🚴‍♂️MOTO-FI

Your Bike. Your Bank

1️⃣ Problem

• Millions of riders in Southeast Asia & Africa have limited access to bank loans .

• Complex paperwork, high interest rates, and long approval times → expanding financial exclusion.

• Motorcycles are essential for livelihood but rarely accepted as collateral.

2️⃣ Solution — TEM MOTO-FI

• Instant loan approval by scanning the license plate

• Loan disbursed in USDT → stable and fast liquidity

• TEM token backend → data recording, trust, and governance

• Fee discount benefit → Pay loan execution & repayment fees in TEM to get discounts

3️⃣ How It Works

1. Launch TEM MOTO-FI app → Scan license plate

2. AI evaluates motorcycle value & collateral score

3. Loan approved → USDT instantly transferred

4. Repayment:

   • Default fee = USDT

   • Discount if paid in TEM

5. All records stored transparently on blockchain

6. Loan request itself recorded on-chain

7. Mining rewards in TEM distributed for loan requests & repayments

4️⃣ Benefits

• For Riders : Instant cash, simple process, fee discounts with TEM

• For Investors : Real demand-driven finance + token utility model

• For Ecosystem : Strengthened TEM usage → sustainable demand & token growth

5️⃣ Token & Crypto Relation

USDT = Stable medium for loan disbursement & repayment

TEM =

• Pay loan execution & repayment fees with discounts

• Loan requests & repayments trigger mining rewards in TEM

• Data verification & blockchain trust

• DAO governance participation

👉 The more TEM is used, the greater the rider benefits & token demand

6️⃣ Market Opportunity

• Over 200M motorcycle users in Southeast Asia alone

• Collateralized motorcycle loan market worth hundreds of billions of dollars

• TEM MOTO-FI → World’s first blockchain-based Moto-Finance platform

8️⃣ Call to Action

TEM MOTO-FI 👉 Your Bike. Your Bank. 👉 Coming Soon