- Loans - consumer loans, mortgages, car loans, refinancing, microloans
- Bank cards - debit and credit
- MTPL insurance
- Credit history and credit rating calculated based on scoring data
- A crypto-financial market place is scheduled for launch.
The second direction of the company is a CPA network for advertisers and webmasters involved in the promotion of financial services. Advertisers include the largest Russian banks (over 100), including Tinkoff, Alfa-Bank and VTB24.
Features of Unicom24 / OYYS.com that helped to become the market leader:
- own development of all technologies used (tracker, probability of approval, auto ranking)
- ability to adapt to any needs of the client and partner in the moment
- lack of analogues
- working with a huge data set (big data)
- obtaining capacious information about the client, increasing the level and accuracy of scoring and analytics
Unicom24 has become a leader in its sector and achieved the following indicators:
- 1.5 million - the number of visitors per month
- 2 million registered users
- 100 million applications passed through the site in the last 12 months
- 10 billion tokenized activities of users
- 11,000 webmasters and agents in the CPA network
- 121 employees, among which - 85 - developers
- 2,000 support tickets per month
- 12 major releases per year
In the last investment round Unicom24 was valued at 3.5 billion rubles (or $ 50 million).
The field of CPA marketing has long been in need of a revision of its operating model. The fact is that the entire system lacks two important components - openness and trust. If we transfer CPA to performance marketing rails, where a specific confirmed result is at the forefront, then all that will be needed to improve this promising industry is to choose the right tool, with which only one option of cooperation will become possible - an honest deal.
And this tool has already been invented. It’s about blockchain technology. It is for this purpose that the company has been engaged in blockchain technology since 2016. Over the past 4 years, Unicom24 developers have created their own private blockchain, on which all user operations are tokenized.
UNICOM is a distributed platform that combines the performance marketing model and blockchain technology for the first time. The essence of the project is to create a decentralized ecosystem, on the basis of which CPA services will be created, ranging from partner programs to partner networks and related products. UNICOM will bring advertisers, networks and partners together into a single platform.
UNICOM’s mission is to make the distribution of rewards in the online affiliate marketing market more equitable and to set new standards of transparency and efficiency, from which all conscientious market participants will benefit.
Therefore, the FreeTON blockchain attracted the company’s attention back in June. The Unicom24 team closely followed the development of the TON network and is happy to join its active development by implementing own developments, providing access to the user base and an active partner base.
We offer to divide the proposed partnership into 3 parts:
- Adding TON Crystal to Unicom24 Website
The Unicom24 system currently support balances in two currencies: Russian rubles and internal tokens (Unicoins). As a result of the integration, we will add a third currency - TON Crystals.
Each user, partner and webmaster will receive an additional wallet at their disposal, and their number will be measured in hundreds of thousands. This will lead to widespread adoption of TON Crystal among the members of the Unicom / OYYS ecosystem.
- Adding a TON Crystal to the project’s telegram bot
A large percentage of the Unicom24 audience uses the project’s telegram bot, which notifies users about new offers on the Unicom24 financial marketplace. It is designed taking into account the client’s scoring model for the most convenient decision-making on various products.
As well as in the first paragraph, this will enable wide distribution of TON Crystal for participants of the Unicom24 / OYYS.com ecosystem. In addition, this method significantly increases audience loyalty based on our experience and analysis.
In the future, we plan to add a bot in Vietnamese, Korean, as well as Hindi and Swahili.
- Implementation of TON Crystal into the loyalty program
The loyalty program has been developed on our portal. For the fulfillment of its conditions, the user receives a reward in internal tokens (unicoins). In the course of integration of this solution, we will add rewards in TON Crystal, which will run in parallel with the internal tokens. In the future, we plan to add the ability to receive rewards exclusively in TON Crystal.
|Upfront (TONs)||On results (TONs)|
|1. 1||Integration of TON Crystal with Unicom24.com website||40 000||40 000|
|Integration of TON Crystal with Unicom24/OYYS.com telegram bot||30 000||30 000|
|3||Implementation of TON Crystal referral bonuses||10 000||20 000|
|Total||80 000||90 000|
Unicom24 / OYSS.com is actively engaged in marketing and this can be seen by looking at the graph of users growth from year to year. However, at the moment the company covers only the Russian and CIS market.
