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WHAT IS VOUCHFORME   https://vouchforme.co

https://preview.ibb.co/e9x0wV/photo-2018-10-24-19-00-11.jpg

VouchForMe harnesses the power of social connections among friends to reduce the costs of insurance services.

https://preview.ibb.co/dQvKmV/photo-2018-10-23-20-48-23.jpg

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SOCIAL PROOF

“Social proof is a natural, built-in mechanism within all of us, representing people’s moral compass.”
 
Based on a personal risk assessment, a guarantor vouches for a trusted friend by means of a financial guarantee. This act creates a positive incentive for the friend to act as a responsible insurance client. Through vouching, the entire network becomes more risk aware, encouraging a positive change in behaviour.

https://image.ibb.co/mtOB0q/photo-2018-10-23-20-49-10.jpg

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PRODUCT

VouchForMe is a web application based on distributed ledger (blockchain) technology that enables users to vouch for their friends' diligent behaviour. By effectively sharing their insurance excess with each other, users enjoy lower insurance premiums.
 
The guarantees a user obtains, provide social proof - this is the vehicle that makes VouchForMe the global go-to solution for insurance and various gig economy areas.


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HOW IT WORKS

VouchForMe works both ways: vouch for and get vouched for.
 
The product is designed to support various insurance models based on social proof mechanics.  
 
In essence, it allows the insurance client to lower the insurance premium on account of a higher excess (deductible). While insurance clients usually aren’t comfortable with high excess, VouchForMe enables them to share a part of it with their social circle. By vouching, guarantors make a financial commitment to cover the excess (up to the amount vouched) in case of a damage claim.
As a reward for their commitment, guarantors receive IPL tokens which they can use for subsequent discounts and services or exchange to fiat money.

https://preview.ibb.co/dUj10q/photo-2018-10-23-20-48-48.jpg

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MARKET

We believe the insurance of tomorrow should explore the technological improvements and reestablish the relationship of trust by application of peer-to-peer and mutual markets. The insurance industry is a 7 trillion global market representing a massive opportunity for us to reach our expected target 1 % (70 billion).



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TEAM

Everyone needs insurance that will not change. However, we are dedicated to convert the incremental approaches of the past and invent new ways to make insurance simpler, better and fairer to you. Our team combines the best industry knowledge and technical background to deliver a fantastic product. On top of that, our passion guarantees that our customers' trust stays with us.


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MILESTONES

In the last three years, VouchForMe has walked a long road from a great idea to serious business. Since we are aware insurance is one of the most regulated industries, we want to ensure optimum conditions for achieving our goals in the set time. Our team is 100% passionate and committed to delivering our promise to you.


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EXCHANGES IPL token

VouchForMe IPL token is available on Livecoin, Mercatox, HitBTC, CoinBe, Idex, Etherdelta, Forkdelta


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EXPLORE OUR PROJECT http://vouchforme.co

nice rebranding i like name - perfect for more industries

I like this concept and new name!  It will bring faster worldwide adoption when platform will be released

https://preview.ibb.co/f2eove/fd.jpg

I hope this will be achieved in few years

BUILDING THE INTERNET OF INSURANCE

The future of blockchain is identity without authority. The crypto is expanding from digital trading to something that will become a parallel economy, constituting fundamental changes. The mass adaptation of digital currencies of is just around the corner, and the need for blockchain identity and transaction regulation will soon arise. For that, Vouchforme is making important strategic partnerships already today to build the three basic pillars of future business that will help grow confidence among trustees and speed up their business operations on the blockchain.

Thank you for your support

we will bring new updates and progress soon...stay tuned

i check team in website - they are PRO's from their fields

let's see what they will create

interesting project in insurtech field

thank you for your support - you can join VouchForMe Telegram and chat with team&community

https://t.me/InsurePal

any AMA arround for VouchForMe?

Hi

Check latest tweet

AMA is on VouchForMe Reddit

https://twitter.com/Vouchforme_io

it seems that team is working hard no matter vacations and summer time

that is good to see

what is b2b and b2c programmed is launched for and what if we dont have that info about that?

this is good that have peer to roll in marketing and gaining good progress on market.

marketing is great

new articles, new website, twitter activity and so on

keep up good work

Thank you for support

We will do our best

https://www.reddit.com/user/VouchForMe/comments/9488jj/vouchforme_ama_august_2018/



is this right AMA?

You are right. That is right url for VouchForMe AMA

Team will answer on all questions so stay tuned

On which exchanges can i buy VouchForMe IPL token?

dude check coinmarketcap


$0.022811 USD (0.77%)
0.00000326 BTC (7.55%)
0.00005587 ETH (3.01%)

https://coinmarketcap.com/currencies/insurepal/


1   HitBTCHitBTC   IPL/BTC   $223,208   $0.022817   99.22%   Spot   Percentage   Recently
2   CoinbeCoinbe   IPL/BTC   $1,401   $0.022117   0.62%   Spot   Percentage   Recently
3   HitBTCHitBTC   IPL/ETH   $208   $0.022620   0.09%   Spot   Percentage   Recently
4   LivecoinLivecoin   IPL/ETH   $77   $0.019599   0.03%   Spot   Percentage   Recently
5   LivecoinLivecoin   IPL/BTC   $62   $0.020927   0.03%   Spot   Percentage   Recently


and i think latest was MercatoX

stable and progress is going on regarding whitepaper plans

love it

You can trade IPL token (VouchForMe) on HitBTC, Coinbe, Livecoin, Mercatox

And we are in progress with new exchanges...stay tuned for more news in near future

In few years with adoption and fresh platform VouchForMe will land on Venera for sure

insurance to my knowledge until now only used by rich people. if you develop an insurance replacement system how will the community really understand about the modern insurance model that you created

Hi

Mutual Roots of Insurance
Social proofing is nothing new, Peterman and Volk emphasize. It actually harks back to the roots of commercial insurance when shipowners in Edward Lloyd’s coffee house in London—the precursor of Lloyd’s of London—decided to band together to share, or mutualize, the risk of shipping goods to the New World and back. Volk explained that these shipowners knew each other—and knew very well which of their compatriots were responsible, maintained their vessels and hired good captains. “If one owner stopped being diligent and responsible, stopped maintaining ships, or hired bad captains, they would expel him [from the risk],” he said.

https://www.lloyds.com/~/media/lloyds/reports/360/360-other/insuranceindevelopingcountries.pdf

Sir, I think it needs more information about IPL token. It will be better to share adequate info or description of your token in this thread. So, people will directly understand about its total supply, price, and allocation for sale.  :) 

VouchForMe is a self-regulating blockchain platform based on decentralization and social proofing. Individuals can reduce insurance and other business deposit costs using a social proof endorsement.

The value of IPL token
The value of any decentralized economy becomes the value of its underlying economy.
In case of VouchForMe, this is the role of a social proof that motivates diligent users with bigger insurance discounts and endorsers with engaging incentives. Tokenizing property allows VouchForMe to uniquely identify insurance assets and transform the social proof information to other types of businesses via a digital record.

The three pillars of the new decentralized insurance
The crypto is expanding from digital trading to something that will soon become a vibrant parallel economy.
VouchForMe is making important strategic partnerships to build the three basic pillars of future business represented by blockchain ID, arbitrage and insurance. They will help grow confidence among all the stakeholders and massively speed up the business operations on the blockchain.

IPL token liquidity pool
VouchForMe platform will use different means to motivate participants.
Discount conversion to tokens will be incentivized, therefore VouchForMe will have to convert significant percentage of each new premium into IPL tokens and give them back to the policyholders and their endorsers. All third-parties selling their social proof insurance will also have options to use IPL tokens and trade them on exchanges.

How IPL tokens could be used
As an Insurance Premium Bonus
To obtain new insurance, the insured will have to upload a photo of their existing insurance policy so that VouchForMe can calculate a discount.
Doing so, every client will receive a specific number of IPL token (20% less for a cash discount), growing proportionally with the number of endorsements received.
As Credit Score and social Proof Score
Social proof endorsers will be able to make the guarantee with the credit card or via a smart contract.
Their social proof guarantee will consist of relevant information on the client (the insurance holder) and will serve to them as a credit report. If several endorsers will guarantee for the same person, their credit score will proportionally increase in value. In parallel to token transactions, these information will be stored in the general ledger being partially encrypted and partially public. The encrypted part will only be disclosed publicly if its holder approves.
As Claims Adjustment
In the future, the VouchForMe may appoint some members of their VouchForMe community to process and report on the claims, a service that will have a financial incentive.
Claims which will go beyond an agreed threshold (exact amount to be decided) will be decided by professional claims adjusters who will report their recommendations to VouchForMe before informing the client. In essence, there will be no need for an insurance company involvement as everything will be settled by the community on the bases of blockchain and smart contracts.

For Insurance of Blockchain Business Transactions
This type of insurance will be conducted in IPL tokens solely.
The incentives for the endorsers will be paid in IPL tokens as well, whereas their guarantee can be done with other means as well. All fees coming from the side of possible participating insurance companies and other third-parties will have to be paid with IPL tokens too.

As an upfront Incentive
For each new social proof guarantee, the endorser will receive an incentive in local fiat currency or in IPL tokens.
The endorser will be able to sell the IPL tokens immediately, speculate and wait for an even higher market value or save them to buy/renew their insurance policy in the future or to pay some services at shops where they will accept IPL.

