ru

PEER-TO-POOR
Peer-to-peer charity online service. Deliver help through a local ambassador.

Click for discussion

How it works: you wanna make a donation to the people in need. You don’t want to send money to a huge organization because you think that 10 dollars won't make a difference and you’re not sure where exactly this money will go. You wanna see who gets your help and how. Yeah, it might be selfish but it works this way. Imagine that you have a website where you can find a person you can trust that would buy some food or clothes etc on your behalf. You see a photo or video proof afterwards. Satisfaction.

Problem: There are 4 billion people in the world having less than 5$ a day. Half of them make only $2.5. 800 million have less then $1.25.
Numbers are slowly decreasing but the problem is obvious. Top 10% of adults from rich countries hold 85% of the world's total wealth.
Poor people live under a constant pressure to make a living. The world is a connected organism. Poverty leads to lack of education, depression and no professional growth. This is a fertile ground for crime, drugs, epidemy, terrorism etc. This isn’t something happening elsewhere - concerns everyone. It is not only our duty to lend a hand and help others but also the way to keep the world in peace. Money worth a cup of coffee could help one family survive for a few days. But it’s not only about survival, it is about adding a bit of dignity to life.
There are many organizations and individuals helping to fight poverty but it is still not enough. More people should be involved in helping. One of the obstacles is impersonalization. When you send money to big charity organizations you don’t see who receives help and how exactly your money will be spent. And this is not about mistrust. We just want to see the immediate and particular result of our actions.

Solution: Direct help to poor people by hiring a local mediator who will deliver targeted support on your behalf.
The growing number of people in developing countries have access to the internet. Among them there are people that are more educated and willing to improve life around themselves. I made a little experiment after visiting one of those poor countries. I used a website that allows you to hire people around the world for little part-time jobs. I made an inquiry to take money from me, buy some food and give it to the poor. Eight people from different countries took the job and sent me video and photo proof afterwards. Half of them declined reward and thanked me for the opportunity to help. Unfortunately, that website blocked me because they don’t do charity (it also took around 30% commission). That’s how I came up with the idea of a service created specially for that peer-to-peer help.

Below is the detailed but raw description of the website or an app. I share it freely and don’t mind if anyone uses it. It can be a website or a part of bigger system — already existing charity website or part of social network.

WEBSITE

Main Page.
     Upper row:
          Search. Standard searching engine.
          Become ambassador link. A page where a person can register to become an ambassador. A registered user should provide personal information, photo, address, passport, video about himself, some story about himself, links, email. Answers to questions: why I would like to help, whom I’m going to help, where I will help, what would I buy to help them etc.
          Community link. Kind of forum where everyone could create topics.
          Messages link. Correspondence with other users/ambassadors.
          My help link. History of actions made by user.
          In progress link. List of donations that are paid but not done yet.
          Profile/Login/Sign Up link. Profile: Personal info. Name. Photo. Description. Links to social networks. List of donations made. Payment method. Settings.
          Balance link. Showing your current balance: you can add money to your account and keep it. If for some reason ambassador didn't make it, the money returns here.

How does it work. A page with a description of the idea, maybe video+text.
«Recent help» feed on the left. Randomly chosen previews of recently accomplished donations. With photo preview and country flag above. Pictures changing every now and then.
«Choose your ambassador»: Randomly chosen 4 ambassadors with high rating, we can see their profile preview with country, photos, rating and number of deliveries. Each ambassador is an active link leading to this ambassador’s page. Link to open «ambassadors page» by the number of all ambassadors.
«Choose the place»: Four most popular countries (by number of active ambassadors). Each of the four countries is an active link, leading to this country page. Link to all countries by the total number of countries in the system.
Create inquiry link. «On your conditions». Create your specific inquiry and wait till ambassadors offer their help. E.g. you may wish to buy teddy bears or toothbrushes for kids.
«Donate to fund»: Link to subscription page. Link to one time donation page.
     Basement row:
          FAQ.
          Contact Info.
          Legacy.
          Links: fb, inst, tw etc.

