That was a great title. It took some efforts and team participation. I am very grateful and appreciative that we have been able to build such a strong team so quickly.

One of our biggest strengths is our ability to identify an industry problem and response to it very quickly by implementing a viable solution, thereby converting it from a problem to an opportunity. Our ecosystems will continue to expand around that theme.

CryptoMoms was launched in response to serious gender imbalance in our industry, dominated by men by a ratio of 95 : 5. I am sure that ratio has been improving.

DNotesVault was launched in response to the needs to have a trusted, secure, and convenient storage for DNotes stakeholders. We topped it off it unprecedented 100% guarantee with verifiable amount.

Our family of CRISPs have multiple missions including being viable alternatives to address student loan crises, as well as under-funded retirement plans.

The currently launched DCEBrief has the following mission:  

DCEBrief is committed to focus on bringing issues that matter to your attention, utilizing an “Executive Summary” without fluff and filler. When appropriate, we may also include full length articles. Our mission is to keep you informed with timely, objective, accurate, and unbiased information. We will need the cooperation of the mainstream media and the full support of our political leaders and regulators to help promote and not stifle innovation for the better good of mankind.

Good to see you TeeGee. Ken is a very talented writer. We are very fortunate to have his contribution.

Hey, TeeGee,  I finally upgraded my LinkedIn profile. Thanks for your inputs.

Mati, regulatory compliance will not be the concern. It is 100% transparent and there is no fiat currency changing hand at the point of payment or point of sales. Accounting software companies are already taking full advantage of the Blockchain technology to develop the next generation of software. As I mentioned earlier, the biggest challenge is building a trusted global digital for everyone, gaining mass acceptance. DNotes has been going the extra mile to make this happened.

Good to see you grandmama. We certainly missed reading your great posts. A lot has happened over the last few months. We are doing very well at Cryptsy with high volume and larger trades. It does appear that we are gaining quite a few new stakeholders. DCEBrief is doing extremely well. I wish I am a master of speed reading. Getting hard to keep up.

Looking at a few years down the road, the real challenge is not technology, but mass acceptance of a digital currency like DNotes. We are taking that challenge very seriously as reflected in our commitment to build up the vital components of our own ecosystem while doing our part to represent our industry in the best of light. CryptoMoms, DNotes Educational Guide, and our newly launched DCEBrief are significant efforts to help provide the much needed education and exposure to digital currency and the Blockchain technology.
 

Hang in there, Mark. At phase three of our strategic master plan, we intend to launch a company that does not have any traditional book keeping, as we know it today. If you want to be a one of our suppliers you must accept payment in DNotes or a limited number of digital currencies on our list. The same thing is true if you want to buy any of our products on line. This company will not accept credit or debit card. No cash or check either. No direct payment with any fiat currency. But we will accept DNotes multi-currency card issued by our own bank or partner banks as the payment will be in DNotes. Even all the shares of the company, be it private, or publicly traded, will take full advantage of the Blockchain technology, that will be recorded in the public ledger verifiable by anyone anytime. All transactions are decentralized taking full advantage of the Blockchain technology.

So are we there yet? Unfortunately, no, we still have a long way to go. We are at the tail end of phase one. We will be starting phase two at the beginning of 2016. A good amount of our vision will be revealed in our next press release.

It's a little early yet, but perhaps one day we should post a wish list of what an ideal global digital currency exchange should be, if it is only subjected to a universal global set of rules. One registration and a single annual reporting with individual nation providing their guidelines on AML and consumer laws already in books.

21 Inc. has been on my Radar for over a year.  I am sure that they are working on many potential killer apps. I have my doubts if this is one of them.

21 Inc. Unveils Bitcoin-Optimized Business Computer

When is a computer not a computer? While 21 Inc.’s new computer doesn’t have keyboards, monitors, and a massive enclosed hard drive, it may have just taken Bitcoin to the next level with their new 21 Bitcoin Computer.

First Computer with Bitcoin as the Main Component
Ok, what’s so great about this new computer by 21 Inc.? Well, it works through whatever OS you have via USB. As a stand-alone Linux machine or connected to Linux, Mac, or Windows via USB, it is small, but versatile pocket-sized computer.

Most importantly, it is designed to be the first computer that is Bitcoin-optimized with native hardware and software support exclusively for the Bitcoin protocol. This means that business owners and developers can do business at the command line using Bitcoin, not built around PayPal or banking systems as a default.

“The technology is ultimately just a tool. Our long term goal is to return economic power to the individual,” says 21 Inc. CEO Balaji Srinivasan on his Medium post.
He continued:

“Specifically, we want to make it possible for you to turn your bright idea into passive income by selling Bitcoin-payable goods, games, and services over the Internet through a 21 Bitcoin Computer. And we want to use the success of the 21 Bitcoin Computer to help make Bitcoin the next fundamental system resource, available by default on every new computer. That journey of a thousand miles begins with a single step.”

