Like I stated above, Kiva is non-profit, not a payment system, and not blockchain based. The data on pilot is included in the WP (new version just been posted. )

You are entitled to your opinion. What would be good is to listen the grounds why do you think this way.

Everex has 2+ years track record, 4 Ethereum built products, 2000+ user base, successful pilot, bank accelerator testing coming, remtech award, and other goodies in sleeves. 
Some successful ICOs have 3-month old teams, half-baked white papers, with, let's be frank, zero to minimal chances of actually delivering something workable.
why so little faith?

Nice! This reminds me of Kiva a bit.
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Kiva is in general non-profit, and I think they understate their loan default rates. 5% is hardly unlikely in the market they are in.

Guys, I have a great news. Everex successfully closed pre-sale round, collecting around $2.7M in 3 days. Thank you all for your support!
The main round starts July 24th with $15M cap, which includes the presale amount. Please join our Telegram and Slack channels to stay tuned.

Once again a BIG THANK YOU for support. Have a great weekends ya'll

Everex is not even a remittance company. We use remittance and currency exchange as a gateway to get users on board and offer them other financial services.
M-pesa is different from other companies, who form reBittance space and they are close to Everex than rebittance. I usually say that Everex is "M-pesa on smart contract steroids", because Mpesa is rather a payment system than remittance.

If we look at Abra, Coins, Bitspark, Hellobit, and other remittance.

IN SHORT.
1. None of them are on Ethereum blockchain
2. None of them uses smart contracts
3. None of them is transparent (meaning you can see their transactions on blockchain publicly)
4. None of them provides lending services
5. None of them has own stable coin on blockchain
6. None of them solves financial inclusion in regards to building credit scores on blockchain and provide access to capital.

Those guys use bitcoin as rails to move value from one point to another. At the beginning and the end there is still cash. Cash does not create a financial record that helps building credit history. Everex does all of that, which is critical to financial inclusion.

Everex, although not technically a remittance company, was awarded with a REMTECH "Service originality" award in NY last month, so I think we are doing something right.

The difference between EVX and Cryptocash :

Everex offers 2 types of coins.

1. EVX is the Everex ICO token to raise funds, bring return to supporters, and to further develop business and marketing. Funds will be spent on building technology and business infrastructure for cross-border microlending, remittances, p2p payments, and currency exchange, along with licensing blockchain payment technology to financial institutions. EVX is a utility token serving as credit score indicator and reward mechanism, and as well it gives the right to receive up to 20% profits to investors by quarterly buybacks via "reverse ICO".

2. Cryptocash. This is fiat currency smart contracts on blockchain, issued in different currencies. This is fiat pegged stable coin backed by 100% in reserves held with 3rd party cash custodians. This token is not an investment vehicle, as it’s value is always pegged to respective fiat currency (USD, EUR, CNY, etc). Cryptofash is used to transfer money cross-border p2p, in 30 sec without involving banks. As POC, we have one such contract developed, THBEX (Thai Baht, Thailand) with 300,000 THBEX issued and reserved with SCB (Siam Commercial Bank), the cash custodian.

The smart contract address is https://ethplorer.io/address/0xff71cb760666ab06aa73f34995b42dd4b85ea07b
Where you can see all holders and transactions.

(Ethplorer.io is our own blockchain monitor and analytics tool, and trails second after Etherscan by Ethereum traffic).

Absolutely not.

Thanks! We work directly with communities and targeting selected markets (migrant workers, tourists, merchants, SMEs) to use our wallet for remittance or other services.
Expansion thru low fees, viral marketing and EVX reward program.
We are in talks with one Chinese exchange (pretty much done deal) and one US exchange (compliance phase).
Listing planned within 3 weeks after ICO is over.

Thank you. Yes, the tokens bought from the public will go to fund the minimum balances for the wallets for the new users. We will do the "reverse ICO" event, where the particular amount will be offered to buy tokens at specified price. Basically this will be at first come-first serve basis. However, having those events held per quarter will assure a price stability of the EVX, making investors keeping it. 

