A true system that gives free money to people outside Europe and USA.
It's called Voluntary Loan because they do not have to repay it but if they do repay it with 50% interest, then they'll be able to take another loan with twice the amount after 6 months has passed from the original loan, only if they were able to repay it in full including the interest within 1 year.
Anyone outside Europe or USA are eligible for the loan, assuming that they are at least 13 year old with one valid ID. There are no other difficult requirements like needing a job, having a high credit score, or having a good socio-economic status. It is literally free and clean money.
However, they don't instantly get money just because they have one valid ID, they have to follow the process. First, they'll need to sign up with their real name on the website and upload their valid ID that matches their real name. After that, they will see a list of steps they need to follow, something like this:
So this 30-minute animated video that they are required to watch are divided into multiple sections:
In the first section, everything about Voluntary Loan will be discussed, including its core system and purpose, plus how everything there is completely free. Then in the Eligibility section, it will show the people who are eligible to take the loan: outside US and EU, one loan per device, maximum of three person per family, and maximum of seven loans per day per city.
For the Upgrades section, we will show the benefits of those who repay the voluntary loan including the 50% interest within 1 year: they'll be able to take another voluntary loan again if 6 months has passed from the original loan, and they'll be able to get 2x more loan than before.
Everyone starts at $250 at first, which they can repay or not. If they don't repay it within one year, then that's okay though they won't be able take another voluntary loan again. Payment is fully voluntary, so there will be no annoying loan collectors who will keep calling them or bothering them. They have the option to be reminded via their phone or email if they want.
Let's say that after 6 months, they repaid the original loan in full, so in case of $250, the full repayment amount would be $375. If they paid $375 and at least 6 months has already passed from the time their loan was first processed, then they can get another voluntary loan worth $500. If they paid $750 after 6 months, then they can get another one again worth $1000. This process repeats until they hit the maximum upper limit of $2000, where they cannot take anymore loan after that.
Just for fun, we will tell the users that the upper limit would be $8000, yet when they have repaid the $2000 with $3000, and want to get another voluntary loan for $4000, then we will say "Sorry for the inconvenience, this amount is still not available for loan in your area." AHAHAHAHAHAHA that way, the greedy ones who think they will run away with $8000 or $4000 will have their hopes and dreams brutally crushed, while we profit from their excessive greed.
Honestly, we're not really expecting to profit from this, our intentions remain pure — people can always choose not to pay their loans and it will be okay because it's a Voluntary Loan after all. Still, we don't like the idea of being taken advantaged and seen as pushovers by the greedy opportunists. One might think that this may affect normal people as well, who are not really trying to be greedy. But if they really watched the video, they must have seen the part where they need to save some money before repaying the loan because some emergency event can happen in their life.
Oh dear reader, I know what you're thinking. You must be thinking that I can get caught by law and sued by some people for pulling this kind of stunt. I'm not that stupid, I always try to understand the law whenever I'm planning to do something fun. As such, I will be adding Terms and Conditions and Privacy Policy to the Voluntary Loan Project website, where the users have to first agree before they can register. Specifically, somewhere in the Terms of Conditions, there will be a statement that says that higher loan amounts can become unavailable anytime without any prior notice.
To be honest, there's extremely little chance that I'll get rekt by the law because of this. After all, this is Voluntary Loan, I am not forcing them to pay nor are they obliged to pay. It's not our fault that they choose to repay the loan, though we are indeed grateful for them that they did their repayment. It can also help other people around the world to get voluntary loan even if they weren't able to get a higher loan for some reason.
In the fourth section of the video, "What's the best way to spend money?", we will tell them the ways they can spend their money that will give the greatest positive impact in their lives in the most efficient and sustainable manner possible. We believe that they should be spent in healthcare, basic necessities, mental health, and passive income investments. If they are having trouble with any part of their lives, then it is best not to spend anything in luxuries and prioritize their well-being. We will end this section by giving them additional resources where they can learn more about wise spending.