As a Social Proof Identity
The clients holding IPL will be able to identify themselves within the VouchForMe Community.
In the long run, they will be able to sell their own social proof guarantee without revealing their identity to institutions or reinsurers in order to get the guarantee and a proportionate share of their insurance premium.

Token Details
Token supply: 300.000.000 IPL
Distributed in the crowdsale: 201.000.000 IPL (67 %)
Symbol/Ticker: IPL
Decimals: 18
Initial value: $ 0,10
Token standard: ERC-20

Crowdsale details
Start date: 16 January 2018
End date: 16 January 2018
Token distribution date: immediately after the crowdsale
Accepted currencies: ETH
Soft cap: $ 5.000.0000
Hard cap: $ 18.000.000

a new type of insurance, provided that it will bring equality to all people, it is human progress and technology that must continue to be developed and have a great influence on humans in the future.

The science of social proof
“Social proof is a natural, built-in mechanism within all of us, representing people’s moral compass.”

The endorser offers a financial guarantee for a trusted friend or for another individual. This creates a positive incentive for the endorsee and requires the endorser to perform a personal due diligence. Through endorsements, the entire network becomes more risk aware, encouraging a change in behaviour.

Roadmap

In last three years, VouchForMe has walked a long road from a great idea to a most serious business. Since we are aware insurance is one of the most regulated industries, we want to ensure optimum conditions for achieving our goals in the set time. Our team is 100% passionate and absolutely committed to delivering our promise to you.

https://vouchforme.co/roadmap/

a very interesting project, have seen quite of them and I think this one is really atractive!!!

I cant wait to see this project develop, this is one of the areas I have the biggest issue with crypto not being safe or easy to get into.

VouchForMe AMA AUGUST 2018 Recap
https://medium.com/insurepal-blog/vouchforme-ama-august-2018-recap-45dc67256993

Previous Friday we held AMA on our official Reddit channel and were blown away with some really amazing and some a bit quirky questions. For those who were unable to join in on the discussion or those who are still dipping their legs in the cold water of the sea, disconnected from the world, here is a recap of all the questions and answers.

Q: How will the platform interact with the blockchain? Are you going to build your own blockchain?

A: Endorsements will be written on Blockchain as they come in. This data will include IDs of the endorser and the endorsee, the date on which the endorsement was made, as well as guarantee and amount of a reward (in fiat or IPL, respectively). All information will be encrypted and protected to ensure compliance with data security and privacy regulations. At the same time, Blockchain technology will help us make the data transparent, trustworthy and available at all times. As for our own Blockchain network, for now we are sticking to Ethereum and we’ll discuss any additional next steps when the time is right.

Q: When moon or at least lambo? :)))

A: We are shooting for the stars! Meanwhile if we will land on the Moon it wouldn’t be too bad either.

Q: Are there any new team members in the team?

A: Yes, as a matter of fact we just expanded our team for one new member. Lučka Čokl Preis joined in on a position of a CMO at the beginning of August and we’re excited to have her on board with us. So, more intense activity on the marketing side is expected to come. Besides that, we plan to expand our team as time progresses and when we’ll need new backups.

Q: I check team on new website www.Vouchforme.co, will there be in near future any new team members? and in which field?

A: As explained before, we just expanded our team for one new additional team member who will take over the position of a CMO. Besides that, we plan to expand our team as time progresses and when we’ll need new backups.

Q: ICO reached HardCap…and now… until release of platform Ii am wondering how you will bring IPL token into action? Thank you for your answers. HODL investor

A: IPL tokens are used as fuel for the social proof business ecosystem. They are sent to endorsers as reward for their endorsements. As more and more people endorse, more and more tokens need to be awarded, which is expected to create scarcity and boost IPL price. Apart from selling them, endorsers will be able to redeem tokens for services such as insurance with VouchForMe’s partner companies.

Q: Why rebranding? I like name VouchForMe but why? Ii don’t understand really good

A: The decision comes with the realization that our Social Proof concept shouldn’t be limited only to insurance.This was confirmed in the second half of the year when we started to push our idea to the global market and received inquiries from divergent industries. In that sense, we had to make sure that our brand follows the business. We had to prepare the ground and create a name which better represents our long-term vision and does not limit our potential to grow.

Q: Hello, first of all I would like to complement the team for everything you’ve done so far, I think it’s very impressive! Looking forward for implementation of social proof wherever possible. In the lightpaper there is a visual presentation of user case (JOHN with $1000 car insurance and Mary as his endorser). This is copied from the lightpaper: “When Mary enters her credit card data, she exposes herself to a potential payment of $550 ($400 of John’s savings, $100 of her cash-back bonus and $50 of penalties).”

My question regarding the statement above:

What happens with exposure of endorsers in case of a claim if let say there are 4 (Mary, Kate, Ann, Linn)? Is this correct — everyone of them pays $250 ($100 of John’s savings, $100 of the cash-back bonus and $50 of penalties)? Does number of endorsers in any(other) way effect John-the endorsee? Can only one endorser, lets say Mary endorse for only $100 of John’s savings, not full 400$? That would probably result in higher cost for John (he would then pay 900$ and not 600$, right?).
I hope my question is clear enough :) Thank you for your answer and good luck in future endeavors.

A: In essence, you invite your friends to vouch for you. It’s up to you how many of them would you invite, and it’s up to them to decide how much they want to vouch for. Everybody can see how much endorsement you still need to collect. What does affect you is the value of endorsements you’ve collected. If this value is lower than the amount you’ve asked for then you’ll get less discount on an insurance premium (or some other service). In the case of a claim, if there is more than one endorser the value of the claim is distributed consistently with the value of endorsements they’ve made.

Q: You have changed the name to VouchForMe because you “of the realization that our Social Proof concept cannot and should not be limited only to insurtech”. Don’t you think that you are punching above your weight when trying to cover more than the insuretech field? It seems to me that there is a bit of improvisation here, even though I know you are working hard. I can imagine you will answer something like long-term-thinking, strategic-long-term, etc. but it would be great if you can specify concrete examples of what you would like to cover and what kind of roadmap are you following, since the one in the website/whitepaper is quite broad. Much appreciated.

A: This move isn’t something that would come unexpected to us since our long-term vision was always to cover numerous industries when insurance was just one of them. This name only gives more of a feel what this platform really is about, it’s all about social proof and vouching for someone. There were many times when we were mistaken for an insurance company, thinking we’re selling insurance policies or acting as a mediator between insurance companies — which we’re not. By rebranding to the name VouchForMe it lets us focus on what we have intended from the start: building a strong social proof platform suitable for numerous industries. Just a few of the industries that we plan to cover are B2B and Real Estate market. However, we’re still following the same roadmap, nothing changes expect our spectrum has broaden.

Q: Any new partnerships or markets?

A: Yes, of course, all in due time. We are not focused only to one cooperation — there are many, but they are at the different stages. We will make sure community is well informed when new partnerships will be signed and confirmed.

Q: Are there really no lawsuits in place? i read some rumors in telegram?

A: No, we can definitely and honestly confirm that there are no lawsuits in place. Rumors spread fast and easy so it’s better to not pay too much attention to it.

Q: Why didn’t you inform community about rebranding sooner?

A: The approach for a new website and brand was agreed up-front and the community was informed about the change. Also, we didn’t close the whole thing on the same day, but we accepted and implemented some of the proposals from the community. Thank you for your support.

Q: Who would win in an arm-wrestling competition: Matt Peterman or Tom Volk?

A: It depends what would be on the table. If by any chance there ever comes to an arm-wrestling competition, we’ll make sure to document it and let you know.

www.VouchForMe.co

Meet our Co-Founder Tom, next week at Swiss InsureTech #meetup, Switzerland's number 1 open platform for expertise exchange on #insurtech.

Excited to be invited among inspiring individuals who are actively shaping this ecosystem.

Stay tuned on VouchForMe Twitter

https://twitter.com/Vouchforme_co

Very promising project - we will see in few years what will idea&platform brings

A month has passed since our last business development update was published and since there has been a lot of improvements and implementations made to the platform, we felt the need to give you, our supporters a brand new preview into what is happening behind closed doors. We know many of you are patiently (and some quite anxiously) waiting to see our progress on the platform development so without further ado, here in front of you is a quick recap of our main activities. Enjoy!

Front-end fine-tuning
Last month, we have shared some screenshots of how the future VouchForMe user interface will look like. Our front-end developers are currently making the final text corrections and other visual content. The main goal is to chase all remaining Lorem-ipsum-kind-of-wording to make space for the carefully crafted copy texts that have been put together by our product and marketing gurus.

Behind the scenes work
Meanwhile, our backend engineers are working hard to implement all the functions that are needed for the user interface to really spring to life and operate reliably. Special attention is given to localization, i.e., making sure that individual VouchForMe implementations in various regions share the same infrastructure while appearing local in terms of language, time format, currency, etc. The goal is to ensure that minimal effort is going to be required by the tech team to add individual local instances in the future — with each of them still getting the exact touch and feel its local users expect.

Smart contract implementation
Blockchain software development is also well underway. Our tech team admits that the initial planning for the Blockchain part of VouchForMe platform was quite challenging since technology around it, is still in its beginnings. So consequently, many engineering decisions we had to make were not so simple and obvious, for example one of those decisions was, if we want the nature of the Blockchain network to be private or public, since we had to contemplate between transparency and privacy of user data. And this was something that was needed to be resolved, before the first line of code could be written.