Thank you! Finally, the words of wisdom in this ICO mardi gras. Can we use it as in quote?

Public crowd sale is scheduled for the late July.
To learn about any prior events and bonuses please register in Slack and Telegram channels.

We had long discussions whether to offer bounty or not. Although I agree it gets good public promo and visibility, however, a number of not so honest (let's put it this way) ICOs used this method and we are concerned not to be labeled among them by trying to hype the "Ponzi" crowdsale.

So at this time, the bounty is not offered. But we are open for suggestions.

Sorry what particular claims? ( BTW, we are not a cryptocurrency project, meaning we don't issue "own" token, except of the one for the ICO.)

I'd also disagree that current solutions are effective. Do you refer to reBittance (Abra, Coins?) Would be interesting to discuss this.

Thank you for your support and push

We really wanted to check the initial feedback from you, guys, to make sure we are moving in the right direction.
From what I can say now, the pre-sale will be open around July 1st, maybe even a few days earlier. We are testing the platform now to make sure no issues are recorded and we are compliant with regulations.

We want to push out as many content and information as possible to have everybody informed.

I'm here to answer any questions at my earliest convenience.

It's rather MPesa on blockchain with decentralized network of issuers governed by Ethereum smart contracts, capable of instant cross-border p2p finance.

Here, I said it  

I believe that we've already proved that we can deliver. We are one of the established Ethereum space development companies with 4 released products, two of them open source.

Our Ethplorer.io is trailing second after Etherscan in terms of offering user friendly ERC20 token monitor and analytic tool. As well, Chainy.link provides Factom like capabilities on Ethereum.

The delivery won't be easy, that's why we need community support not only during crowdsale, but also after it, providing feedback on our products and UX.

We do it one step at a time. Our difference from WeChat and PayPal alike lies in the open cruyptocash system, allowing any financial. service company to issue own fiat currency derivative on blockchain into particular Everex smart contract and operate as their own cash. As well we are not locking users within our wallet. Cryptocash is ERC20 token and can move between any Ethereum compatible wallets. Try to send money from Alipay to PayPal, it's not possible because those systems are locked and centralized.

Cash in/out can be provided by any independent agent at any remote location. However, if local merchant will accept cryptocash as payment the need to cash out will eventually go down. We believe this will stimulate local economies.

Of course users have to verify their identity. We never said this will be anonymous service. KYC compliance is a normal procedure these days.

Will be happy to answer.

>Which country do you operate?

Thailand, Myanmar, Russia for now. Next steps are to open corridors with other ASEAN countries, such as Singapore, Malaysia, Indonesia, Vietnam.

>Where do you provide microfinance and remittance service (or planning in the near future)?
Same countries. In general we don't differentiate markets by services provided. Currently micro lending is offered in Myanmar only, while we are focused on fundraising.

>Do you already has an operational base in one of the developing countries and now you would like to raise capital for further expansion or you just have the model without any operational income?

We have offices in Yangon (Myanmar) and Bangkok at this time. As for the capital, that what this forum discussion is all about. Token Sale.
Let me respectfully point out that other ICO projects not only have no income, but also products, users, and sometimes even a business model. We offer clear business model, 2 years of technical traction with 4 released Ethereum products, and expertise in remittance and lending.

And to prove our confidence in the business model, we will accept our EVX token as collateral for short term loans issued by smart contract.
This will be a new lending experience, when loans are issued by a smart contract directly to the borrower, once collateral tokens are received.

>If you already have filed operation, where can I check your company registration and financial audits?

Please submit this request to contact email address. We are registered in Singapore and Thailand.

On your site, there are only a few of your members actually seems to have connection to emerging markets. Most of them only have extensive experience in finance and software engineering. How do you acquired the necessary experience to operate?

>Are team has Burmese, Filipino, Russian members who came from grass roots experience. We are welcome our community members to join our team and contribute own experience once funding is secured.

Thank you.

Blockchain works as rails to transfer fiat currency payments cross-border for remittance, lending and payments at merchant locations online and offline.
Regulations, although may be different in diff countries, are the same as for regular currency exchange business.