I.   Proyection of Users

-   Banking
The access to financial services, have converted into one of the main goals of multilateral organizations as the World Bank, supporting the idea that the banking is the key to fight poverty and promote prosperity. In the report Global Findex 2014 it is evidenced an increase of the banking percentage of adults (older than 15 years of age).

The banking rate has been increased 8 points in three years, representing almost 3 points of growth per year. The rate on 2014 was located in 62%, representing almost 3 thousand millions of persons, nevertheless there are still 2 thousand millions of personas (approximately) that do not have access to a bank account.
If we take the trend of growth observed in this period, and we project the year 2017, Latin America would have a banking near 60%, the Middle East and Asia 35%, Pacific Asia 70%, Europe 80% and North America  reaching the goal of 100%.

-   Use of Cards as a payment method.
Despite the advances that have been reached in the banking of the population, the use of the instruments offered by the banking to make and receive payments is much less. According to the data from the world bank  (2014), only 28.34% of the transactions were performed with cards (debit and credit). The countries with use superior to 90% are: United Kingdom, Sweden, Norway, Holland, France and Denmark.
In Latin America, by 2015, the number of de transactions performed with cards are 16 thousand millions (78% in relation to other  payment methods). It is estimated that the rate of growth have accelerated in the last years, and from 2014 the average annual growth is of 8%. Regarding the amount under transaction, this represents only 5%, with average annual growth of 5%, according to the report of Tecnocom (2016). On the other hand, in Singapur the 61% of the operations of consumption are made with cards or online resources, the greatest of the world.

Considering the above, it is evidenced that the cash still has great presence in the basic payment transactions. The 85% of the commercial transactions in the world are made in cash. In the regions of Latin America, Africa, East Europe and zones of the Asia Pacific, represent more than the 90% of the payments. Certainly, the cash will always be a payment method needed in every economy, but to lower its participation it is a great challenge for the modern world.

-   E-commerce

The use of the electronic commerce at world level has increased since 2014. For the year 2017, it is estimated that around the 22% of the world population has made electronic purchases at least once and half of this subgroup makes transactions with intelligent phones. The countries with a greatest percentage of population making use of this payment form are: United Kingdom, South Korea, Germany, Japan and United States. The rate of growth of users oscillates between 60% and 150% per year, according to the report of Hootsuite (Digital In 2017 Global Overview). Regarding the amounts under transaction, the UNCTAD affirms that in 2015 this payment method made transactions for
25 billions of dollars.

In order to perform this type of transactions it is essential the access to internet and/or the use of Smartphone, since most of the payment forms are made through applications.


-   Estimation of Potencial Users
The potential users of the application to be developed in this project might be defined on 50% of the world population, because this group has access to internet and have Smartphone; from those, 44% will be familiar with electronic payments, considering that 22% of the world population has used this media. Now, based on the rates of growth of the payment methods analyzed, it is estimated that for this project, the growth of the users is located around 60% per year, similar to the lowest scenario of the electronic payment method.


II.   Advertising Income
One of the proposals of this project has to do with the scheme of  distribution of the income from the sale of advertising, based on a
“win-win”, where all the representatives from each segment of the market obtain benefits from the sale of advertisings.
The catcher of the advertisement obtains the 55% of the sale, the rest (45%) is distributed between the different representatives of localities.

Regardign the income from advertising, it is estimated that during the first year of operativity of the application it is achieved a percentage of the  advertisers that on 2017 have the main applications of the world (near
2 million advertisers per month). In relatio to cost, it has been taken a portion of the minimum charged by day the main social networks and applications (1 $).

According to such premises, were prepared scenarios to estimate the income from advertisement and their distribution. Three scenarios have been established: under (1%), middle (2%) and high (5%), in relation to the market quota with the one it is estimated to start.


The representatives of the communities might obtain annual income for the sale of advertisement between $11.000 and $280.000, according to the scenarios stated and the scheme of distribution of benefits applied. 

Such estimations correspond to the first year of operation. For the following, it is established an annual rate of growth near 100% (the tow following periods); then, stable rates of growth 50%.


