{"id":65893,"date":"2023-07-19T10:53:07","date_gmt":"2023-07-19T10:53:07","guid":{"rendered":"https:\/\/startup.info\/?p=65893"},"modified":"2023-08-14T21:43:39","modified_gmt":"2023-08-14T21:43:39","slug":"zoetransfer","status":"publish","type":"post","link":"https:\/\/www.bonjouridee.com\/en\/zoetransfer\/","title":{"rendered":"Remittances at 0% fees are now real with Zoe Transfer"},"content":{"rendered":"<p class=\"p1\"><span class=\"s1\" style=\"color: #000000;\"><b>  <\/b><\/span><\/p>\n<p><span style=\"color: #000000;\">I am Yves AKRE, defining myself as Humanity servant. I was born and raised in Abidjan, the main city of Cote d\u2019Ivoire in West Africa. I have an Engineering Master in Statistics and Economics. To date, I\u2019m cumulating 10 years of experience as Senior Marketer and Innovation Lead in Africa. I have worked for 2 top international FMCG: respectively as Regional Marketing Manager and Regional Marketing Director. And enriched by these two exciting experiences, I have founded with some Friends Matrix ZOE.<\/span><\/p>\n<p><span style=\"color: #000000;\">At matrix Zoe, we put in place, small to large scale Businesses with direct and measurable impact on people. The profit we generate is also used to improve the conditions of living of communities suffering from social deprivation.<\/span><\/p>\n<p><span style=\"color: #000000;\">Matrix Zoe is thus subdivided into 2 distinct entities:<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">The Humanitarian part, taking care of people in need.<\/span><\/li>\n<li><span style=\"color: #000000;\">The Business part, generating profits for the Humanitarian actions.<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Today our Hero project is Zoe Transfer, an online platform designed to address one of the main Third world challenges: International Money Transfer.<\/span><\/p>\n<p><span style=\"color: #000000;\">As a former expat in many countries in Africa, I have been struggling with the tremendous fees charged to remittances; Indeed, in sub-Saharan Africa, these fees vary between 10% to 15%, while in developing countries it seats below 5%.<\/span><\/p>\n<p><span style=\"color: #000000;\">Eureka, we\u2019ve cracked it.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\" style=\"color: #000000;\"><b>Link to online video<\/b><\/span><\/p>\n<p><span style=\"color: #000000;\">Introducing Zoe-Transfer.com\u00a0<\/span><\/p>\n<div class=\"boombox-responsive-embed \"><iframe loading=\"lazy\" title=\"Zoe Transfer Services\" width=\"1160\" height=\"653\" src=\"https:\/\/www.youtube.com\/embed\/gw3ABUdvOhM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n<p class=\"p1\"><span class=\"s1\" style=\"color: #000000;\"><b>Your products and services\u00a0<\/b><\/span><\/p>\n<p><span style=\"color: #000000;\">Zoe-Transfer.com is an unique E-platform which allows its users to transfer their cash abroad at 0% fees.<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">By providing a uniform and trouble-free way to families allowing them to action their international money transfer at 0% fees.<\/span><\/li>\n<li><span style=\"color: #000000;\">By allowing online merchants to access our platform at a very affordable subscription and get to transfer their money at 0% fees.<\/span><\/li>\n<li><span style=\"color: #000000;\">By creating a new service category taking advantage of our \u201cfirst mover\u201d position.<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Zoe-transfer.com positions itself for rapid growth and gains a strong opportunity to raise entry barriers for possible competition.<\/span><\/p>\n<p><span style=\"color: #000000;\">Zoe-Transfer is an E-platform pioneering the Non-Financial Business penetration into remittance market.<\/span><\/p>\n<p><span style=\"color: #000000;\">In spite of representing only 6% of total Non-Financial Business market, the Remittance digital market shows a very consistent triple digit growth each year. The leaders of the subcategory have delivered more than 200% growth over the last 5 years. There is no doubt that we are tackling our entry from the most affordable and promising door.<\/span><\/p>\n<p><span style=\"color: #000000;\">Truthfully, we found ourselves obsessed about Zoe-Transfer.com not because of the impressive return of investment it may represents; we were rather moved by the benefits it will provide to communities and people. While trying to align on the 5% fees the World Bank recommended for sub-Saharan Africa, we found ourselves being able to offer an unparalleled 0% fees to the entire world\u2026What an exciting journey!<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\" style=\"color: #000000;\"><b>Your success factors\u00a0<\/b><\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Compliance with Inter-National rules and regulations<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Zoe-Transfer is fully compliant with the rules and regulations of any country in the world.<\/span><\/p>\n<p><span style=\"color: #000000;\">(1) Limiting the transferable amount per time per per person<\/span><\/p>\n<p><span style=\"color: #000000;\">(2) Put in place 5 steps of controls<\/span><\/p>\n<p><span style=\"color: #000000;\">are the key process in place to ensure restriction on money Laundering and tax evasions.<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Full Transparency on exchange rates and Prices<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">We have full transparency on our exchange rates and ways of working. Our exchange rates are the best you can get as it retrieves from all central banks of the world (most of the time aligned with the Google exchange rates).\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Automation of our system<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">We have a highly well-crafted algorithm which verify the transactions within the system and connect them to ensure all users get served on time and in full.