For the passive income investments, we will gather the best passive income generators in the internet and present their statistics. We will tell them everything they need to know in order for them to be able to generate atleast 150% return in their money in less than a year, so that they may have the ability to repay the loan and get a higher voluntary loan if they want. We will end this section with additional readings and a link to a spreadsheet showing all the information about passive income stuff.
On the sixth section of the video, "Scam Warnings", we will tell them all the ways they can be scammed from their money and how they can avoid them. Furthermore, we will make them aware of all the ways greedy opportunists can take advantage of this Voluntary Loan Project, such as using it to run an illegal loan business, people taking a portion of their loan money in exchange for registration, and using VPNs, identity theft, and deepfakes to bypass the entire procedure.
Lastly, in the Final Remarks section, we will tell them that we trust them to use their money wisely because this kind of opportunity doesn't happen everyday. We advise them to use at least 25%-50% of the loan money they received for passive income. Then we thank our sponsors and other people who made this project possible. After watching the video, we tell them to click the button to proceed to the next stage where they can answer a quick survey.
On top of the survey, there's a sign saying "This survey is fully optional, you may skip it if you want, though we would appreciate it if you take a minute of your time to answer." The survey given to them will be 5-item multiple-choice quiz about the video to see what they learned. Then they can give feedback about the video and the overall project, say their comments and suggestions. Additionally, they'll have to answer some weird questions, like how willing are you to repay the loan, how impulsive are you, and other stuff. We will use full-range of psychometric techniques to avoid biases in answering the survey.
Then in the verification procedure, they have to take a verification picture of themselves using the camera and the system will check if their picture is the same person as the person in their ID. After that, they will give their payment details so we can deliver the money to them. Then, within a maximum of 1 working day, assuming that they meet the eligibility criteria, then they'll receive half of their loan. Next week, they should receive another half. There will be a countdown timer in their dashboard/profile that shows when they will receive the next half.
I think this entire process should be placed in the registration page instead so those who fail the selfie verification and provided wrong payment details doesn't have to go through a lot of trouble. In the contrary, maybe the id information should not be in the registration page and be placed in this last stage instead, so that they'll have to watch the video even if they will provide wrong details that will cause them to be rejected. In this way, at least, they can learn important things from the video even if they didn't get their loan.
Our total budget for this is $25000000, which aims to deliver $250 loans within 100000 different people from across the world that are not living within EU or US. There's no need to worry about giving them higher loans because everyone will start at $250 and no one can ask for higher loan until 6 months has passed. I believe that $250 is already enough money to pay for basic necessities while having enough money for investments, especially for third-world countries.
I think it might be a good idea to divide their money into 2, so they'll receive $125 in the first week, then another $125 in the second week. This is in consideration for gamblers and other people who will waste all their money after the first few days of receiving it. Thus, they'll have enough time to reflect about their decisions so they'll be able to spend the another half of their loan more wisely, hopefully.
For the successful launch of this project, we will first advertise it in discord servers, reddit, and 4chan to target the intelligent basement dwellers who are hopefully less materialistic and impulsive than the social media people. After a few days or weeks, we'll then post it on various social media networks, including YouTube, Facebook, Twitter, Tumblr, and on other websites, while targeting a specific area of intelligent people.
These will be our main targets, imagine it on a target chart, from the most important to least important target.
As much as possible, we will only aim at the first two main targets while we let those people spread the idea to other targets through word-of-mouth. We will never advertise on gambling, mental health, and addiction spaces to avoid waste of money. Remember, do not forget, that our real target here are smart and capable poor people who are unfortunately born in third-world countries, yet are able to propel themselves to the heavens when given a little financial help.
For those who ever manage to pay everything on time, including the highest loans, they'll be invited to an exclusive group rich in career and financial opportunities, where they can take more voluntary loans starting from $1000, though they'll be kicked from the group if they didn't pay the loan within a year. This group will be something like a millionaires club of the elite, where we would create and plan more projects similar to the voluntary loan project.
"Trust is the foundation of all business."