Besides everything, we are happy to confirm that the first version of the smart contract is finished and that the team will begin implementing data encryption features and interfaces for communication with the VouchForMe back-end.

Behind the scenes work
Meanwhile, our backend engineers are working hard to implement all the functions that are needed for the user interface to really spring to life and operate reliably. Special attention is given to localization, i.e., making sure that individual VouchForMe implementations in various regions share the same infrastructure while appearing local in terms of language, time format, currency, etc. The goal is to ensure that minimal effort is going to be required by the tech team to add individual local instances in the future — with each of them still getting the exact touch and feel its local users expect.


it is nice to see that team is working

In last three years, VouchForMe has walked a long road from a great idea to a most serious business. Since we are aware insurance is one of the most regulated industries, we want to ensure optimum conditions for achieving our goals in the set time. Our team is 100% passionate and absolutely committed to delivering our promise to you.

Check VouchForMe roadmap

https://vouchforme.co/roadmap/

So there's no more InsurePal? Is there a swap for this? Maybe, this is the right decision for InsurePal to make this project more known and be successful. I remember the time when InsurePal did the massive marketing campaign, that's why I've learned this project thru those ads.

Usage of token is very important - sure platform first 

How IPL tokens could be used

As an Insurance Premium Bonus

To obtain new insurance, the insured will have to upload a photo of their existing insurance policy so that VouchForMe can calculate a discount.
Doing so, every client will receive a specific number of IPL token (20% less for a cash discount), growing proportionally with the number of endorsements received.

As Credit Score and social Proof Score
Social proof endorsers will be able to make the guarantee with the credit card or via a smart contract.
Their social proof guarantee will consist of relevant information on the client (the insurance holder) and will serve to them as a credit report. If several endorsers will guarantee for the same person, their credit score will proportionally increase in value. In parallel to token transactions, these information will be stored in the general ledger being partially encrypted and partially public. The encrypted part will only be disclosed publicly if its holder approves.

As Claims Adjustment
In the future, the VouchForMe may appoint some members of their VouchForMe community to process and report on the claims, a service that will have a financial incentive.
Claims which will go beyond an agreed threshold (exact amount to be decided) will be decided by professional claims adjusters who will report their recommendations to VouchForMe before informing the client. In essence, there will be no need for an insurance company involvement as everything will be settled by the community on the bases of blockchain and smart contracts.

Read more here
https://medium.com/insurepal-blog/more-than-a-name-change-c41421b57b17


and join VouchForMe Telegram for more questions (team is there - we will answer you)


VouchForMe Official Group
5 849 members
VouchForMe is a next generation of peer-to-peer insurance based on social proof endorsements, fully harnessing the power of blockchain innovation. More info: http://vouchforme.co/

https://t.me/InsurePal

i believe team will deliver! But great things need time

VouchForMe Team
Everyone needs an insurance, this will not change. However, we are dedicated to change the incremental approaches of the past and invent new ways to make insurance simpler, better and fairer to our customers.
Our team combines the best industry knowledge and technical background to deliver an amazing product. On top of that, our passion guarantees that our customers' trust stays with us.

https://vouchforme.co/team/

Okay, thanks much for the links. Will read more about this. You need more members to make this popular among crypto users.

i think this is right decision for long term business

Sure we will  - say hi to our new CMO


Lučka Cokl
Chief Marketing Officer

Lučka brings over a decade of experience in creating and managing effective marketing strategies for global IT markets. Before joining VouchForMe, she has been leading marketing for Comtrade Digital Services.

https://vouchforme.co/team/

i hope marketing of new platform will start when it will be released

vouchforme will need adoption and liquidity

dude read latest medium post from VouchForMe   there is why

The science of social proof
“Social proof is a natural, built-in mechanism within all of us, representing people’s moral compass.”

The endorser offers a financial guarantee for a trusted friend or for another individual. This creates a positive incentive for the endorsee and requires the endorser to perform a personal due diligence. Through endorsements, the entire network becomes more risk aware, encouraging a change in behaviour.


Read more about social proof at www.Vouchforme.co

With the enormous growth of the Internet, numerous opportunities have emerged for us to expand our knowledge, find new information, buy and sell our belongings or even expand our possibilities to find work online. Besides everything the internet has in the meantime became a powerful force in accelerating financial innovation of peer-to-peer lending market.

We’re well aware of how Kickstarter, Indiegogo, Angels, VCs, etc transformed businesses, created success stories, and reevaluated the roles of classical intermediaries. However, in the recent years online peer-to-peer lending has emerged as an appealing new channel which allows individual lenders to collect their funds to finance loan requests from individuals and businesses. To keep it short and simple it’s essentially a debt form of crowdfunding. Businesses, investors and regulators are all increasingly interested in this business model. It’s a mystery and a wonderful example of how new internet technologies can and already are transforming the finance industry.

You can read more in latest Medium article: https://medium.com/insurepal-blog/friendship-effect-in-online-p2p-lending-5874f7c181ca

2018
Platform launch & blockchain features integration
The development of InsurePal platform core begins. First social proof modules are ready to be used. PR & Marketing campaign launches.
 
InsurePal changes its name to VouchForMe to expand the idea of social proof being suitable and compatible with other industries besides insurance.


2019 and on
Global expansion & B2B partnerships growth
Additional functionalities are implemented. Partnerships with interested third-parties are further promoted. Implementation of claims community handling model begins. All VouchForMe activities are promoted on a global scale. VouchForMe platform to become a “go-to” global social proof insurance.


https://vouchforme.co/roadmap/

Thanks,it's a lot clearer. But I do not understand the obvious: the scan of the insurance certificate is easy to fake. If it is enough to send a scan of this document to get tokens, the scammers will easily clean the cashier) How can you prevent this?

Rebranding is positive - i read article and i understand now why

VouchForMe token (IPL) will be the fuel of the VouchForMe platform, used by clients and third-party partners worldwide. It is an application specific token, built on top of existing Ethereum blockchain, allowing us to give the users back the value of the VouchForMe insurance network.

IPL token is now trading on the following exchanges:

Livecoin, Etherdelta, Hitbtc, Idex, Coinbe, Forkdelta and Mercatox



Read more about IPL (VouchForMe) token https://vouchforme.co/token/

With that good progress adoption and price up is guaranteed on long term

And what exactly does the blockchain give to the insurance industry? how is this different from regular insurance? how does this mechanism work? for example, the user is logged on platforme, and more... find a suitable contract and pay for it?

i hope liquidity will be more and more higher in future

Vouchforme is a next generation of peer-to-peer insurance based on social proof endorsements, fully harnessing the power of Blockchain innovation.

Read whitepaper at www.vouchforme.io

and read slowly https://medium.com/@InsurePal_io articles


You can also check Twitter from VouchForMe CEO Matt Peterman https://twitter.com/MTJPeterman


If you have any questions join VouchForMe Telegram https://t.me/InsurePal

How many tokens will be put on the main stage of the ICO?

Market Cap
$3,322,466 USD
515 BTC
11,911 ETH

Volume (24h)
$235,845 USD
36.53 BTC
845.47 ETH

Circulating Supply
201,000,000 IPL

Total Supply
300,000,000 IPL

Greetings from VouchForMe office, all together working on the platform and making it better.

https://preview.ibb.co/fb1QJK/photo_2018_08_21_15_22_38.jpg

It is cool to see that team is working hard on product

i find out about Vouchforme on facebook

i read www.vouchforme.co

i would like to know where can i buy token?

VouchForMe IPL token is available on Livecoin, Mercatox, HitBTC, CoinBe, Idex

Vouchforme is a next generation of peer-to-peer insurance based on social proof endorsements, fully harnessing the power of Blockchain innovation.

Aug 22

Short Stories with Lučka Čokl Preis, CMO

https://medium.com/@InsurePal_io/short-stories-with-lu%C4%8Dka-%C4%8Dokl-preis-cmo-83ce20e47d63

Interesting project - will focus on progress and then invest

just bought IPL in Hitbtc 

i will store them and wait for platform so i can use them

IPL is in ETH performing pretty well  that is nice to see

https://preview.ibb.co/kgS0tU/photo_2018_08_25_11_29_15.jpg

Product
VouchForMe connects individuals and gives them the opportunity to cut down costs of their insurance premiums using social proof endorsements. It is a next generation peer-to-peer web application, where users can endorse friends for their diligent behaviour. The endorsee receives a financial guarantee. The endorser, in turn can expect a returned endorsement when due. Social endorsements act as a security guarantee that allows users to maximize savings. Social proof is the vehicle which makes VouchForMe the global “go-to” blockchain solution for insurance and other GIG economy sectors.

i see that product will be a masterpiece

i hope for fast adoption and usage

https://vouchforme.co/product/

Even though summer is slowly slipping away, exciting times await VouchForMe as bursting autumn is already knocking at the door. When everyone’s coming back from their vacation fully recharged and eager to get back to work, autumn usually tends to be hands-on the busiest season of the year. Nonetheless, the VouchForMe team kept the pace also through the hot summer months, as we have been fully occupied developing and optimizing our platform (you can read more about our progress in the Product Development blog post from July and June).

