> For the complete documentation index, see [llms.txt](https://handora.gitbook.io/whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://handora.gitbook.io/whitepaper/getting-started/quickstart.md).

# Market Problem

#### 1.1 **An Underserved Immigrant Population**

Millions of Latin American immigrants living in the United States, Canada, Europe, and other regions struggle to access basic financial services. Traditional banks require:

* Local credit history
* Proof of income
* Employment documentation
* Local references

For most newcomers, these requirements are impossible to meet in their first months abroad.

#### **1.2 Bureaucracy and Slow Processes**

Conventional credit evaluation is slow and outdated, approvals may take weeks or months, often ending in rejection due to rigid criteria that overlook immigrant realities.

#### **1.3 Abusive Rates and Fragmented Solutions**

Most existing services aimed at immigrants offer:

* High interest rates
* Hidden fees
* Poor user experience
* No integration between credit, payments, and financial tools

#### **1.4 Lack of Accessible Credit**

Without local banking history, immigrants are restricted to:

* High-interest lenders
* Informal loan systems
* Or simply giving up on personal, family, or business projects

Financial exclusion becomes a long-term barrier.


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://handora.gitbook.io/whitepaper/getting-started/quickstart.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.