<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Highly secured Transactions<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Our system does not manage payment but rather outsource the payment management to specialist like Paypal, a very well-known and trusted payment system. All subscriptions and pre-authorization are paid and made through PayPal. In addition all guaranty deposit for our users are made directly in our bank account through the platform that the users himself trust and select.<\/span><\/p>\n<p><span style=\"color: #000000;\">Zoe-Transfer confirm to the users that he has received the payment as soon as this payment is fully received.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\" style=\"color: #000000;\"><b>Your factors differentiating and disruptive compared to the existing\u00a0<\/b><\/span><\/p>\n<p><span style=\"color: #000000;\">\u00a0Key Differentiators &amp; Disruption vs Key competitors (Western Union, Money gram, Currency Fair, Transfer Wise\u2026)<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">No fees charged to peer to peer monthly transfers. ( domestic expenses).<\/span><\/li>\n<li><span style=\"color: #000000;\">No more %fees charged to any merchant or individual, only a 12$ payable subscription to get unlimited access to the platform for one month. ( 12$ is representing a 35% discount vs the amount paid by people around the world to transfer their cash per month)<\/span><\/li>\n<li><span style=\"color: #000000;\">No Tricky conversion rate, you get the official Exchange rate for your currency transfer<\/span><\/li>\n<li><span style=\"color: #000000;\">This is a bank account to bank account money transfer.<\/span><\/li>\n<li><span style=\"color: #000000;\">Accessible and usable from any device (web, android, ios)<\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\" style=\"color: #000000;\"><b>Your business model\u00a0\u00a0<\/b><\/span><\/p>\n<p><span style=\"color: #000000;\">Our business recruit new users and make money through 2 Principles:<\/span><\/p>\n<p><span style=\"color: #000000;\">Principle 1: Zoe-Transfer is free for each user, once per month. We believe This principle should be able to cover any monthly domestic transfer. \u00a0Any additional transactions is covered by Principle 2.<\/span><\/p>\n<p><span style=\"color: #000000;\">Principle 2: Any User trying to send more than once in a month, or more than 1200$ in one shot, will need to purchase a Valid monthly subscription.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\" style=\"color: #000000;\"><b>A few words about your competitors<\/b><\/span><\/p>\n<p><span style=\"color: #000000;\">Our Key Competitors are<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Offline + Online \u2013 Western Union &amp; Money Gram<\/span><\/li>\n<li><span style=\"color: #000000;\">Online \u2013 Transfer Wise \/ Currency Fair<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">All the competitors apply fix and variable %fees to any remittances. These fees depend on the corridors and the mean selected for the transfer. The % fees charged to a transfer varies from 15% to 2%.<\/span><\/p>\n<p><span style=\"color: #000000;\">However, with Zoe-Transfer it is free for your first transfer of the month, and you will need to pay only 12$ to then send as many times as you want within the month.<\/span><\/p>\n<p><span style=\"color: #000000;\">We understand people are sending more than just money to their relative. This is the fruit of their labor, the expression of their love to their Peer that they send. And at Matrix Zoe LTD\u2026 We really can\u2019t charge for Love Transfer\u2026<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>Next Step Expectation<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">The key success Factors for our project are as follows:<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Awareness and trial through Marketing investment support<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Our project needs strong and smart Marketing investment in order to drive high communication pressure and generate trial.<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Credibility and Adoption<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">Our Innovation needs a strong international Brand endorsement, which will enable trust and adoption with our audience.<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Cash flow<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #000000;\">A secured amount of cash flow needs to be made available to ensure one year continued service level (workforce + necessary Bills payment).<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\" style=\"color: #000000;\"><b>Your website\u00a0<\/b><\/span><\/p>\n<p><span style=\"color: #000000;\">www.zoe-transfer.com<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I am Yves AKRE, defining myself as Humanity servant. I was born and raised in Abidjan, the main city of Cote d\u2019Ivoire in West Africa. I have an Engineering Master in Statistics and Economics. To date, I\u2019m cumulating 10 years of experience as Senior Marketer and Innovation Lead in Africa. I have worked for 2&#8230;<\/p>\n","protected":false},"author":4,"featured_media":66038,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1737],"tags":[1902],"class_list":["post-65893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-zoe-transfer-en-2"],"_links":{"self":[{"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/posts\/65893","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/comments?post=65893"}],"version-history":[{"count":1,"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/posts\/65893\/revisions"}],"predecessor-version":[{"id":213161,"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/posts\/65893\/revisions\/213161"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/media\/66038"}],"wp:attachment":[{"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/media?parent=65893"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/categories?post=65893"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bonjouridee.com\/en\/wp-json\/wp\/v2\/tags?post=65893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}