The blockchain payment infrastructure for the unbanked

Panerora is a blockchain-based payment system that allows a trustworthy transfer and exchange of value in a seamless, secure and cost-effective manner.

The blockchain payment infrastructure for the unbanked

Panerora is a blockchain-based payment system that allows a trustworthy transfer and exchange of value in a seamless, secure and cost-effective manner.

The blockchain payment infrastructure for the unbanked

Panerora is a blockchain-based payment system that allows a trustworthy transfer and exchange of value in a seamless, secure and cost-effective manner.

Putting the power back into the hands of the people

Globally, about 1.7 billion people lack access to basic banking. In developed countries, access to banking sits at about 93%, however, in the developing world, this figure is far below at 63%.

Panerora aims to change this by decentralising this access of payment and banking solutions into the hands of masses, allowing them to be their own virtual banks. It provides a state-of-the-art ERC20 token deployed on the Ethereum blockchain, enabling people to perform peer-to-peer transactions efficiently, securely and at minimal costs.

Putting the power back into the hands of the people

Globally, about 1.7 billion people lack access to basic banking. In developed countries, access to banking sits at about 93%, however, in the developing world, this figure is far below at 63%.

Panerora aims to change this by decentralising this access of payment and banking solutions into the hands of masses, allowing them to be their own virtual banks. It provides a state-of-the-art ERC20 token deployed on the Ethereum blockchain, enabling people to perform peer-to-peer transactions efficiently, securely and at minimal costs.

Putting the power back into the hands of the people

Globally, about 1.7 billion people lack access to basic banking. In developed countries, access to banking sits at about 93%, however, in the developing world, this figure is far below at 63%.

Panerora aims to change this by decentralising this access of payment and banking solutions into the hands of masses, allowing them to be their own virtual banks. It provides a state-of-the-art ERC20 token deployed on the Ethereum blockchain, enabling people to perform peer-to-peer transactions efficiently, securely and at minimal costs.

Banking the unbanked by harnessing the power of blockchain and cryptography

The Panerora project is powered by the Ethereum blockchain network which is a distributed ledger secured by cryptography.

Efficiency

All PNR transactions are seamless and almost instantaneous

Security

Your assets are secured by cryptographically secured encrypted wallets that only you can access

Scalability

Our network is scalable and can process any amount of transactions without any delays

Banking the unbanked by harnessing the power of blockchain and cryptography

The Panerora project is powered by the Ethereum blockchain network which is a distributed ledger secured by cryptography.

Efficiency

All PNR transactions are seamless and almost instantaneous

Security

Your assets are secured by cryptographically secured encrypted wallets that only you can access

Scalability

Our network is scalable and can process any amount of transactions without any delays

Token sale ends in:

Days
Hours
Minutes
Seconds

The Panerora Token Sale

Participate in our token sale to join us in our pursuit of enabling seamless payment solutions for all.
10 billion 10%

90 billion tokens still available

The Panerora Token Sale

Participate in our token sale to join us in our pursuit of enabling seamless payment solutions for all.

Token sale ends in:

Days
Hours
Minutes
Seconds
10 billion 10%

90 billion tokens still available

The Panerora Token Sale

Participate in our token sale to join us in our pursuit of enabling seamless payment solutions for all.

Token sale ends in:

Days
Hours
Minutes
Seconds
10 billion 10%

90 billion tokens still available

Bringing seamless banking to the unbanked

Panerora plans to establish its global headquarters in South Africa, Sandton with regional offices to be established soon after – the first of these will be in Cape Town. Within the next few months, we aim to expand our network to a host of other African countries.

Bringing seamless banking to the unbanked

Panerora plans to establish its global headquarters in South Africa, Sandton with regional offices to be established soon after – the first of these will be in Cape Town. Within the next few months, we aim to expand our network to a host of other African countries.

Bringing seamless banking to the unbanked

Panerora plans to establish its global headquarters in South Africa, Sandton with regional offices to be established soon after – the first of these will be in Cape Town. Within the next few months, we aim to expand our network to a host of other African countries.

The Panerora project resolves major issues faced by the payments industry of today

Traditional remittance is expensive

​With the PNR Coin, Panerora enables fast, inexpensive, cross-border money transfer. All you need is a PNR Wallet to send or receive your digital assets and you can cash it out at our vast network of branches or OTC dealers.

High costs for cryptocurrency conversion

​By establishing a vast network of local branches and OTC connections, Panerora enables seamless conversion of PNR Coins to fiat conversion at nominal costs.

Lack of coverage

Panerora offers a wide network of dealers across the entire Southern African continent. Moreover, it also aims to expand its outreach to all developing countries which will help it remove the issues of banking coverage.

The Panerora project resolves major issues faced by the payments industry of today

Traditional remittance is expensive

​With the PNR Coin, Panerora enables fast, inexpensive, cross-border money transfer. All you need is a PNR Wallet to send or receive your digital assets and you can cash it out at our vast network of branches or OTC dealers.

High costs for cryptocurrency conversion

​By establishing a vast network of local branches and OTC connections, Panerora enables seamless conversion of PNR Coins to fiat conversion at nominal costs.


Lack of coverage

Panerora offers a wide network of dealers across the entire Southern African continent. Moreover, it also aims to expand its outreach to all developing countries which will help it remove the issues of banking coverage.

