BitMinutes

BitMinutes are prepaid cellphone minutes that are designed to collateralize micro-loans for over 2 billion consumers in 70 countries. Micro-loans are too small, and unprofitable for banks, so consumers pay 80-100% interest rates. BitMinutes'​ ability to support small financial transactions profitably turns any corner retailer into a corner banker in a Trusted Agent Network (TAN), offering micro-loans at 50% discount to current rates. Network marketing effectively expands the TAN network to become a virtual cloud-based financial services provider to under-served communities globally.