Panerora is a new blockchain-based payments system designed to provide a long overdue banking system for the people of Africa. The region is criminally underbanked and primed for expansion by blockchain companies. Panerora upholds a strong commitment to the region and its people by building critical infrastructure and operating a fast, secure, and zero-fee alternative to traditional banks in the region. Panerora is an ERC-20 token and utilizes a unique gasless protocol resulting in next to no transaction fees. This gasless protocol also results in the continued reduction of circulating supply, helping the continued health of the currency. Its with this commitment and unique protocol Panerora will help the general public. Panerora plans to build unprecedented amounts of regional branches in many parts of Africa, bringing valuable services to the general public. Data shows that the public will use local bank branches if they are available, yet they arn't. This is due to a multitude of reasons, yet Panerora sidesteps them all by decentralizing the access of payment and banking solutions into the hands of masses, allowing them to be their own virtual banks.