The payments industry encompasses a number of things ranging from ATM, prepaid, debit, credit, other card-based payment forms, mobile payment formats, etc. Almost anything that you use to transfer money from one point to another involves, or is part of the payment industry.
Fintech is simply shorthand for financial technology. Blockchain is a distributed ledger system – one that allows for information to be distributed without being copied. This is achieved through cryptographic means, leading to the term cryptocurrency. This distributed ledger is made of separate ‘blocks’, recording transactions in a verifiable and permanent way. This chain is typically monitored by a peer-to-peer network.

In the simplest terms, a peer-to-peer transaction is one made electronically by two parties through an intermediary.

Africa is ripe for the innovation brought by blockchain technology as the lack of financial infrastructure has created a vacuum that needs to be filled. Blockchain is perfect for Africa as it is secure, cheap to use, available anywhere, and completely independent from existing financial institutions. Africa’s population has remained unbanked for a number of reasons – lack of trust, lack of locations and infrastructure, operating costs and restrictions for users.
It is a cryptocurrency with a network capable of creating and facilitating an innumerable amount of transactions along with the smart contract/ERC-20 token mechanism. All ERC-20 tokens are part of the Ethereum network.
Regular banks haven’t expanded due to a mix of political corruption and intense lobbying forcing most other options out or into stagnation. Panerora is more than willing to fight into these regions with a commitment to the African people, bringing the service they deserve. Moreover, as Panerora is decentralised, it isn’t necessarily beholden to the same governmental restrictions and enjoys a certain degree of freedom.
It is a digital receptacle allowing the storage, sale, and transfer of a cryptocurrency.

These are present in order to keep the network operational. With Ethereum, the network is kept operational by a pool of ‘miners’, essentially people donating computing power in order to process transactions. These people need to be paid rewards for doing this, else they quit mining altogether, shutting the network down. This gas money is both required for the basic function of the chain, yet so insignificant, the average user would barely notice it. Even so, Panerora does cover some of these fees resulting in a deflation mechanism for PNR.

Fiat is what’s used by most countries globally. It is simply currency backed only by the government that issues it, rather than by any material or other mechanisms like a gold standard.
An ICO (or Initial Coin Offering) is both a fundraising mechanism for projects, as well as a great way for investors to obtain value in return for investment. During the ICO, the coin is only distributed from the team allowing investors to purchase at fixed rates.
Panerora is planning on working with large amounts of capital to fund and increase crypto to fiat OTC conversions. An aggressive expansion plan mixed with a lot of capital will ensure the fulfilment of the teams’ vision.

In a single sentence, it is to become the Western Union/PayPal of blockchain international payments.

The payments industry encompasses a number of things ranging from ATM, prepaid, debit, credit, other card-based payment forms, mobile payment formats, etc. Almost anything that you use to transfer money from one point to another involves, or is part of the payment industry.
Fintech is simply shorthand for financial technology. Blockchain is a distributed ledger system – one that allows for information to be distributed without being copied. This is achieved through cryptographic means, leading to the term cryptocurrency. This distributed ledger is made of separate ‘blocks’, recording transactions in a verifiable and permanent way. This chain is typically monitored by a peer-to-peer network.

In the simplest terms, a peer-to-peer transaction is one made electronically by two parties through an intermediary.

Africa is ripe for the innovation brought by blockchain technology as the lack of financial infrastructure has created a vacuum that needs to be filled. Blockchain is perfect for Africa as it is secure, cheap to use, available anywhere, and completely independent from existing financial institutions. Africa’s population has remained unbanked for a number of reasons – lack of trust, lack of locations and infrastructure, operating costs and restrictions for users.
It is a cryptocurrency with a network capable of creating and facilitating an innumerable amount of transactions along with the smart contract/ERC-20 token mechanism. All ERC-20 tokens are part of the Ethereum network.

Regular banks haven’t expanded due to a mix of political corruption and intense lobbying forcing most other options out or into stagnation. Panerora is more than willing to fight into these regions with a commitment to the African people, bringing the service they deserve. Moreover, as Panerora is decentralised, it isn’t necessarily beholden to the same governmental restrictions and enjoys a certain degree of freedom.

It is a digital receptacle allowing the storage, sale, and transfer of a cryptocurrency.

These are present in order to keep the network operational. With Ethereum, the network is kept operational by a pool of ‘miners’, essentially people donating computing power in order to process transactions. These people need to be paid rewards for doing this, else they quit mining altogether, shutting the network down. This gas money is both required for the basic function of the chain, yet so insignificant, the average user would barely notice it. Even so, Panerora does cover some of these fees resulting in a deflation mechanism for PNR.

Fiat is what’s used by most countries globally. It is simply currency backed only by the government that issues it, rather than by any material or other mechanisms like a gold standard.
An ICO (or Initial Coin Offering) is both a fundraising mechanism for projects, as well as a great way for investors to obtain value in return for investment. During the ICO, the coin is only distributed from the team allowing investors to purchase at fixed rates.
Panerora is planning on working with large amounts of capital to fund and increase crypto to fiat OTC conversions. An aggressive expansion plan mixed with a lot of capital will ensure the fulfilment of the teams’ vision.

In a single sentence, it is to become the Western Union/PayPal of blockchain international payments.