Looking far back into the earliest days of world history allows us to come to the ... The internet makes non-repayment of loans a marvellously simple task for borrowers and ..... regulatory support, and the financial capability to conduct business.
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Whitepaper Written by: Richard Ochieze Managing Director. Ledgermark LTD

Meridian Whitepaper

Contents 1.Three Pillars. The Meridian Ideology – User acquisition – User retention – User experience This is Meridian – Behavioural transactions

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2.Digital Collateral. The new Frontier – Less risk, more loans – Digital collateral. The solution Meridian Loans Platform Functionality

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3.Key Areas of Focus and Strategy Sustained Advertising Strategy – UserBase. Do they know we exist? – Awareness and Meridian. Marrying the two together User Experience – Performing one task, extremely well – Loan application procedure – Balance management – Loan repayments Supply and Demand. Establishing Value – Competition or combination? – Meridian grows in tandem with Bitcoin – Meridian. The fork in the road

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4.Data 24 Credit Rank: Putting Data to Use 25 – The Meridian Blockchain: A verification mechanism 26 5.Favourable World Trends Disintermediation Globalisation

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6.The Future of Digital Assets Ecosystem of Digital Currencies Currency as a Consumer Product

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Meridian: The Goals Sources

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Meridian Whitepaper

Three Pillars. The Meridian Ideology




Meridian Whitepaper

User acquisition

User retention

User experience

Read about our three pillars on pages 03 & 04

The core ideology behind the Meridian project places users at the centre of all of its affairs. It is upon this user-centric foundation that the Meridian services and assets are constructed. This core belief brings to the forefront the most important component of any digital asset – the people that use it. What reason does a person have to adopt the use of one digital currency instead of another? Further to the point, a better question: why should one digital currency compete with another – why aren’t users being presented with options that can be used in combination with each other? This touches upon another key ethos that underpins the Meridian proposal. Questions must be asked of any and all of the ideas that have grown to form the norms that exist in the digital asset market today. No matter how sacred and unchallenged, no idea is above becoming subject to the poking and prodding of those with opposing beliefs. It is in this way that growth can be forced upon the digital asset market to increase the size of the playing field. This document will explore the ideologies that form the foundation of the Meridian project. By reading, digesting and gaining a full understanding of these ideologies – you will have gained a stronger perception of the three pillars upon which the Meridian project stands. User acquisition is the first pillar.

Meridian Whitepaper

User acquisition

An asset is only valuable when there are many who seek to be in regular possession of it for reasons other than price speculation alone. This would suggest the presence of some form of intrinsic value, especially if people are seeking to be in possession of the asset irrespective of its price. In simple terms, without users – value cannot be established. So any development team that adopts the view that profits can be placed ahead of users in terms of importance, is adopting a strategy that is misguided. User-centricity is essential. Which is why our second pillar is User retention.

User retention

For instance a new currency is released, a brief round of funding is concluded – now what? It has long been argued that only thing that a person can do with an altcoin is to sell it for Bitcoin. With Meridian, we seek to provide service. Bringing forth a digital asset is not enough. Users must also be provided with a specific task tha