At the same time, we paid extra attention to make sure that our product suits the needs of our future users. To do this the best way possible, we have decided to conduct a market research with a few focus groups to help us better understand wishes, needs and requires of our primary target group. We tested the case for motor insurance.

Our key objectives were to:

· find out about product understanding and perception

· explore the perceived benefits, motives, barriers to decision

· gather suggestions for communication/messages

· identify the target group and its social network

· understand attitudes about the financial aspect of the product and rewards.

The results confirmed that our product is heading in the right direction. Individuals younger than 35, who are our primary target group, concluded that getting a discount on their insurance premium would be very helpful, desirable and useful. They were also highly intrigued to use the application once it would launch.

When asking for an endorsement, they would first think of their immediate family, and in the second place, they would consider close friends. They also expressed immediate readiness to endorse in return and believe that the idea of endorsement would put highly moral pressure on the VouchForMe user, which would trigger positive effects towards the safer driving community. Focus group individuals stressed that the product’s key success factor is also an easy-to-use application demanding a minimum amount of personal data entry.

We are making sure all of these critical findings are carefully ingrained in the VouchForMe platform for which we are already receiving positive feedback as we are presenting the alpha demo to potential business partners. Currently, we are in discussions with nine interested parties for possible business collaboration, spanning from health and motor insurance to property rentals and pension insurance in seven different countries, including UK, Portugal, Switzerland, Romania, The Netherlands, Russia, and Slovenia.

Apart from finalizing our platform and getting ready to launch the product, VouchForMe is keeping up the pace promoting the social proof blockchain model across the globe. We are always looking forward to presenting our platform and vision at events that give us the opportunity to address potential business partners and attract crypto/insurtech enthusiasts. As we mentioned before, autumn will be extremely busy as it will also be packed with fantastic events. We promise to disclose details on the first events quite soon and as for now, we can share the information that they are spanning from the USA to Japan.

https://medium.com/vouchforme/behind-the-scenes-37d10a1b3c32

I think the way it works is good, everything is handled by the community, which one
the community is fully responsible for the development of this project, and community work is not overshadowed by the company, I agree with it all

Who is the pipendrius with the laptop? I feel like I know that homosapience. The possibility is that its the escaper from private zoo-garden, last time he was in the spotlight he had wooden crotches and lacked breasts. Someone has just recently fixed this guy. We will be monitoring with diligence the future state of the lab shown on photo and health condition of the escaper.

With the rebranding of VouchForMe from InsurePal, do you think it has really good impact on the project? How far is your progress from your target product?

from all that I read I like the idea only. your announcement looks awful. the site is made very quickly and not thoroughly. Your road map looks boring and not complete

will there be things - platform released regarding roadmap timelines? or no?

It is - read more about rebranding here https://medium.com/vouchforme/more-than-a-name-change-c41421b57b17

We are on track with development with roadmap from whitepaper. So stay tuned for more in near future

Pieces of the puzzle called the VouchForMe Social Proof Platform are continuing to be put together, with great care and enthusiasm, by our team. In the last Product Development update post we explained the nitty-gritty details about the progress on smart contracts, back-end development, and front-end fine tuning. For the peak of the summer, we chose to focus on two critical aspects of our product: money and legal compliance. We couldn’t quite decide whether to call them hot or cool topics; we just knew they needed to be done, no matter the chills they might give us.

Online Payments

Vouching is the focal point of the whole VouchForMe concept. Moreover, when we say ‘vouch for’ or ‘endorse’ we are dead serious: VouchForMe needs users to really put their money where their mouth is. In our case, this means that each endorsement (that brings so many benefits to both the endorser and the endorsee) will need to be supported with the endorser’s “flexible friend” called Visa, MasterCard or something of the sort. What this requires from us is to connect with a reliable and flexible credit card processing partner that supports the specifics of the VouchForMe use case: the endorser’s credit card stays on file only as a guarantee. Unlike an online store, if everything goes well, VouchForMe doesn’t touch the card for weeks, months, well, preferably never.

Legal Framework

Now that the prototype platform is up and running internally for demo and testing purposes, we were able to go through the whole user journey with our legal team. They needed to see and understand what specific legal issues arise when users interact with the product. For example, the endorser needs to be aware of the vital elements of an insurance policy in question — which needs to be, on the other hand, treated as a piece of confidential personal information. Many other steps of the user journey also require a similar kind of balance between practicality and the right side of the regulation. All in all, what the legal proof-check will to boil down to is, first, minor adjustments of the user experience so that legal compliance can be ticked off, and second, a nice little document or two called Terms and Conditions and Privacy Policy. Yummy! (Don’t worry, we’ll share those two candies with you, too.)


https://medium.com/vouchforme/product-development-update-august-557d90cf7267

Welcome to the fourth VouchForMe Reddit AMA (Ask Me Anything) thread.

We invite everyone to submit questions and upvote/downvote the questions of others. The AMA thread will be unlocked every first Friday of the month at 12:00 CEST (+2 GMT) until Saturday 12:00 CEST (+2 GMT) after that the thread will be closed. To have the best possible experience and outcome of AMA, please keep in mind some basic rules:

Only top 30 most upvoted questions in the thread will be answered.

Post only 1 question in the post. If there are multiple questions in the post we’ll only answer the first one.

Please do a quick search before asking questions to see if it was already posted and answered.

We will answer all of the top-voted questions until the latest of Monday evening. The questions will be later transferred to VouchForMe blog.

https://www.reddit.com/r/VouchForMe

The Queen, £4.5 billion in security deposits and blockchain. How VouchForMe platform can replace security deposits.

https://preview.ibb.co/iSZ1Ee/ae884af0_efb7_472a_8cf6_db40f37ddaee_original.jpg

lol ico is already over dude


it is time for launch of vouchforme platform and adoption

bright times will come

VouchForMe AMA September 2018 Recap
https://medium.com/vouchforme/vouchforme-ama-september-2018-recap-5004ff0ace9f
Another edition of Ask Me Anything session on Reddit is successfully finished. Again we received a great list of questions and some of them sparked new thoughts and ideas. For all who couldn’t join the discussion, we are happy to share the recap also here on Medium.

i asked on telegram few things and i got all answers

interesting - volume is going up on Livecoin   i guess more and more people are investing in VouchForMe

will there be any news in future?

How peer-to-peer concept is changing our lives into collaborative lifestyles

https://medium.com/vouchforme/how-peer-to-peer-concept-is-changing-our-lives-into-collaborative-lifestyles-4833fb93a7b3

We are excited and proud to present the VouchForMe #socialproof concept to the leading #insurance players from the #UK and abroad at Friday's  #Insurance3point0 in London with @Market_Minds!

https://twitter.com/Vouchforme_co/status/1042344225029976067

VouchForMe co-founder https://twitter.com/tomaz_volk will speak at

https://twitter.com/hashtag/Finsum?src=hash organized by Nikkei, in Tokio, 25 - 28 Sept!

He will share the panel session with Wayne Xu (ZhongAn Insurance).

https://bitcointalk.org/index.php?topic=2495721

Old thread is still unlocked you should make it lock to avoid confusion some people are lazy to read last update into that topic. From my point of view at the moment we have big chance to accumulate after looking over the activity of the team. I think it will catch the good streak soon.

it is happening  -  i am happy to see that 

okt nov dec 2018 will be hot for VouchForMe i feel it

We walk the talk, and this is why we are joining the Future of Trust Summit in the Netherlands.

VouchForMe co-founder and CEO @MTJPeterman will contribute to a roundtable discussion on how trust can be digitalized with #blockchain.  @DutchChain

#insurtech

https://futureoftrust.eu/

Future of Trust Summit
Collaborate in a curated roundtable setting in the historic heart of Dutch democracy, the Hall of Knights, in the Hague.

The 21st-century challenges are decentralized yet interconnected, and thus cannot be solved by a single organization or software platform. To solve these challenges, we require the entire networks of organizations and individuals that operate on a new type of public-private infrastructure allowing them to achieve common goals. We call these networks ecosystems.

Join the 250+ selected international pioneers, leaders, venturers, and creators who all work at the forefront of a societal and economic transformation powered by breakthrough technologies, finding new ways to co-create the future together and move forward.

Work in a multi-disciplinary, multi-stakeholder environment and gain a deep understanding of how the 21st-century challenges can be articulated. The Summit provides all stakeholders with a crucial input and context awareness necessary to contribute effectively to the co-creation of decentralized solutions that support the ecosystems.

The Future of Trust Summit kicks off of the Blockchaingers Open Innovation Program 2018-2019. The follow-up agenda consists of 15 tech, legal, and regulatory deep dives that prepare all participants for the third edition of the largest Blockchain Hackathon in the world where new decentralized solutions are launched. The second edition of the annual Future of Trust Summit is hosted by the Dutch Ministry of the Interior and Kingdom Relations, StartupDelta and DutchChain. The Summit is part of a series of events “Knights of the Future”, organized by StartupDelta.

Leverage the momentum at the Future of Trust Summit where alliances grow, agendas are set, and business gets done.

Short stories: Interview with Matt Peterman, founder of VouchForMe

This short story is a bit different from the rest of the series — with a reason. This time we have put our founder and CEO Matt Peterman into the spotlight and asked him a few questions regarding company evolution and product strategy.

1.Hi, Matt, it seems the past few months have been very busy despite the proverbially quiet summer months. We have read a lot about the product and about the business development side of the VouchForMe project.

