In Finland, the RF reference is formed on the basis of the Finnish reference number.Structure of the RF reference is as follows:RFXX1234561

This centralized escrow model is oftentimes plagued with bad actors, as well as centralized judges and juries settling disputes. EasyShare.Africa improves on this crypto peer-to-peer remittance model by adding a decentralized layer where verified remittance agents can stake SHARE Token – the native crypto of the Easyshare ecosystem - as collateral/insurance to guarantee the agents complete transactions.