pessoais com base legal no nosso interesse legítimo em prestar-lhe um serviço personalizado e de qualidade, gerir reclamações e, se for caso disso, realizar os procedimentos pré-contratuais necessários a seu pedido. Nosso App utiliza a tecnologia Blockchain, e como tal seus dados pessoais serão armazenados em blocos interligados. Por este motivo, tais dados continuarão obrigatoriamente a ser tratados mesmo após a expiração da base legal aplicável em cada caso, com base no nosso legítimo interesse em manter a integridade da plataforma. No entanto, não temos intenção de acessar ou usar seus dados pessoais após a expiração da base legal que nos deu legitimidade para processá-los em primeiro lugar. Não tentaremos usar seus dados pessoais para informar qualquer decisão em relação a qualquer indivíduo ou de maneira que afete o indivíduo de alguma forma. Não daremos intencionalmente acesso a tais dados a terceiros e comprometemo-nos a eliminar tais dados o mais rapidamente possível, desde que tal não comprometa a integridade da plataforma. **3.Tempo durante o qual guardamos os seus dados pessoais** O tempo durante o qual armazenamos os seus dados pessoais pode variar em função da finalidade para a qual são tratados. Conservaremos os seus dados pessoais durante os seguintes períodos: * Envio de comunicações de marketing: até que exerça o seu direito de oposição ou revogação do seu consentimento, consoante o que for aplicável. * Para fins associados ao App: * pelo tempo necessário para garantir o cumprimento integral do contrato celebrado com você; * durante os prazos legais aplicáveis. * Para a prestação de assistência técnica e para efeitos de resposta a pedidos, consultas ou reclamações: * pelo tempo necessário para garantir a plena execução do contrato celebrado com você; * durante os prazos legais aplicáveis. Tais dados continuarão necessariamente a ser tratados, ainda que de forma muito restritiva, após o termo da base legal aplicável em cada caso, com base no nosso legítimo interesse em manter a integridade da plataforma. **4.Transmissão de dados pessoais** Podemos comunicar os seus dados pessoais a terceiros para efeitos de cumprimento das obrigações legais aplicáveis em cada caso ou quando necessário para a prestação dos serviços a contratar. Sempre que o tratamento de dados pessoais seja efetuado através de prestadores de serviços externos, que atuam como subcontratantes, seguimos critérios rigorosos na seleção dos prestadores de serviços de forma a cumprir as suas obrigações de proteção de dados e comprometemo-nos a celebrar um acordo de tratamento de dados com os mesmos. **5.Direitos do titular dos dados** Como titular dos dados, você tem os seguintes direitos em relação ao processamento de seus dados pessoais: **Acesso:** Poderá obter informação sobre se estamos a tratar os seus dados pessoais, bem como consultar os seus dados pessoais incluídos nos ficheiros desta empresa. **Retificação:** Poderá alterar os seus dados pessoais quando estiverem incorretos bem como completar os que estiverem incompletos. **Apagamento:** Poderá solicitar o apagamento dos seus dados pessoais quando, entre outros motivos, os dados pessoais já não sejam necessários para as finalidades para as quais foram recolhidos. **Objeção:** Em determinadas situações poderá solicitar que os seus dados pessoais deixem de ser tratados. Iremos interromper o tratamento dos seus dados pessoais, exceto se existirem motivos legítimos ou para a declaração, exercício ou defesa de direitos em processo administrativo, judicial ou extrajudicial. **Limitação do tratamento:** Pode solicitar a limitação do tratamento dos seus dados pessoais nas seguintes situações: (a) contestando a veracidade dos seus dados pessoais; (b) quando o processamento for ilícito e você se opôs a ele e solicitou a limitação do uso de seus dados pessoais; (c) quando já não necessitamos de tratar os seus dados pessoais, mas necessita deles para o exercício ou defesa de direitos num processo administrativo, judicial ou extrajudicial; (d) quando se opuser ao tratamento dos seus dados pessoais para o cumprimento de uma obrigação de interesse público ou para o