In this regard, Unicom24 / OYYS.com plans to enter new markets. We believe that the most promising areas are the markets of Asia and Africa, including India, Nigeria, Iran and South Africa. In these countries, the extremely low technological viability of the industry and the technologies of our company will allow us to become leaders there, and the use of blockchain and payments using the FreeTON network will make work in the system seamless for residents of any country.
- We want to popularize TON for our active users. There are 230,000 of them out of 2,000,000. This is the B2C audience that actively uses our project. We will create FREE TON wallets for them on the project and replenish them. After that, the user can use the balance to pay for internal services of the Unicom / OYYS portal.
|Upfront (TONs)||On results (TONs)|
|1. 111||Attracting active users of the Unicom24 project to the FreeTON network users||300,000 to reach the first 75,000||(every 50,000 users / 200,000) total 920,000|
- Next, we plan to actively attract users from new markets. We will achieve this by using our CPA platform. We will create an offer for the Webmaster, who will receive 2 TONs for attracting a new user and will also credit the user with 2 TONs to the balance of his wallet.
|Upfront (TONs)||On results (TONs)|
|2. 111||Attracting new active users to the Free Ton / Unicom / OYYS network||200,000 to reach the first 50,000||(every 50,000 users / 200,000) up to 2,000,000|
TON Crystal will not only become an addition to the Unicom24 / OYYS.com system, but the center of the entire system. The coins can be used in contests that we regularly hold among webmasters and users.
In addition, they can be spent in internal stores, because Unicom24 is not just another CPA network, but a real financial marketplace.
Dozens of goods are already available in the http://shop.unicom24.ru store, including cars and equipment, but we will encourage users to pay in TON Crystal and will create a separate store at shop.oyys.com and exclusive goods and services for payment only exclusively in TON Crystal.
Overview. Developing / For the future
After successful integration and attraction of users, we want to get involved in the development of a full-fledged open source decentralized solution.
The main problem that arises in the interaction of CPA networks and advertisers is the transparency of operations and trust.
Let’s imagine that there are several banks that send money to the CPA network, and it must somehow bring customers to the services of banks. The CPA network turns to webmasters for help to bring users. In the case of an application from a user, the CPA network sends a request to one of the partner banks. In case of refusal, it redirects the request to the next bank and so on until one of the banks gives approval. In this case, all parties to the process will be satisfied.
In the case of an application from a user, the CPA network sends a request to one of the partner banks. In case of refusal, it redirects the request to the next bank. In this case, all parties of the process will be satisfied.
However, in practice, a situation often arises that the CPA network sends applications to all banks at once. In this case, the advantage is given to the bank that will process the application faster. And the rest will simply lose a potential client due to slower processing, unfair competition arises. As a result, all other banks lose money, since they pay for the application, but they have already missed the client. In this case, a conflict of interest arises, since the CPA network earned on orders from all banks at once, and not from one, and the banks lost money.
To eliminate such a situation, we are going to use the FreeTON blockchain so that every bank can track the integrity of the CPA network. Unicom24 has developed its own scoring system in which banks are ranked sequentially for submitting a user’s order. The more likely the user’s application is to approve, the higher the bank is in the list. We want to transfer this system to FreeTON.
In addition to this, new advantages arise in the form of a reduction in the holding period of funds. So, webmasters wait from 3 to 90 days to receive the earned money. In the case of transferring Unicom24 to the blockchain, they will be able to withdraw the money immediately.
To bring this project to life, we need to develop the following parts of the system:
- The core of the system for selling action orders for a specific platform
In this part, the user’s application will be tracked, what actions were carried out with it and how it all ended in the end. All of this will be fully automated using smart contracts. A user-friendly interface will be developed for the user and clients.
- Workchain launch
To process applications, a affiliate blockchain will be created in FreeTON with optimal settings for data integration with Unicom24. This prevents the main network from being overloaded with databases and slowing down its speed.
- Development of a service for collecting and caching data
Creation and storage of a database of all actions inside and outside the Unicom24 / OYYS.com project platform.
- API for collection and caching service
Creation of a convenient project API for collecting information from external sources.
|Upfront (TONs)||On results (TONs)|
|1||The core of the system for selling action orders for a specific platform||135 000||100 000|
|2||Workchain launch||80 000||80 000|
|3||Development of a service for collecting and caching data||50 000||50 000|
|4||API for collection and caching service||50 000||70 000|
|Total||315 000||300 000|
We will create the system that we will transfer to open source.
On its basis, there will be a system open to the TON community, which can be used by any advertising systems, thereby supporting an open economy.