It’s true. The summer has been busy and exciting because of discussions with clients that are keen to explore our solutions in insurance and blockchain. During the last three months, we have met with more than 15 companies from the insurance and property rental sectors. We have undergone a successful rebranding and chose a brand name which nails down the essence and vision of our platform. We have conducted workshops to better understand the motives that drive our future end-users and used that to fine tune our product in order to achieve a better market fit. At the same time, our development team has released the alpha version of the platform which we have been testing and adapting to our clients’ needs, mainly insurance companies and rental agencies.

2. When you say platform and products, it seems that there is more than a single release coming out.

We have been active on multiple levels, testing the social proof concept and platform at a series of workshops and meetings with clients and other stakeholders that we need to work with: banks, regulators, exchanges, blockchain network representatives etc. Their feedback made us realize that our platform might need to support multiple products, depending on target market specifics. For example: challenges within various categories of the insurance business are very much similar, but if you compare those to the property rental business, we see fundamental differences that our product would need to support. As it seems at the moment, the VouchForMe platform features may develop in three directions: VouchForMe Insurance, VouchForMe Rental, and VouchForMe Base.

read more https://medium.com/vouchforme/short-stories-interview-with-matt-peterman-founder-of-vouchforme-15fe69471c00

Dude are you serious ICO is over long time ago :)

Soon will be platform release and adoption - can't wait to start using it

Short stories: Interview with Matt Peterman, founder of VouchForMe

https://i.imgur.com/SFyUCwK.png

https://medium.com/vouchforme/short-stories-interview-with-matt-peterman-founder-of-vouchforme-15fe69471c00

2. When you say platform and products, it seems that there is more than a single release coming out.

We have been active on multiple levels, testing the social proof concept and platform at a series of workshops and meetings with clients and other stakeholders that we need to work with: banks, regulators, exchanges, blockchain network representatives etc. Their feedback made us realize that our platform might need to support multiple products, depending on target market specifics. For example: challenges within various categories of the insurance business are very much similar, but if you compare those to the property rental business, we see fundamental differences that our product would need to support. As it seems at the moment, the VouchForMe platform features may develop in three directions: VouchForMe Insurance, VouchForMe Rental, and VouchForMe Base.

platform si comming soon guys ..whaat :D Can't wait.

#WCC2018 welcomes Matt Peterman, Founder at @Vouchforme_co to our lineup of industry-leading speakers!

Peterman has worked in the insurance business and venture capital for over 15 years, investing and helping private equity companies grow. #blockchaintechnology #decentralized

https://twitter.com/WorldCryptoCon/status/1046419789281923072

New Times of (for) Insurance

https://medium.com/vouchforme/new-times-of-for-insurance-59ba42ad1536

https://preview.ibb.co/kHyGrz/1_o1afv_Orp_Jh_Qr2z_F13gb7_FA.jpg

Very very promising!  Heads up

A step further

Today, some aspects of our lives are almost fully digitalized. Our individual social ecosystems exist in two parallel worlds: digital and physical. Adoption of the internet, social media, and all other forms of digital activities are making our social ecosystem digitally connected as never before. Many businesses are harnessing the shift to digital and online connectedness to its full potential. VouchForMe goes a step further by combining digital social networks with our real-world relationships in the form of social proof and offering an insurance model that awards diligent behavior with lower premiums.

Soon you will be able to take VouchForMe for a spin, but until then check our social media accounts listed below to stay in touch with our latest happenings.

i am sure vouchforme will bring insurance and new products for new generations to the next level

time will tell and i believe in team - they will deliver :)

VouchForMe AMA October 2018 Recap
VouchForMe hosted October Ask Me Anything session on Reddit last Friday. For all who weren’t there here is a short recap.

Q: Will there be any detailed reports from conferences I see the team is all over the world in last month?

A: Our team members were attending events and conferences literally across the globe presenting VouchForMe. We are gathering our insights and will publish a full recap already this week.

Q: How many insurance companies are working with you at the moment?

A: As mentioned in our previous posts, we are currently in discussions with nine interested parties for possible business collaboration.

Q: Is Charlie Shrem advisor of the project now, is it not dangerous from future KYC if VouchForMe wants to work in the USA?

A: Charlie Shrem is enthusiastic about many different projects which are disrupting the existing business models. He recognized VouchForMe as one of these.

Q: When Moon?

Moon-soon. :)

Q: Will the pilot include the three products (2018) or do you plan to launch them separately?

We are developing one platform that will be used for different solutions. In the pilot, we will first focus on the insurance solution as we feel that focus is necessary to get an optimal product. After that subsequent versions will be released.

Q: In the UK, apartment rental deposits are a pain point the queen went as far as making a decree to limit security deposits. In 2019, rental (letting) deposits will be capped. This has landlords worried that many renters will simply avoid paying their last month’s rent and walk away from the deposit. Explain how Social Proof could help build tenant/landlord trust in such a scenario.

What VouchForMe does by collecting endorsements for tenants in the form of social proof, is guaranteeing to the landlord that his tenant is indeed a reliable renter. When a person is part of the VouchForMe platform it can be said he or she is more trustworthy.

Q: Last August, Lučka Čokl joined your team in the capacity of CMO. Can you tell us what the spear points of her marketing strategy are, and the execution thereof so far?

The entire VouchForMe team is concentrated on launching our product, so are Lučka’s efforts as well. We are working on the launch plan including communication and advertising strategies to onboard our first clients in our target markets on the level of B2C as well as B2B.

Q: How many partners do you currently have under NDA and when is the plan to disclose their names and scope of cooperation?

A: As mentioned earlier we are currently in discussions with nine different interested parties. Once the deals are finalized, and projects involving business partners are ready to be launched, we will be able to disclose the names and the scope of cooperation.

Q: When will I be able to u get insurance through the VouchForMe platform and how will customers be paying for insurance?

A: VouchForMe itself is not an insurance provider. An insurance carrier still does insurance. What VouchForMe will provide is the opportunity to lower the cost of the insurance premium with social proof.

For more updates stay tuned and join the conversations on our social media.

2018 and 2019 will be very important for Vouchforme idea and platform release&adoption!

Endorsee
Family members, friends and colleagues endorse you for being a diligent driver which enables you to save money on an insurance policy.

Endorser
Endorsing friends, family members, and colleagues for being diligent drivers opens up the possibility to receive a returned endorsement and save money on the insurance policy. Each endorsement is also rewarded in IPL tokens to be used as one wishes.

Endorsee: the one being endorsed
Being a safe and exemplary driver means that there was probably not a lot of car accidents you have been involved in the past. Or if you were, then probably it was not your fault. However, you still pay the same premium for car insurance as someone that’s not as good of a driver as you are.
Now you can finally stop paying for the mistakes of bad drivers. With a trusted endorser who will financially guarantee for your exemplary behavior you have the ability to lower the cost of your insurance premium. You have the propensity to receive multiple endorsements and give your friends the possibility to vouch for you with the amount they feel most comfortable with. Your endorser will only be financially responsible if you cause damage by your own fault.

Endorser: the one who endorses
We all have friends who are safe drivers whom we feel comfortable riding in a car with. VouchForMe gives you the opportunity to guarantee for their exemplary behavior.
When your friend claims an insurance policy, they have the opportunity to invite you to join the VouchForMe platform and vouch for their safe driving. After registering, you are able to compare your friends insurance policy, how many endorsements they have, and how many days you have left to complete the endorsement. Each endorser can decide for themselves the amount will they vouch for their friend. For making a social proof endorsement, your friend will end up with a considerable premium discount, whereas you`ll receive an immediate incentive in the form of IPL tokens.

Vision
VouchForMe brings out the essence of trust in a smart digital way and improves the risk selection process.
By enhancing trust among peers, it enables the social proof of an individual to be locked into the ledger. Therefore, it can and will self-regulate without the need of an industry-funded regulatory body. This, whilst continuously allowing us to create new attractive solutions, addressing both; the challenges of today and those of tomorrow. VouchForMe users will be able to get endorsed for their diligent behaviour and save money with it. Whether it is a car, home, or business insurance, we got you covered.


Read more about Vouchforme product

https://vouchforme.co/product/

can't wait to see product

Mark you calendars to join VouchForMe founder @MTJPeterman Peterman hosting a keynote speech @WorldCryptoCon on Friday, Nov 2, at 2:50PM in the Orovada hall.

https://preview.ibb.co/g16yfq/Dq-LMNCCXc-AAVm0q.jpg

VouchForMe presented on World Crypto Conference in Vegas  ;D ;D ;D

https://i.imgur.com/gQ1QRSZ.png

Got this from Telegram. Wish good luck to Matt ! I think the platform is neeeeaar.

https://i.imgur.com/KkTFSM0.jpg

We are proud to announce that we have successfully fired up the VouchForMe platform! For now, we are running it in our software garage, just to make sure all pistons are going up and down smoothly and that nothing is overheating. But yaay, it works! And we are really excited about you taking it for a test drive soon!

User experience (UX) optimization

Well, before we do just that, you should be happy to know that we have a couple of UX gurus in our team who are relentlessly testing the platform from the user’s perspective. They are digging out bugs, pushing the software engineers to make stuff smooth and easy to use, and regularly giving copywriters a hard time if they find a missing piece of text or a bad explanation in the user interface. They are doing all that because they think bad UX is not the user’s fight to fight. And they are right, and we love them. Until they knock at your door.