cumprimento de um interesse legítimo, desde que se verifique que estes fundamentos legítimos do tratamento prevalecem sobre os seus fundamentos. **Portabilidade:** Em determinadas situações terá direito a receber, num formato estruturado, de uso corrente e legível por máquina, os dados pessoais que nos disponibilizou e os obtidos na sua relação connosco, bem como a transmiti-los a outra entidade . Se você tiver alguma dúvida ou desejar exercer esses direitos, entre em contato conosco em . Para exercer seus direitos, se necessário, podemos solicitar que você forneça uma prova de identidade. Deve ainda indicar o direito que pretende exercer. O exercício dos seus direitos é gratuito, salvo em caso de pedido manifestamente infundado, excessivo ou reiterado. Por último, informamos que poderá apresentar reclamação junto da autoridade de controlo competente (Comissão Nacional de Proteção de Dados) através do site [www.cnpd.pt](http://www.cnpd.pt). # Contratos Inteligentes Atualmente, os contratos inteligentes são divididos em três: **ImpactMarket, CommunityFactory** e **Community**. ## ImpactMarket Sua única função é aceitar novas comunidades. Isso será substituído por um mecanismo (já em desenvolvimento) com votação para novas comunidades. ## CommunityFactory Sua única função é implantar novos contratos comunitários. Um contrato por comunidade. Este contrato é controlado pela ImpactMarket. ## Community Este é o contrato usado pelas comunidades. Existe um contrato por comunidade, o que permite doações individuais para cada uma delas. Abaixo estão listados os métodos públicos que podem ser chamados para obter informações do contrato. ```cpp // When the beneficiary can claim again (timestamp) mapping(address => uint256) public cooldown; // What was the last interval when the user claim. // This is used to calculate the next interval mapping(address => uint256) public lastInterval; // How much has the beneficiary claimed so far. mapping(address => uint256) public claimed; // In what state is the beneficiary (enum BeneficiaryState {NONE, Valid, Locked, Removed}) mapping(address => BeneficiaryState) public beneficiaries; // community amount per claim (in cUSD) uint256 public claimAmount; // community base interval (we have been using 1 day or 1 week) (in seconds) uint256 public baseInterval; // community increment interval (in seconds) uint256 public incrementInterval; // community maximun claim per beneficiary (in cUSD) uint256 public maxClaim; // if the community was migrated, will have here the address address public previousCommunityContract; // impactMarket contract address address public impactMarketAddress; // cUSD contract address address public cUSDAddress; ``` ### Functions **Nota importante:** para integrações externas, quando um gestor tenta agregar um endereço como gestor ou beneficiário, esse endereço precisa primeiro ser cadastrado no sistema, caso contrário, aparecerá um erro mencionado na [seção adicionar beneficiário](https://docs.impactmarket.com/manager-onboarding/download/2.5-add-remove-beneficiary). Para evitar isso, use o endpoint / api / user / auth. Para obter mais informações, consulte a [seção API](https://docs.impactmarket.com/v/brazil/developers/api). ```javascript /** * @dev Allow community managers to add other managers. */ function addManager(address _account) external onlyManagers; /** * @dev Allow community managers to remove other managers. */ function removeManager(address _account) external onlyManagers; /** * @dev Allow community managers to add beneficiaries. */ function addBeneficiary(address _account) external onlyManagers; /** * @dev Allow community managers to lock beneficiaries. */ function lockBeneficiary(address _account) external onlyManagers; /** * @dev Allow community managers to unlock locked beneficiaries. */ function unlockBeneficiary(address _account) external onlyManagers; /** * @dev Allow community managers to remove beneficiaries. */ function removeBeneficiary(address _account) external onlyManagers; /** * @dev Allow beneficiaries to claim. */ function claim() external onlyValidBeneficiary; /** * @dev Allow community managers to edit community variables. */ function edit( uint256 _claimAmount, uint256 _maxClaim, uint256 _baseInterval, uint256 _incrementInterval ) external onlyManagers; ``` # API Todos os endpoints da API são documentados usando [swagger](https://swagger.io/). Para cada ambiente (Alfajores Testnet e Mainnet), há uma API e uma URL swagger disponível. Por favor, consulte a próxima seção sobre o ambiente que deseja usar para saber mais. # Ambiente ## Mainnet * * * Aplicativo móvel iOS e Android nas app stores * ## Alfajores Testnet * * * (needs [Expo Go](https://expo.io/client)) # Tecnologia # Blockchain