The 21 Bitcoin Computer will do many things for its users such as mining bitcoin from the 21 Command Line instantly and allowing entrepreneurs to open up a digital goods store or iTunes-like music store. It also enables to reward others with bitcoin for posting your content on social media, sell APIs for bitcoin, make hardware rentable in bitcoin, and much more.
 
 
The value in this is creating the first machine-to-machine systems built around Bitcoin’s protocol. Ben Horowitz, a co-founder of Andreessen Horowitz, which helped 21 Inc. raise a record US$116 million in venture capital funding to start 2015, explains one future use scenario to the Wall Street Journal:
“If I could read stuff on the web for a small amount of money, and didn’t have to open myself up for repeated charging or subscriptions I didn’t want? That’s a relatively straightforward application if you have machine-to-machine payments.”

The 21 Computer combines the 21 mining chip and 21 micropayment server with the 21 Command Line interface for one comprehensive Bitcoin-optimized machine. Other standard goodies include a WiFi adapter, USB-to-laptop cable, and 128GB SD card, and an installed copy of the blockchain, allowing you to run it as a full node.

Source:

http://cointelegraph.com/news/115314/21-inc-unveils-bitcoin-optimized-business-computer

I noticed that. I hope they will offer a Note/USD pair in the near future, even though their current method of loading USD wallet is limited to mailing in a cashier check to their Florida location. I will be real excited when they can have a direct link to customer's bank account like what Coinbase offers.

Keep an eye on their Canadian offerings. They might offer that feature in Canada before they have the same in US. That will make regular investing in CRISP significantly more convenient. The ultimate feature is to have our own exchange, bank, and partner banks with automatic payroll and bank account deduction instantly converted into DNotes as a CRISP savings program. A $5 to $20  contributed monthly to a CRISP For Kids account started at a young age could be a sizable nest-egg at retirement age.

Wow! That is an excellent start.

“The Central Bank of Nigeria (CBN) says it has to loosen its regulatory policy on mobile money to accommodate telecommunications companies.”

I wish there were more details, but it is always positive to take notice of any Central Bank, irrespective nations, shifting to a more supportive attitude towards “mobile money”, which I believe the writer was referring to digital currency such as DNotes.

From my prospective, there will come a time, in the future, that digital will be given the same regulatory treatment as money, and characterized as such. Many of the regulatory hurdles confronting our industry today is the result of the lack of understanding of what digital currency, Blockchain technology and its global payment network systems are all about.
 
At DNotes, we have certainly been trying hard to help encourage and educate as many people as we can reach. Specifically, we have been introducing every medium and platform to get the message out, by way of CryptoMoms, DNotes Educational Guide, and our newly launched DCEBrief. They are all Google searchable terms and keywords if you like to learn more about them. Or come and join us and feel free to ask any questions you may have.



Monday 7 September 2015 | 10:24 CET | News

The Central Bank of Nigeria (CBN) says it has to loosen its regulatory policy on mobile money to accommodate telecommunications companies. According to ITPulse, CBN said that telecoms firms can provide the enabling infrastructure for mobile money agents to work effectively, thanks to their broad spread.

The CBN has been wary of licensing telecoms firms, saying it wants to avid a clash between them and banks. The CBN has encouraged telecommunications operators to partner with licensed banks and other financial and non-financial institutions to drive mobile money uptake.

Musa Itokpa Jimoh, Deputy director for the Banking and Payment System Department at CBN, said a review will allow the participation of telecoms companies, giving mobile money a huge boost.

It said mobile money adoption has been very slow in a country that boasts of over 146 million active mobile subscribers. Several surveys have attributed the slow pace to low public awareness. Another challenge had been the low number of agents, as well as inadequate infrastructure.

Source:
http://www.telecompaper.com/news/nigerian-central-bank-to-license-telcos-for-mobile-money--1100957#.Ve3BBX2YeXM.linkedin

Thank you, Mati. we wish you all the very best. I personally feel greatly blessed to have this great chance to work with you all in this potentially massive opportunity for the better good of humanity.

Mati,those are very good points "["a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation]"

The process of change and the associated complexities, especially as it relates to mass global changes in consumer behavior is often under estimated and misunderstood. Cost savings and convenience are not the only governing factors. There are certainly "some culture obstacles" as you pointed out. Retaining some level of "comfort factors" is a prudent thing to do. Most people will be quite surprised to learn that AOL still has over 2 million dial-up subscribers paying an average of $20 per month. Could it help clear up some regulatory hurdles? Quite possible, perhaps some might be more comfortable that there is some physical matter one can see and touch so the word "virtual (currency)" doesn't bother them quite as much.