Putting it all together

The UX improvements, of course, come extra to a lot of other stuff that is also going on on the engineering side right now. There is always those final few lines of code missing here and there — simply because a software product (like many others) is best viewed as work in progress anyway. So if anyone thought that after launch there is a three-month vacation, the joke is on them. Also important, the platform is actually several pieces of software mounted together: backend, frontend, blockchain, messaging, payment components, etc. Moreover, even though each piece is made using the finest technology and talent available, the interactions among the parts and their overall functioning once they are integrated into a single solution need to be tested and improved over and over.

UX and integration… — It translates to trial and error and improvement. A bit like fine-tuning an orchestra. Stradivari violins, world-class musicians — no matter how good the tools and the people operating them, you need to test, rehearse, miss a tone, do it better the next time. Until you are happy with the sound of it.

https://medium.com/vouchforme/product-development-update-october-566fa8e8b2f4

The three pillars of the new decentralized insurance

The crypto is expanding from digital trading to something that will soon become a vibrant parallel economy.
VouchForMe is making important strategic partnerships to build the three basic pillars of future business represented by blockchain ID, arbitrage and insurance. They will help grow confidence among all the stakeholders and massively speed up the business operations on the blockchain.

Read more:

https://vouchforme.co/token/

When platform?  We are Q4 already?   i hope it will be launched soon

For insurance companies, blockchain very important and will save a lot of money for them.
But until they show at least some kind of prototype, nothing can be talked about success chances. The main problem of such projects is safety. Any hacking and project closes. In this market, trust is above all.

Being a guarantor of a friend, if he does not settle with the pending commitments, then will I be responsible for such commitments, or will the project protect me in any way?

So if your friend does not pay what he/she has promissed, then you, as policy holder, are liable to pay oustanding amounts (ie MTPL insurance) or you just don't get what you've been promissed from your friend (ie casco insurance).

If you have more quesstions join Vouchforme telegram https://t.me/InsurePal

Blockchain and insurance at D1 conference in Prague. @MagdaRamada from @WTW_ins with a worldwide overview of blockchain initiatives in insurance.
If at @d1conf you can catch with @Vouchforme_co developers.

https://twitter.com/Vouchforme_co

Pretty logical explanation. But my main question is how much will it save a person/company in the end? What amounts/percent are we talking about? Saving money is the most important thing in the project.

VouchForMe for Motor Insurance

Share your motor insurance deductibles with friends and lower your insurance premium with VouchForMe social proof platform.

See new video presentation

https://www.youtube.com/watch?v=5Gz7C5vh6u4

#Vouchforme team @WorldCryptoCon. See u all tomorrow at booth #411!

https://twitter.com/Vouchforme_co

https://preview.ibb.co/ihEfxf/photo-2018-10-31-19-23-28.jpg

https://preview.ibb.co/n9uAV0/photo-2018-10-31-21-02-31.jpg

Say hi to @SatoshiLite Charlie Lee LTC founder  to @WorldCryptoCon 2018 and VouchForMe

https://preview.ibb.co/jax8Hf/photo-2018-11-01-06-46-22.jpg

https://preview.ibb.co/hmq13L/1-Ib-Q4-ELSbk-AMG8rew-Jqq3-Aw.jpg


VouchForMe has released a closed beta test version for desktop web browsers. The first beta version supports offloading/sharing of the motor and health insurance deductibles on existing insurance policies with friends and family. Guarantees and rewards payment transactions are supported with test tokens BVFM. In the official launch, transactions will be made available in fiat currencies and IPL tokens.

Sign up now for closed beta testing here!

https://vouchforme.co/beta/

For the initial test period of the next two weeks (starting Nov 1, 2018), we have secured 100 beta tester slots. Signed up users will be admitted to the platform in up to 48 hours after submitting their email and crypto wallet address. Each user will be transferred a fixed amount of 25.000 BVFM test tokens to use for transactions on the platform.

Registered beta testers will be able to invite friends to vouch for them for the existing insurance policies, vouch for friends in return, and carry out transactions in BVFM test tokens.

Matt Peterman, founder of VouchForMe: “For the past few months, the VouchForMe team has been working hard to build our social proof platform based on blockchain technology. We have played out numerous scenarios, customer journeys, scrutinized legal aspects, went back and forth designing smart contracts — and now we feel the product is ready for a thorough test.

We are looking for honest and straightforward feedback from knowledgeable people in order to improve our product. We want the final release to be user-friendly, clear and really stand up to the main goal: offer insurance clients a go-to product for lowering insurance premiums using the power of social proof.”

https://medium.com/vouchforme/vouchforme-join-closed-beta-testing-fc7fb404290f

thank you for beta - so we investors can first try platform

keep up the good work and continue with all that

If people are somehow on their own and don't have a ton of friends, will it be still possible for them to build a reputation within the network?

This is a very difficult question. Usually you always have to start somewhere. Glory doesnt come immediately and requires a very long and hard work. Without this job there is almost no chance of success.
They are trying to do something interesting though of course the chance is very small. This site is already occupied by the largest companies in the world.

Vouchforme launch in Las Vegas

Would you vouch for your friends and help them offload their insurance deductibles? Give VouchForMe a test drive at closed beta testing. Sign up at https://vouchforme.co/beta/

Stand has been this busy for the last couple of days  at WorldCryptoCon

https://preview.ibb.co/mLEZTL/photo-2018-11-03-07-33-43.jpg


https://preview.ibb.co/b1y6a0/photo-2018-11-02-19-46-46.jpg

https://preview.ibb.co/dpPev0/Dr-Fa-Xl-SXg-AEv-Dk-J-jpg-large.jpg

https://Vouchforme.co

looking interesting

where can i buy token?

VouchForMe IPL token is available on Livecoin, Mercatox, HitBTC, CoinBe, Idex, Etherdelta, Forkdelta

This is usage of IPL token ecosystem on platform i think

How IPL tokens could be used
As an Insurance Premium Bonus
To obtain new insurance, the insured will have to upload a photo of their existing insurance policy so that VouchForMe can calculate a discount.
Doing so, every client will receive a specific number of IPL token (20% less for a cash discount), growing proportionally with the number of endorsements received.

As Credit Score and social Proof Score
Social proof endorsers will be able to make the guarantee with the credit card or via a smart contract.
Their social proof guarantee will consist of relevant information on the client (the insurance holder) and will serve to them as a credit report. If several endorsers will guarantee for the same person, their credit score will proportionally increase in value. In parallel to token transactions, these information will be stored in the general ledger being partially encrypted and partially public. The encrypted part will only be disclosed publicly if its holder approves.

As Claims Adjustment
In the future, the VouchForMe may appoint some members of their VouchForMe community to process and report on the claims, a service that will have a financial incentive.
Claims which will go beyond an agreed threshold (exact amount to be decided) will be decided by professional claims adjusters who will report their recommendations to VouchForMe before informing the client. In essence, there will be no need for an insurance company involvement as everything will be settled by the community on the bases of blockchain and smart contracts.

For Insurance of Blockchain Business Transactions
This type of insurance will be conducted in IPL tokens solely.
The incentives for the endorsers will be paid in IPL tokens as well, whereas their guarantee can be done with other means as well. All fees coming from the side of possible participating insurance companies and other third-parties will have to be paid with IPL tokens too.

As an upfront Incentive
For each new social proof guarantee, the endorser will receive an incentive in local fiat currency or in IPL tokens.
The endorser will be able to sell the IPL tokens immediately, speculate and wait for an even higher market value or save them to buy/renew their insurance policy in the future or to pay some services at shops where they will accept IPL.

As a Social Proof Identity
The clients holding IPL will be able to identify themselves within the VouchForMe Community.
In the long run, they will be able to sell their own social proof guarantee without revealing their identity to institutions or reinsurers in order to get the guarantee and a proportionate share of their insurance premium.

testing - pretty good UIX and processes

where can i send feedback?

https://preview.ibb.co/cqzEV0/photo-2018-11-03-20-18-31.jpg

You can see on beta platform right top  button  and you will get that form for report feedback (also attach screenshot of idea or problem)

VouchForMe will be a community-wide project for the insurance sector. But how will fairness and transparency be done by VouchForMe?

i send 2 little typoo's  other is very clean and simple to use  have no other comments for now

If someone knew the exact answer to this question, he would have become a very, very good man, I think. Let's see what the team will show, but at the moment I'm not impressed.

It has to start somewhere, but if people with large networks get a head start it may discourage others to get involved. Would be good to know how you can that build up your reputation.

I'm sorry but social proof is ridiculous. It's not a fair system. It can be manipulated. What if someone has no friends, and they like it that way? Also, most people are not honest.  Using feedback on a service is great, but on an individual is scary. Why? Have you tried to sell on eBay ever?

I also feel that this would end up to be a very exclusive service for those who are privileged anyway.