Introdução a Blockchain e Criptomoedas ### O que é Blockchain? [Blockchain](https://app.gitbook.com/o/-MYIJ_zcoJLARejySPhm/s/lwvNfyoU6Z8TNTfm6sKG/~/changes/LyqJOfEIMpA9shSxYkWy/impactmarket-apps/um-protocolo-na-celo) é uma tecnologia que permite que as transações sejam agrupadas em blocos e registradas de maneira confiável e segura. Pode ser usada para muitas coisas, incluindo dinheiro (criptomoedas), gerenciamento de registros médicos e até jogos online. Você pode ler mais sobre a rede de blockchain da CELO [aqui](https://celo.org/pt). ### Quais são algumas vantagens das blockchains? **Eles são globais:** significa que as criptomoedas podem ser enviadas para todo o planeta de forma rápida e barata. **Eles aumentam a privacidade:** os pagamentos com criptomoedas não exigem que você inclua suas informações pessoais, o que protege você de ser hackeado ou ter sua identidade roubada. **Eles são abertos:** como todas as transações nas redes de criptomoedas são publicadas publicamente na forma de blockchain, qualquer um pode examiná-las. Isso não deixa espaço para manipulação de transações, alteração da oferta de dinheiro ou ajuste das regras no meio do jogo. O software que constitui o núcleo dessas moedas é gratuito e de código aberto, para que qualquer pessoa possa revisar o código. ### O que são criptomoedas? A criptomoeda é o uso mais conhecido de blockchain. Uma criptomoeda é uma forma de dinheiro que funciona como dinheiro digital. Isso significa que a pessoa A pode enviar criptomoeda diretamente para a pessoa B sem a necessidade de um intermediário (por exemplo, um banco). Bitcoin foi a primeira criptomoeda criada, é a mais conhecida e mais amplamente usada.
Um Protocolo na CELO Celo é uma **blockchain Proof-of-Stake (PoS) de código aberto** projetada para suportar stablecoins e ativos tokenizados com um mecanismo de estabilidade algorítmico apoiado por reserva. Atualmente, usamos **Celo Dollars (cUSD)**, uma stablecoin cujo valor não oscila muito, para distribuir renda básica a comunidades vulneráveis. Há também o Celo, a criptomoeda que atua como um token de utilidade e governança para a plataforma Celo. ## Por que o impactMarket é construído no Celo? ### Prosperidade para todos Estamos alinhados com a missão de **Prosperidade para Todos** da Celo , a primeira blockchain com carbono negativo. Ingressamos na Iniciativa [**DeFi for the People** ](https://medium.com/impactmarket/impactmarket-joins-celos-defi-for-the-people-to-help-empower-billions-7a9cae98b7d0)em fevereiro de 2022 e recentemente nos juntamos ao **Social Impact Collective** para acelerar e impulsionar mudanças positivas por meio da inclusão financeira e prosperidade econômica. ### Mobile-first Celo é uma das poucas blockchains que foram **construídas para celulares**. Ele foi projetado para ser fácil de usar e funcionar para um dispositivo de baixo custo ou um laptop sofisticado. ### Custo e velocidade Com o CELO, você pode enviar transações dos EUA para as Filipinas por menos de um dólar. Isso significa que você pode manter o que ganha em vez de pagar taxas aos intermediários. Cada transação leva cerca de 10 segundos - o que significa que você pode ser pago pelo seu trabalho muito mais rápido do que antes. A moeda geralmente utilizada como base para todas as transações é o dólar norte-americano, representado pela sigla cUSD. **Celo Dollar, ou cUSD, é uma criptomoeda que opera na rede Celo e cada unidade equivale a USD 1**. Valores em Celo Dollars podem ser convertidos a qualquer momento na moeda local desejada, com base na conversão do dólar americano aplicável.