All Ambassadors.
Here are the lists of ambassadors that the user can sort by: latest delivery, best rating, new people, most deliveries, type of help: health, school, food, clothes, education etc, randomly generated list, online now etc. We can see their profile preview with country, photos, rating and number of deliveries. Search by name.

Ambassador's Page.
A picture of the ambassador. All personal info. List of deliveries s/he made. Options (ambassador may create different types of actions - buy food, buy clothes, bring water to distant village etc for different price). Reviews of the ambassador from other people. Comments section.

Choose the place Page.
Here is the list of countries. Sorted by the number of ambassadors. When you click on a country, you go to this country page with description of the situation in general, statistics etc. Country page may be divided into regions. Each region has description as well. Below is the list of ambassadors from that country/region that could be sorted as in «Ambassadors page».

Create inquiry.
The user describe specific task, describe conditions etc, choose reward he’d pay to ambassador for execution. Ambassadors can respond to it and deliver inquired help.

Donate to fund.
This one is created for big donators, who don’t have time to search and choose. They put money into a fund. The fund is used by experienced users (eg those who successfully inquired 5 times). An experienced user can take some amount of money from the fund to hire an ambassador with it. After the delivery is done, both the experienced user and the person who donated big sum of money get the report.
One time donation. You transfer the amount of money to the fund.
Subscription. You subscribe for a monthly donation, you can choose the amount.

ADDITIONAL INFO AND IDEAS
Story behind:

TopUp function. Bigger and complex solutions. Works like crowdfunding. Many ambassadors can execute complex projects, like making a water supply for a little village, or installing solar panels etc. This kind of projects can be created by the experienced ambassadors. The users can top them up until the needed amount of money is collected.

System's fee. I guess that there should be some % taken from donator for the needs of the system. There will be some people working on it, plus website hosting etc. I would also save some extra money to help the ambassadors, to reward them with a new mobile phone or a camera for good work.
Ambassador's fee. Each ambassador should get paid for his job. This is an important part of the project because it gives a possibility to make some money for passionate, educated people in poor countries. These people are changing the society around them and it is very important to support them.

FAQ:

How do you know that the ambassador won’t cheat. 1. People usually cheat incognito. Not many scammers are ready to do their scam openly. 2. The amount of routine people have to go through to register as an ambassador must be tiresome for them - they wouldn't pass through it. 3. It's too much to do to imitate help: you have to find people, find bags of food or clothes, make photos, upload them. Too much to do. 4. Don't underestimate the spread of information. I am sure that a scammer will be revealed at some point - someone will write a complaint. Even poor people use the internet. 5. Reputation. Everyone cherishes their reputation. The system should make sure that scammers will be always remembered. 6. Even if people cheat and use money for themselves it isn't too bad. They also have families, they also wanna eat. At least they won't steal or rob. Maybe their lives will change, imitating good deeds also makes kind of pressure on conscience. 7. Donators should always check proof materials and make complaint if they feel fraud. 8. An ambassador should give us data - to whom, where, when, what has been given. Cheques to prove that food has been bought on the same date etc. 9. Very active ambassadors could be checked after 50 (or 20, or 100) donations - we could find local trustee who would meet this person, or spy etc. 10. The last thing. I believe in unconditional trust. People are usually better than we think.
How do you know that the money will be spent on those who are in real need. Local ambassadors usually know much better what their people need. They know someone who is in bad situation in person.
Don’t you think these poor people will never begin to do anything because they can get used to free money. Firstly, I am a big supporter of the idea of basic income. I think people could live much better not thinking about making money to survive. I believe they would do much more in the end. Secondly, it is not their choice to be poor. Usually, these people were born in poor families in poor environment. If we give them a chance to quit the rat race or ease it a bit, people would send their kids to school, would be nicer to them, children wouldn't have to make money from the early age on primitive work etc.