Quote from: Chase on September 20, 2015, 10:44:52 PM

Did you know that in 1952, tuition at Harvard University was about $ 600 per year.  The current cost for tuition now is around $40,000 and if you factor in room and board, fees, books, and other supplies needed, that figure approaches $60,000 per year!!

Quote from: KristinaHD on Today at 03:13:30 PM

Wow. Amazing what a piece of paper can cost. (No doubt the increase has been helped along by inflation) Check out these statistics:

Source: http://www.statisticbrain.com/student-loan-debt-statistics/

LOOK AT THE DOLLAR AMOUNT OF PROFIT GENERATED BY STUDENT LOANS!!!

Who do you think benefits from profits?? Certainly not the students paying thousands of dollars for education, something every human should have a right to.

If properly planned, we could ease the burden of the cost of education for our kids by opening a CRISP for students account for them. The (future) goal of CRISP for Students, is to get as many DNotes as possible, into the hands of as many people as possible before the currency becomes the pre-eminent digital currency used for global commerce by 2020. This opportunity has potential for significant capital appreciation, and many students might be able to use some of their savings to pay off their student loans and get ahead.

I encourage ALL STUDENTS to take advantage of this program.
https://dnotesvault.com/crisp-for-students.php

Quote From Shepherd Today:

86% of the students only borrowed $28,000. To some, that doesn't sound like much. However, if the new graduate can not even find a job for an extended period of time or have to settle for a low paying job, $28,000 is a huge burden right off the gate. A bad or handicapped start could often be the deciding factor of success or the lack of it.

Mati, I can see that. One can touch, feel, and smell money. We can say the same thing about debit and credit card. It has indeed crossed my mind that to help bridge the "comfort" gap at this nascent phase we could offer a multi-currency card before migrating 100% to smart phone -100% virtual currency. There are no technical limitations to do that, but we can not say the same about regulatory hurdles.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

We have made a lot of progress in multiple fronts. DCEBrief has been doing exceptionally well. It's a lot of hard work though. I want our team to know that I appreciate their contributions very much. DCEBrief has been publishing many great articles and rapidly gaining readership. We trust that it will become a valuable part of our ecosystem.

The price of DNotes has been on a solid uptrend with good volume. We are doing very well on Cryptsy and our press release has been very well received, and being published in many news outlets I have not seen before.

I do not foresee that digital currency will completely replace "national" currency for generations to come. However, I believe that it is entirely possible that within the next twenty years a digital currency likely DNotes could be accepted as the most efficient and convenient medium of exchange. It would then be a significant disadvantage for anyone not to accept it. Business owners will soon learn to use DNotes as a competitive edge not just to attract a new class of customers but in actual cost savings and immediate availability of funds.

I am personally committed to make this happen in my life time. We should be the best friends of any government. DNotes could be the best thing for the new generation of political leadership who are committed to a more transparent and responsible government, not to mention that it will greatly improve the efficiency in the movement or transfer of money and substantial savings that comes along with it.

Hey infovortice, I love the way you express yourself. Now that DNotes is on an uptrend, I trust that you will stay happy for a long time. Sure it was sad for me to see people dumping DNotes at close to 3K Sat. But may be, it now time for them to feel a little sad and our turn to feel happy. Have a good day.

Consumer Electronics? That is a good sign. DNotes is getting increasingly more broad-base coverage. Eventually, it will lead to wide spread acceptance.

So what it such a big deal? .... It's a big deal in our case because DNotes is very strategic and systematic. We designed our strategic plans based on a system approach that requires us to go way beyond our industry so that we are aligned with our ultimate objectives. Those who know us well enough will understand that we do not just talk about big ideas and big solutions. Once we made a commitment, we map out strategic plans and allocate required resources to execute those plans at the most opportune time and as flawlessly as possible. That is a small hint on why we have been able to accomplish so much in such a short period of time with relatively limited resources.

We are indeed just getting started. By the end of this year we can comfortably say that the most important part of our ecosystem is in place with solid foundation. 2016 will be the year of significant expansion with one or more incorporated companies to take over our ecosystem, supported with various rounds of funding. I plan to be sharing some of our vision for 2016 and beyond in the coming weeks. We could be reaching the tipping point soon. It pays to read up on what DNotes is about. This is a unique situation. We are all about being the "Best In Class". We are willing to always go the extra mile and always prepared and willing to do things others will not do, so that one day we can do things others can not do. That is how DNotes will become the trusted global digital currency for everyone to participate.