# Ferramentas que usamos {% embed url="" %} {% embed url="" %} # Whitepaper impactMarket Autores:[ ](https://www.linkedin.com/in/yoniassia)Avina Ajit y Susanne Zapelão. Contribución de:[ ](https://www.linkedin.com/in/hadarrottenberg/)Yingshi Huang, Onye Dike, y Jessica Gaubert.
{% hint style="info" %} Esta documentación está sujeta a cambios con la adición de características y servicios dentro del protocolo. {% endhint %} En un esfuerzo por proporcionar un resumen completo, el contenido presentado en este libro blanco no cubre todos los aspectos de las funciones, actividades e impacto del protocolo, y está exclusivamente destinado con fines informativos. El objetivo principal de este documento es brindar a los lectores información sobre la visión de impactMarket y sus objetivos en la promoción del empoderamiento financiero. *** ## Índice 1. [Resumen](/espanol-1/impactmarket-apps/master) 2. [Productos de impactMarket](/espanol-1/impactmarket-apps/2.-productos-impactmarket) * Microcrédito * Ingreso Básico Incondicional (UBI) * Billetera Libera Crypto * Aprende y Gana 3. [Protocolo de impactMarket](/espanol-1/impactmarket-apps/3.-protocolo-impactmarket) 4. [Medición del Impacto](/espanol-1/impactmarket-apps/5.-medicion-del-impacto) Sobre la Empresa Desarrolladores # 1. Resumen [impactMarket](https://www.impactmarket.com/), el **protocolo de empoderamiento humano** desarrollado en la red de blockchain Celo, proporciona soluciones financieras accesibles y conocimiento para empoderar a las personas desfavorecidas en todo el mundo, desbloqueando oportunidades y potencial humano. **Transparente, confiable e inclusivo**, que permite la independencia financiera y la alfabetización para todos. Empoderamos a las personas para que se apropien de sus elecciones, su dinero y sus vidas. impactMarket tiene uno de los programas de Renta Básica Incondicional (UBI) más grandes del mundo, respaldando a más de 45,000 personas con UBI en aproximadamente 30 países. Otras soluciones incluyen el Microcrédito, la Billetera Libera Crypto y una plataforma Aprende y Gana. {% embed url="" %} Pueblo de Jaguara - Comunidad UBI en Brasil | impactMarket {% endembed %} **Para ver más videos inspiradores, visite nuestro** [**canal de Youtube.**](https://www.youtube.com/channel/UCUE5DVvRjmsOK_27s2byT1A) Con el uso principal de cUSD (Celo Dollar) y el uso complementario de su token nativo $PACT, el ecosistema de impactMarket genera una economía circular de donaciones, inversiones, recompensas y poder de gobernanza para todos los interesados, alineados con las necesidades de la comunidad. También hay Celo, la criptomoneda que actúa como una utilidad y token de gobernanza para la plataforma Celo. Celo es una cadena de bloques de Prueba de Participación (PoS) de código abierto diseñada para respaldar stablecoins y activos tokenizados con un mecanismo de estabilidad respaldado por reservas algorítmicas. El uso de Celo Dollars (cUSD) por parte de impactMarket, una stablecoin cuyo valor no fluctúa ampliamente, facilita la distribución del ingreso básico a comunidades vulnerables, así como a todas las demás herramientas que requieren la transferencia de fondos.