Product
VouchForMe is a web application based on blockchain technology that enables users to vouch for their friends' diligent behavior. By effectively sharing their insurance edeductible with each other, users enjoy lower insurance premiums. The guarantees a user obtains provide social proof - this is the vehicle that makes VouchForMe the global go-to solution for insurance and various gig economy areas.

https://vouchforme.co/product/


sounds great - we will see adoption in next years

Social proof is not asking only friends to guarantee. Also, your family (father, mother, brother) or co-workers can guarantee. If somebody has no intimate social circle he is not a good target for social proof. And eBay is a perfect example of using social proof. Currently, platforms like eBay enable policing and trust among members (and charge a hefty price for that). If we do it with social proof it means that in order to do the trade the other party - selling party- has to show that he has guarantees from friends, family, co-workers. In case that product received from the seller has not been as promised guarantors can be charged again if the product does not have promised features. Or to put it simply if you sell me an iPhone and instead I get Huawei phone I can get the funds back from your guarantors (and you get your Huawei phone back).


History has shown that most of the communities that were below 150 members did not need police, governmental structures since they were able to self-regulate themselves.

People for money can leave any positive feedback. So the trust system between friends does not work. In any project where there is something other than proof of ownership or proof of strength there will be no success. Although it will and show something interesting, but I definitely will not invest in such an idea.

https://preview.ibb.co/j2RnPf/9.jpg

nice to see some price movements

The science of social proof
“Social proof is a natural, built-in mechanism within all of us, representing people’s moral compass.”

Based on a personal risk assessment, a guarantor vouches for a trusted friend by means of a financial guarantee. This creates a positive incentive for the friend to act as a responsible insurance client. Through vouching, the entire network becomes more risk aware, encouraging a positive change in behavior.

interesting approach

How to become an innovator in InsureTech. (VouchForMe mention in the article)


https://www.fintech.finance/01-news/how-to-become-an-innovator-in-insurtech/

VouchForMe November AMA Recap

This week we’ve welcomed this season’s first snow and held the first semi-winter Ask-Me-Anything session. It is great to see more interesting and relevant questions coming in. In case you’ve been already enjoying autumn/winter somewhere outside and missed the November Reddit edition, here is the recap. The next one will be on again in December!

Q: You are testing the beta platform until 21st Nov. Could you tell us the approx date (for instance, Q2 2019) when you are planning to go live with its real use?
A: After finishing the testing period, the product team will fix the last bugs, and before year-end, we plan to go live.

Q: I think endorsers who choose to receive IPL should have more advantages over fiat users. If not so, endorsers unfamiliar with cryptocurrencies would avoid getting IPL, only to use fiat in all transactions. To increase and keep the value of the token, IPL users should be treated better. What do you think about that?
A: We completely agree. However, smooth introduction and product adoption are our main priorities. At the moment, the adoption of crypto on the mass levels is still in early stages, and we need to direct our efforts to the promotion of the IPL tokens too.

Q: Will there be any testing report for us testers or whole public?
A: We plan to compile the FAQ document and share the main findings with the public.

Q: When will you reveal names and number of insurance companies onboard?
A: We are developing our product in two directions. One in cooperation with business partners (insurance companies), and the second as a stand-alone that doesn’t require third-party business partners for end customers to use the VouchForMe concept (see the interview with Matt). The names of the companies that want to include the VouchForMe into their product portfolio can and will be announced when the projects are live.

Q: Did you get maybe some partnerships in Las Vegas?
A: We have established connections with the market influencers, and we are leading the conversations on potential partnerships further.

Q: How big is the VouchForMe team and how many programmers do you have?
A: At the moment the team has 15 team members, out of which 5 are developers.

Q: Do you consume enough vitamins and minerals in your diet? We need the team to stay healthy. The flu season is right around the corner.
A: Thank you for being so thoughtful! We are making sure viruses don’t catch us. There are plenty of vitamins on our desks.

Q: What is your actual roadmap?
A: Our development roadmap is the same as stated on our web page. In parallel, we are working on business partnerships and developing the product.

Q: How many current test users do you have?
A: Currently, there are 92 testers onboard. If you still want to join, don’t wait too long.

https://medium.com/vouchforme

Cryptoassets and the windy road of adoption

https://medium.com/vouchforme/cryptoassets-and-the-windy-road-of-adoption-bd0a01e3b095

adoption will came

turnover will bring new ath's and mass usage of blockchain&crypto networks

and only strong companies&products will survive

i believe that vouchforme will be a story of success with revolutionary social proof idea

 :-*

Our closed beta testing was ended on Nov 21st. We were happy with the response in the number of beta testers. We filled 92 out of 100 available slots. Many thanks to all the reported bugs and suggestions. In this post, we outline a few examples of our testers’ feedback.

During a period of three weeks, our internal testing team and outside beta testers identified 40 different issues. Half of those were front-end related, a third were UI issues, while less than a fifth had to do with the backend. If we look through the perspective of the nature of the issues: a third are considered bugs, a quarter are new feature requests, a sixth are missing functionalities, while roughly a quarter of reported issues are minor polishes.

Front-end

The majority of bugs were spotted by our internal team and logged into our improvements roadmap. The bugs were related to missing values, browser compatibility optimization, app misconfiguration, and, in a few cases, typos.

UX and improvement suggestions

Overall, the entire process is considered to be clear and the navigation OK, testers also said that the vocabulary used was clear. Some minor issues were spotted in the vouching and claim steps. Suggestions for improvements concern invitation steps and email communication. Our support team dealt mostly with issues caused by the MetaMask functionality.

Back-end

The minor backend issues with audit log management were resolved immediately.

All reported issues are already being dealt with by our development team, with a quarter already resolved. Suggestions for improvements and/or new features have been put into the backlog. We are happy to say that the product is functional, all transactions were logged on the blockchain, and that the entire process from registration to guarantee collection is working.

https://medium.com/vouchforme/beta-testing-report-summary-1632179999c5

Product
VouchForMe is a web application based on blockchain technology that enables users to vouch for their friends' diligent behavior. By effectively sharing their insurance edeductible with each other, users enjoy lower insurance premiums. The guarantees a user obtains provide social proof - this is the vehicle that makes VouchForMe the global go-to solution for insurance and various gig economy areas.

hope that we will see soon real product in real life working

Experienced Advisor with a demonstrated history of working in the financial services industry especially with distress asset. Skilled in Portfolio Management, Corporate Finance, Asset Management, Investment Banking, and Equities. Strong professional with a Bachelor's Degree focused in Economy from Univerza v Ljubljani.

This is somewhat I called a unique. I think by hiring that Experienced Advisor would be a great thing and it would give the project more boosts.

https://vouchforme.co/product/

waiting for updates! :)

The VouchForMe team is happy to announce the release of the first version of the product. This version enables insurance clients to share their existing insurance deductibles with their friends and family members. By vouching for the insurance clients, friends and family members guarantee to cover for a part of the deductible that the client has included in his/her insurance policy. This means that they will pay for a part of the applied deductible in case of an at fault claim.

The app is available at https://pls.vouchforme.co

Using VouchForMe, insurance clients effectively offload a part of their risk on the members of their social circle. Thanks to their support, the insurance clients lower their own exposure to high deductible costs in case they file a claim.

In practice, VouchForMe helps manage the process of inviting friends and family to vouch, creates agreements between the insurance client and individual guarantors, and, in case of a confirmed claim, facilitates the guarantee collection procedure.

The current version is insurance company independent, available worldwide and offered free of charge for the promotional period of three months.

https://medium.com/vouchforme/first-version-of-the-vouchforme-live-678f1ac89d99

Welcome to the last VouchForMe AMA session in 2018!

We invite everyone to submit questions and upvote/downvote the questions of others. The December AMA thread will be unlocked from Wednesday, 19 Dec, until Friday, 21 Dec, 12:00 CEST (+2 GMT) after that the thread will be closed. To have the best possible experience and outcome of AMA


https://www.reddit.com/r/VouchForMe/comments/a7o1oe/vouchforme_ama_december_2018/

congrats for release

Following the release of the first version of VouchForMe product, the last 2018 AMA session on Reddit and Telegram has been bursting with questions. It is great to see so much interest in our product. As always, here’s a full recap.

Q: Congrats for the release but I have one question? What is your marketing strategy? And which markets are the main goal?

A: Our main strategy is to close business partnerships with affinity groups and insurance carriers where VouchForMe adds the most value to end users and insurance companies at the same time. EU + USA.

Q: Why is there a promo period?

A: Since we are introducing a completely new concept to the market we decided for a promo period as an additional incentive to onboard first users.

Q: Is there a benefit given for sharing the deductible?

A: Insurance clients effectively offload a part of the risk they are exposed to by having deductibles in their insurance policy on the members of their social circle. They benefit by lowering their own exposure to high deductible costs in case they file a claim.

Q: Yes, this is understood… however what about the benefit to the voucher from the social circle? this model re-distributing the deductible costs of a social circle so essentially would require mutual vouching to work.
A: You are right — mutuality is an important part of the equation, but not mandatory. If someone vouches for you, you will most probably be prompted to do the same in return for the favor.

Q: So it’s a preemptive GoFundMe, collecting pledges before the need arises in case it arises?

A: When you vouch, you don’t pay (or fund) anything. What you do is give a promise you will in case a claim is filed. At the time of vouching you choose the maximum amount, you are willing to guarantee for.

Q: When will you reveal insurance companies names?

A: Partnerships will be announced when joint projects are ready to be launched.

Q: Is the product with insurance companies going to be international?

A: VouchForMe Unlimited is available worldwide. All other projects in cooperation with insurance companies and business partners will be limited to a specific market(s) based on the legal conditions. Obviously, depending on the insurance company we can work in several markets with the same insurance company.

