SEMI TOKEN is a cryptocurrency designed for those with low credit scores, low incomes, or who have encountered hardships due to sudden disasters. It is also known as "Chemitoken." SEM TALKEN is conceptualizing projects aimed at simplifying lending methods during loans, reducing interest rates, and increasing limits, aiming to make this the primary model for practical commercialization. Overview: SEM TALKEN is a platform that, in response to economic deterioration and an increase in borrowers, aims to minimize high-interest rates and stringent loan conditions. The ultimate goal of the project is to break away from the existing lending framework and criteria, which rely heavily on the repayment capabilities of high-credit scorers and high-income earners, and provide a more accessible system for low-credit scorers and low-income individuals, along with higher limits, offering them opportunities for life improvement and recovery.