## ¡Sueña con nosotros! Cómo unirse a nuestra misión Done a las comunidades UBI y obtenga recompensas PACT. ¡Siga impactMarket en las redes sociales y corra la voz sobre nuestro impacto para involucrar a su familia y amigos! Si eres una empresa, fundación, marca o influencer, contáctanos para saber más sobre cómo involucrar a tus empleados, clientes o comunidad en iniciativas sociales, de una forma totalmente **transparente y medible**. Puedes contactarnos a través de nuestras redes sociales ([Twitter](https://twitter.com/impactmarket), [Facebook](https://www.facebook.com/impactmarketofficial), [Instagram](https://www.instagram.com/impactmarket_/) y [LinkedIn](https://www.linkedin.com/company/impactmarket)), uniéndote a la conversación en [Discord](https://discord.gg/T4HrmefX), o [Telegram](https://t.me/impactMarketOfficial). ## Atrévete a Soñar con nosotros que un mundo mejor para todos es posible. ¡Juntos podemos hacer la diferencia! 💙 # El Contexto * El Objetivo de Desarrollo Sostenible 1 de la ONU busca la erradicación de todas las formas de pobreza para el año 2030 (Naciones Unidas, 2021). Actualmente, el mundo no se encuentra en el camino correcto para alcanzar este objetivo. Según el Banco Mundial (2021), alrededor de una de cada diez personas en 2020 (aproximadamente el 9,2% de la población mundial) se considera que vive en extrema pobreza, sobreviviendo con menos de US$ 1,90 al día, un retroceso causado en parte por la pandemia global de COVID-19. De estos, según el Banco Mundial, el 87% de las personas más pobres del mundo viven en África Subsahariana, lo que representa a más de 480 millones de personas. La actual crisis energética y alimentaria probablemente resultará en más retrocesos (Naciones Unidas, 2022; Banco Mundial, 2022). * El Banco Mundial considera que la inclusión financiera es un facilitador clave para reducir la extrema pobreza y fomentar la prosperidad compartida. "La inclusión financiera implica que individuos y empresas tengan acceso a productos y servicios financieros útiles y asequibles que satisfagan sus necesidades, como transacciones, pagos, ahorros, créditos y seguros, entregados de manera responsable y sostenible". Dado que la inclusión financiera se identificó como un facilitador de 7 de los 17 Objetivos de Desarrollo Sostenible, el rápido aumento de las finanzas digitales ofrece oportunidades de acceso a servicios financieros, incluido el ingreso básico universal (IBU), para comunidades en todo el mundo, incluidas aquellas en países de bajos y medianos ingresos (Banco Mundial, 2021). Sin embargo, se sabe poco sobre el impacto de las finanzas digitales y su potencial para llegar a comunidades vulnerables. Evidencias recientes muestran que la implementación de programas de transferencia de dinero mediante transferencias móviles tiene muchos efectos positivos: reducción de la extrema pobreza, aumento del consumo en comunidades rurales, diversidad en la alimentación, etc. (Aker et al., 2016; Lee et al., 2021). Pero a pesar de estas evidencias positivas, aún existen preguntas abiertas sobre cómo hacer que la inclusión financiera sea realmente accesible para todas estas comunidades en todo el mundo que la necesitan (Aziz & Naima, 2021; Lashitew et al., 2019). * La pandemia de COVID-19 ha presentado un caso convincente para la entrega de ayuda digital. Esto puede desempeñar un papel crítico en permitir que los gobiernos y las organizaciones multinacionales brinden asistencia social de manera rápida y segura. La infraestructura digital permitió que no solo los gobiernos llegaran a un número sin precedentes de nuevos beneficiarios, sino que también les permitió realizar pagos de forma remota. Esto llevó a millones de personas a unirse al sistema de protección social y financiera por primera vez (Banco Mundial, 2022). Sin embargo, también destacó la necesidad de expandir la infraestructura digital para hacer que los sistemas de pago sean más inclusivos, efectivos y sostenibles. Esto incluye abordar los desafíos que enfrentan especialmente las mujeres, que a menudo quedan excluidas digital y financieramente. 