123geovault.app click below. Smartphone app fill in the blank forms. After review the borrowers and lenders are approved. Once approved Lenders review Borrower applications to find the right fit. Lender connect with Borrower via email, facebook, what's app or whatever communication platform they choose. Lender confirms Borrower credibility. Once a connection is made, both parties join the cryptocurrency platform called kraken.com. The crypto platform allows Lenders to purchase $100 to $1000 crypto dollars and transfer them internationally to the Borrower. Borrowers are able to convert the crypto to the currency in their country. Borrowers payback the loan using the kraken platform. Using crypto kraken accounts payments are documented. Lender gives a one to five star ratings as Borrower pays back the loan.