Interview with Joan de Ramón Brunet
summary
EthicHub connects smallholder coffee farmers to institutional capital using smart contracts and stablecoins, claiming Blended Finance 2.0 that splits flows between a stablecoin lending arm and a crowd collateral system that liquidates to cover defaults. Investors target about 8% APR while borrower cooperatives pay roughly 16%, down from usurious rates above 100%. Platform reduces cross border transfer fees to under 1%, reports lending growth from $0.5M in 2021 to $3M in 2022, and is scaling via NGO partnerships.
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