# Unique Value Proposition

<figure><img src="https://2495795979-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FackEEqkQNcH3APdMsMej%2Fuploads%2FNDZXnGmoDkRB14u6IOAg%2FPAR.community.jpg?alt=media&#x26;token=754542bc-fc81-4497-ae7b-7476ced0c622" alt=""><figcaption></figcaption></figure>

Why build PAR4 and what do we try to solve?

These are:

1. Repetitive forms
2. Cumbersome payments
3. Divulging personal data
4. Lack of incentives
5. Variable interest rate
6. Low LTV Ratio
7. Forced liquidation risk
8. Platform Implosion Risk

Our Solutions include:

1. Streamlined Lending Process
2. Flexible repayment terms
3. Dividends for users with active loans
4. 15% Cashback on loan repayments
5. Low Transaction Fees
6. Instant access to 80% LTV
7. Risk Free Loans

