Ethereum is an open-source, public, blockchain-based distributed computing platform featuring smart contract (scripting) functionality, which facilitates online contractual agreements. ... Ethereum was proposed in late 2013 by Vitalik Buterin, a cryptocurrency researcher and programmer.

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A new Ethereum based ICO company in the banking space, Everex, is bringing banking services to over 2 billion people who do not have a bank account. Everex gives those people access to a mobile based Everex wallet that essentially serves as a bank account with all of the related services but with no fees for exchanging money. Then people can use the wallet to get micro-loans, and micro financing at rates that are affordable. And it's all backed by actual cryptocurrency.

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