1,4 mil millones de adultos todavía no tienen una cuenta bancaria. Estas personas son las más difíciles de alcanzar, y suelen ser mujeres, personas más pobres, menos educadas y que viven en áreas rurales. * El Global Findex 2021 descubrió que casi dos tercios de los adultos en economías en desarrollo que recibieron pagos digitales también utilizaron sus cuentas para guardar dinero para la gestión de efectivo, alrededor del 40% utilizó sus cuentas para ahorrar y el 40% utilizó sus cuentas para obtener préstamos. Aunque los datos no pueden establecer una relación causal, estos hallazgos sugieren que las entradas digitales pueden allanar el camino para un uso más amplio de los servicios financieros. Las transferencias de dinero son comunes: el 97% de los países de bajos y medianos ingresos, el 77% de los cuales utilizan transferencias incondicionales de efectivo (Banco Mundial, 2017), pero los costos de entrega de un programa de efectivo pueden ser significativos. Según el Comité Internacional de Rescate, los costos de los programas de transferencia de efectivo incondicional varían desde 14 centavos por cada dólar transferido hasta US$ 1,32 por cada dólar transferido. ### impactMarket tiene como objetivo alcanzar estas metas: 1. **Inclusión Financiera**: Muchas personas en situación de pobreza no tienen acceso a los servicios bancarios tradicionales. Las herramientas financieras de impactMarket ofrecen acceso a servicios financieros básicos, como cuentas de ahorro, remesas y transferencias de dinero a bajo costo, así como recursos especializados habilitados por el uso de la tecnología blockchain, como educación financiera recompensada, ingreso básico y una puntuación crediticia en la cadena de bloques. Además, el uso de monedas estables, criptomonedas y tokens comunitarios permite transacciones peer-to-peer sin necesidad de intermediarios como bancos, lo que hace que los servicios financieros sean más accesibles y asequibles. 2. **Transparencia y Confianza**: Las personas en situación de pobreza a menudo se enfrentan a problemas de corrupción, fraude y falta de transparencia en las transacciones financieras, así como a la falta de control sobre tasas de transacción predatorias. La naturaleza descentralizada e inmutable de la tecnología blockchain puede ayudar a establecer confianza y transparencia en los sistemas financieros y las monedas digitales. Al registrar las transacciones en un libro de contabilidad distribuido visible para todos los participantes, la blockchain reduce la posibilidad de actividades fraudulentas, garantizando que los fondos lleguen a los destinatarios previstos y se utilicen para los fines previstos, en el caso de impactMarket: la máxima libertad en las decisiones de gasto. 3. **Reducción de Costos**: Los sistemas financieros tradicionales involucran numerosos intermediarios y altas tarifas de transacción, lo que afecta de manera desproporcionada a aquellos con recursos limitados. impactMarket puede ayudar a simplificar los procesos, eliminar intermediarios y reducir significativamente los costos de transacción. Esta reducción de costos puede permitir que las personas en situación de pobreza ahorren dinero, accedan a crédito asequible y hagan un uso más eficiente de sus recursos financieros limitados. 4. **Identidad y Propiedad Seguras**: Muchas personas en situación de pobreza carecen de documentos de identificación formales, lo que dificulta el acceso a servicios financieros y programas de bienestar social. Los sistemas de gestión de identidad basados en blockchain pueden proporcionar identidades digitales seguras, permitiendo que las personas establezcan su propiedad y accedan a una variedad de servicios financieros. Al ofrecer una solución de identidad descentralizada y resistente a la manipulación, impactMarket puede empoderar a las personas para reclamar sus derechos y participar en actividades económicas. 5. **Microfinanzas y Financiamiento Colectivo**: La incapacidad para acumular riqueza o expandirse a menudo se debe a la falta de acceso a capital para actividades generadoras de ingresos. impactMarket puede facilitar iniciativas de microfinanzas permitiendo préstamos entre pares y reduciendo la necesidad de intermediarios. Además, los métodos de financiamiento colectivo de la herramienta de ingreso básico universal de impactMarket pueden ayudar a las personas en situación de pobreza a recaudar fondos para emprendimientos empresariales o proyectos comunitarios, superando las barreras y los costos tradicionales de recaudación de fondos. 6. **Remesas y Transacciones Transfronterizas**: Muchas personas en situación de pobreza dependen de las remesas de familiares que trabajan en otros países. Sin embargo, los servicios de remesas tradicionales a menudo imponen tarifas elevadas y largos tiempos de procesamiento. La billetera Libera de impactMarket ofrece transacciones transfronterizas más rápidas y accesibles, permitiendo que las personas en situación de pobreza reciban fondos de manera rápida y segura.
