Tuyanto: Student Coin: Empowering Students Through Financial Services

About Student Coin

Student Coin is a payment system, powered by Seratio, delivering automatic discounts for students whilst applying non-financial values to everyday transactions. Every transaction made by the student will get a micro-share in the company with every transaction being a vote. In the future, they want to offer financial services, such as mini-loans, investments schemes and loans to start up your own company.

Student Coin aims to serve the students before, during and after their time at university. As a company they view students as the future of country and being able to get them started in the world one step ahead will make the whole university experience worthwhile. They believe that building strong relationships is a vital activity in the modern world and why do businesses fail to do so with students? At Student Coin the projects are there for students. At the start of university year they will provide the platform for students to learn, experience and grow as an individual and get them prepared for graduation and to continue to support them after graduation.

The heart of Student Coin is “for students, by students”.

Student Coin dAPP

The Student Coin dAPP is being developed for use with both Android and IOS. It will be optimised for use with mobile phones with a web interface also being developed for users who prefer to use a PC. The user interface on both mobile and web versions will be easy to navigate with clear buttons, simplified menus and a neutral colour which will be easy to read in different situations.

The application will open to a home page also known as the “Hub” containing the shortcuts to each part of the app to make sure that the user is able to see the important notifications without having to go looking for them. From the Hub the user will be able to access the main menu which will contain all aspects of the platform, ranging from the features, settings, news, notifications and social feeds.

Student Coin dAPP Features

Financial Profiles

This financial button will allow Student Coin to build a profile based on spending habits, investment styles and general management of money. Although optional, a profile will allow Student Coin users access to micro loans, offers and to more easily manage their finances. The student’s financial profile will analyse their financial behaviour to ensure stability, something that can plague the student long after graduation.

Micro Loans

This button will allow users to quickly and effortlessly receive small amounts of money when they need it, typically around £50, with an upper limit of £250. But these numbers would be subject to change depending on the user’s financial profile data. If they choose not to use the profile then the limit would be £50. If the user has a financial profile and the score is good then this limit would be the full £250. This is the level of money to fulfil short term money needs to get the weekly shop atrain ticket home.

Investment Schemes

The investment schemes would offer users access to a fully managed investment portfolio, allowing them to be involved in investing but without the need to spend several hours a day setting up trades. The nature of the investments would be medium to long term, allowing the user to benefit from long term investments whilst being flexible in the packages they pick; for example Student Coin.