Q: What is the plan for the token use?

A: The plan for the token use stays the same:
● Payments of the service fee on the platform
● Rewards in IPL tokens for guarantors
● Payment for different services that will be part of the platform
● Development ecosystem payments/remuneration for developing the VFM ecosystem and platform
Favorable prices for payments for all services in tokens will be implemented.

Q: What is your plan to boost the usage of IPL token?

A: We plan to adjust the promotion strategy of token use to the target market, level/state of crypto adoption, and/or our business partners’ GTM strategy. It will include research and testing of different elements and channels which will help us establish what works best. There is no one-size-fits-all recipe. The only way is to test and focus on the adoption of the VouchForMe concept.

Q: How many token holders are still there and does the company still have enough funds for development in 2019?

A: The number of wallets holding IPL token is visible at: https://etherscan.io/token/0x64cdf819d3e75ac8ec217b3496d7ce167be42e80#balances. The company has enough funds for the next year or two.

Q: When will the platform be fully functional? When will you onboard partners? Is any new exchange listing in the pipe? Is there any plan for stake IPL? What will be the use cases of IPL?

A: The released product is functional as it enables the basic idea of VouchForMe concept — ask for and receive endorsements in the form of a financial guarantee. The product will further evolve with additional functionalities depending on specific market and/or business partners’ needs. We will announce partnerships when joint projects are ready to be launched, not sooner. Several listing processes are in the pipeline and when finished, we will announce them. Use cases for the IPL token are:
• Payments of the service fee on the platform
• Rewards in IPL tokens for guarantors
• Payment for different services that will be part of the platform
• Development ecosystem payments/remuneration for developing the VFM ecosystem and platform.

Q: After being confirmed several times that before the year-end you will launch the platform WITH an insurance company, apparently this not going to happen. In the podcast you shared a few weeks ago, the co-founder Matt Peterman insisted quite a bit in the importance of communication. However, I have the feeling that this is very much failing in all the communications you have; everything is becoming quite unclear and blurry. I am not going to ask again for insurance companies because I have the feeling that always the same vague response is given, but are you planning to REALLY improve communication?

A: Over the last half of the year, our main focus was to release a product. And we are proud we did it. It is the first version that fully supports the basic VouchForMe concept — vouching in the form of a financial guarantee — available worldwide. We will release further versions of the product which will differ based on partnerships, clients, reward structure and IPL token use. As said many times before, the partnerships will be announced when projects are ready to be launched.

We have agreements with insurance companies, but since we honor their right to keep it confidential, we are not able to publish their name until they permit us to do it. The whole team has been working with large insurance companies for the last 15 years, and we know that publishing partnerships too soon can have negative business consequences.

We believe our communication about product development has been clear and continuous at all times. In the last half a year we have posted 15 blog posts on product and business development with inputs from the entire team, hosted 6 Ask-Me-Anything sessions, led numerous conversations with the community on Telegram, and posted updates on social media channels almost daily. Many new things are coming and we will share those when the time is right.

Q: What will you do in regards to the token holders in case the use of token doesn’t pick up, but the product itself is a success?

A: Our primary goal is to increase our user base and to set up the ecosystem for IPL as a utility token. We see token as the perfect way to connect ecosystem participants. In the next years, our goal is to increase the user base and token is an integral part of our strategy. We have several strategies for token usage but as said it’s too early to forecast how they will develop over the next three years.

Q: What about strategy for 2019 what is plan how many users projections you will have on the platform?

A: In 2019 we plan to achieve between 80K and 120K users.

Q: Where will you launch your pilot projects? In which country or region?

A: The Unlimited version of the product is already available for use at https://pls.vouchforme.co. Projects with business partners will be announced when all legal aspects are settled and signed.

Vouchforme in Improving Insurance article


https://blockchain.wtf/2018/12/industry-impacts/industry-impacts-insurance/

thank you for answers - transparency is the key! 

keep up great progress and development&adoption  in 2019

https://Vouchforme.co

https://i.ibb.co/BwtTs5f/photo-2018-12-24-12-47-28.jpg

Did you see VFM has a completely new website.

Everyone check it out: https://vouchforme.co/

Congratz to designers I like it, looks simple.

happy holidays to team and one success 2019  ;D

Digitalizing trust between friends
VouchForMe harnesses the power of social connections among friends to reduce the costs of insurance services.

test platform - it's really simple to use

https://pls.vouchforme.co/

VouchForMe harnesses the power of social connections among friends to reduce the costs of insurance services. Register and start using https://VouchForMe.co

How it works


Based on a personal risk assessment, a guarantor vouches for a trusted friend by means of a financial guarantee.


The collected amount enables individuals to obtain a higher discount for insurance services, while the guarantor commits to cover for the guaranteed amount in case of a claim.


Vouching creates a positive incentive for the policyholder to act responsibly also in the future.


Through vouching, the entire network becomes more risk aware, encouraging a positive change in behavior.


Benefits

Individuals
leverage the power of friendships to lower insurance costs


Businesses
gain alternative risk assessment tool with higher accuracy and significantly lower costs


Society
becomes more risk aware, encouraging a positive change in behavior


VouchForMe Use Cases

Insurance
Motor and health insurance
– B2B2C –


Rental
Motor and property rental
– B2B2C –


Business Transactions
Risk assessment tool
– B2B2C –


Unlimited
Stand-alone, insurance carrier independent version
– B2C –


https://vouchforme.co/

will there be an android and ios   app of platform?


The app is available at https://pls.vouchforme.co



thanks for answer  vouchforme team

Now we are developing web app. Future developments might be also supporting ios and android app.

i like this social proof idea and i see that platform already implemented it

i hope for big companies to join  so there will be good demand and adoption in future

i really want that this project will succeed first in europe - then worldwide

Fintech Predictions for 2019. Where We Have Been & Where We Are Going

Fintech Predictions for 2019. Where We Have Been & Where We Are Going. Shared risk platforms VouchForMe

https://www.crowdfundinsider.com/2019/01/142878-fintech-predictions-for-2019-where-we-have-been-where-we-are-going/

good article i must say - but still where can i read more about Vouching and social proof concept?

dude check www.vouchforme.co  you got everything there on website  or use google   ;D

congrats for working platform

https://pls.vouchforme.co

will test it today or tommorow

when companies will be onboarded and clients - platform will become alive and adoption will be here  can't wait 2019 2020 will be deff. huge

VouchForMe Use Case #1 — Sharing Car Insurance Deductible with Friends

https://medium.com/vouchforme/vouchforme-use-case-1-sharing-car-insurance-deductible-with-friends-3affa390a817

VouchForMe assisted Peter in the process of inviting friends and family to vouch, created agreements between Peter and the people who were willing to guarantee for him and back him financially. In the case of a claim, VouchForMe will facilitate the process of collection of the amounts the people have vouched for.

In the next post, we will meet Peter’s friend Sarah and see how she uses VouchForMe.

Until then, you can check the VouchForMe and share your existing motor or health insurance at https://pls.vouchforme.co/


can't wait for next post    for use case how to use Vouchforme platform!  Education of us investors is the key to success   hope platform will works fine

Social proof concept will rule the world   step by step  country by country   

He finds out the insurance companies do offer something that might help him lower the premium — deductibles. From an insurance company point of view, a deductible is an instrument for sharing the risk. In practice, a car insurance deductible is the amount of money an insurance client must pay for repairs before insurance covers the rest, in the case of a claim. In Peter’s example, the insurance company he would like to insure the car with offers a 30 % discount on his yearly premium for a 1000 EUR deductible. This would mean that for a 30% discount on the premium Peter will have to pay the first 1000 EUR of damages himself and the insurance company will then pay what is left of the costs to repair the damage.

Option A: The insurance premium without deductible: 1100 EUR/year

Option B: The insurance premium with 1000 EUR deductible: 1100 EUR — 330 EUR (330 = 30% * 1100) = 770 EUR/year

For a total immediate saving of 330 EUR Peter is exposed to 1000 EUR deductibles in the case he has an accident and files a claim. Even though he thinks there is a low probability he will file a claim Peter still feels the risk of having to pay the entire sum alone is too high and that he might struggle to cover the entire amount of the deductible himself in the case of a claim.

In the next post, we will meet Peter’s friend Sarah and see how she uses VouchForMe.

Until then, you can check the VouchForMe and share your existing motor or health insurance at https://pls.vouchforme.co/.

maybe in future add some real cases for healthcare insurances

https://medium.com/vouchforme/first-version-of-the-vouchforme-live-678f1ac89d99

very good that you launch product so i think this idea of social proof will kick in 2019 2020 with adoption and next updates of platform

keep it that way team!  8)

such a big changes in this industry need time  3 - 5 years

so a lot of patience will be needed for a success 

when any news or updates?

will there be any new countries for testing or cases?

Important announcement on Twitter (https://twitter.com/Vouchforme_co/status/1145597937629761536) today!


Euroins has 7% market share in Romania, Europe. Good starting point for VouchForMe.

vouchforme will host a webinar on April 23, leading speaker Aleš Tomažin, on the topic: P2P in action, Solidarity in insurance

https://pbs.twimg.com/media/EVPUckNUUAAs4_p?format=jpg&name=small

We want to list your token on our CoinCasso Exchange 🤖
Could I get a contact of the listing specialist? 🔎