# El Concepto En el mundo de hoy, existen innumerables individuos y comunidades en todo el mundo que no tienen acceso a bienes básicos, como servicios financieros. Nuevas tecnologías como la cadena de bloques ofrecen nuevas posibilidades para abordar desafíos que los sistemas tradicionales han fallado en abordar y resolver. En este sentido, la adopción de estas nuevas tecnologías para las finanzas está demostrando contribuir mucho más de lo que se ve en la superficie. Las ventajas de la cadena de bloques, como la transparencia, la confiabilidad, la escala global y la optimización de costos, catalizan el impacto de proyectos como impactMarket, impulsando aún más la inclusión financiera de poblaciones desfavorecidas. Haciendo más con menos, impactMarket permite que donantes y socios maximicen su contribución, al tiempo que empodera a personas en todo el mundo con una amplia gama de soluciones inclusivas. impactMarket tiene como objetivo abrir el camino hacia la inclusión financiera, utilizando Finanzas Descentralizadas (en inglés *Decentralized Finances*, o DeFi) para impulsar el potencial humano. Para lograr estos objetivos, impactMarket desarrolla varias soluciones financieras que otorgan a las personas más control sobre sus circunstancias, contribuyendo así a la creación de entornos económicos sostenibles. Comunidades que viven en lugares sin una economía estable o que a menudo son excluidas económicamente, como ciudadanos desfavorecidos y refugiados, utilizan el protocolo de impactMarket para satisfacer sus necesidades básicas y crear diversas oportunidades para mejorar sus vidas. impactMarket permite que sus usuarios accedan a herramientas y servicios financieros inclusivos y permite a los beneficiarios de la renta básica recibir y redimir sus fondos de manera fácil y rápida sin ninguna condición. Siendo un centro de inclusión financiera basado en la cadena de bloques y un referente en la industria para el impacto social, impactMarket es un catalizador en la consecución de algunos Objetivos de Desarrollo Sostenible (ODS) significativos. impactMarket se enfoca en: * ODS 1: Eliminar la pobreza en todas sus formas en todo el mundo. * ODS 4: Garantizar una educación inclusiva, equitativa y de calidad, y promover oportunidades de aprendizaje a lo largo de la vida para todos. * ODS 8: Promover un crecimiento económico sostenible, inclusivo y sostenible, empleo pleno y productivo y trabajo decente para todos. * ODS 10: Reducir la desigualdad dentro y entre los países. * ODS 17: Fortalecer los medios de implementación y revitalizar la asociación global para el desarrollo sostenible. Desde su fundación: * Se han distribuido alrededor de US$ 3 millones en fondos a personas desfavorecidas en todo el mundo en forma de Renta Básica Incondicional. * impactMarket se ha convertido en uno de los mayores sistemas de UBI basados en cadena de bloques del mundo, llegando a más de 46,000 beneficiarios en aproximadamente 270 comunidades UBI para ayudarles a cubrir sus necesidades básicas e invertir en materias primas, educación y herramientas para asegurar oportunidades financieras a largo plazo. * El recurso de microcrédito de impactMarket se ha probado con 200 prestatarios individuales en Brasil, Uganda y Nigeria, prestando 90,000 Celo Dollars en microcréditos (hasta agosto de 2023). * Para desarrollar el protocolo web3 líder de impactMarket y expandirse a comunidades vulnerables en los países más pobres, la empresa recaudó un total de US$ 2,1 millones hasta enero de 2022 (US$ 1,6 millones en rondas de financiación previa a la fase de semillas y semillas y US$ 500,000 a través de un IDO). * El token de gobernanza del protocolo, $PACT, se lanzó a través de un IDO (Oferta Inicial Descentralizada) en Polkastarter en diciembre de 2021, y poco después, el lanzamiento del mecanismo de impact Farming permitió comenzar a recompensar a los donantes con tokens $PACT. * impactMarket tiene un mecanismo de Staking para los titulares de $PACT, lo que les permite ganar ingresos pasivos y convertirse en influenciadores en la dirección, crecimiento e impacto futuro del protocolo. * En noviembre de 2022, impactLabs, la empresa que gestiona el protocolo impactMarket, anunció el lanzamiento de su grupo de validadores, apoyando directamente la red Celo y ayudando a garantizar su integridad. El objetivo es donar todos los beneficios de la operación del grupo de validadores directamente para apoyar a las comunidades de impactMarket. --- [Next Page](/llms-full.txt/1)