III.   Cost of financial transactions

The majority of the payment methods charge commissions for the transactions performed, in some cases it is applied a percentage of the amount under transaction, others establish a fixed rate, but also exist those that charge both modalities in the same operation. In that sense, the competence between the different payment methods is in relation to the cost of such commissions.


In the electronic commerce, the commissions often result higher, for the need to have a “runway of payments”, the maximum rate is of 3.4% over the value of the transaction (PayPal). The most economic payment method might be the credit cards. The cryptocurrencies have achieved to gain terrain as payment method for the low cost of their commissions (at times without cost), not associated to the amount of the transaction, but there are still no well defined policies; nevertheless, present an important disadvantage regarding the time of execution of the transaction, that could last up to 10 minutes under execution, being this an important limitation for business with high levels of transactionality.
The project presented proposes a cost of commission highly  competitive, oscillating between 0.1% and 0.8%, depending of the economic sector and the flow of transactions of each seller. This proposal is highly competitive, if we compare it with electronic payment methods, of cards and/or cryptocurrencies. In this last one it is more  evident, since it is common to find cases where the payment of the commission is similar to the sales being performed (cost of article 30$ and cost of commission 20$), generating losses for the seller.



Banking Vs. mobile Internet

The figures of banking at global level, demonstrating that still a great percentage of the population are excluded from the banking system, either for costs or accessibility.

 
Distribution of the Global audience/ Asia-Pacific and Europe are the regions with greatest online audience
This proven situation with the number of average users of mobile phone, demonstrates that any solution of exchange of goods and services based on mobile applications, permits to permeate with greater ease to the layers of greater global segregation, of the same way, will make more accessible the acquisition of goods and global services to all and each one of the members of the network, with international offers of goods and services.

In the long road of years that we have undertaken in the world of blockchain and cryptocurrencies, we have found a recurring theme, which apparently is a vice that comes from something older than the original idea of these projects.

In many societies, the state, pretended to make us believe that citizens were and are unable to protect their interests, and this incapacity could only be covered by superior beings, called in ancient times wise, touched by the grace of the gods, in the Currently, these are social protection institutions, which, for example, protect the worker from himself, keeping and controlling social benefits, since if they receive it, they will not be able to manage it.

In closer cases, there is traditional banking, where not long ago, a specific surname was required, or the membership of a defined club, which would allow the foundation of a bank, taken to extremes in the form of banking associations and other, where they come to demand the incorporation of people with "trajectory" within the work team, because otherwise, there could be a disaster, since more nobody knows about that topic.

All these aberrations of the financial system, were those that the cryptocurrencies in their fundamental objective, wanted to abolish, to remove from the control of few the control of the personal finances of each and every one of us.

So much so, that as a fable or reality its founder disappears from the map once the birth of this new technology is consolidated.

But the customs of the past, seem to have remained, today, for each new venture is necessary to have a group of "experts" in the field. A group of self-anointed advisors in super beings, who for the few who have not tried to innovate in this area, will see that the cost is not low, at least we are talking about 5% of the company that will be in the hands of these people, which do not work for contribution to the technology, if not, they have a price, that if you do not cover it, it happens that the market will not accept you.
the projects are evaluated by the associated work team, it does not seem bad, but how many Ponzi schemes have been made in front of these supposed advisors, or those advisors did not share a cubicle with which today they talk about a speculative bubble, they are experts who are in favor, not against?

The market requires new methods of evaluation, more individual responsibility in the evaluation of projects and ICOs, we can not expect everything to be chewed and protected by a superior being to be held responsible for, we must be able to evaluate and assume our risks.

This new era requires us not to change the old actors for new ones that do the same game, and create the same club to which very few will be invited, unless they pay the membership, we can not just change one for another, we must change the scheme and assume total control of our decisions based on our evaluation, and not the evaluation of a third party, which sometimes does not even evaluate, only charges for it.

En el largo camino que hemos emprendido en el mundo de las blockchain y las criptomonedas, nos hemos encontrado con un tema recurrente, que al parecer es un vicio que proviene de algo más antiguo que la idea original de estos proyectos.

En muchas sociedades, el estado, pretendía hacernos creer que los ciudadanos eran y son incapaces de proteger sus intereses, y dicha incapacidad solo podía ser cubierta por unos seres superiores, llamados en la antigüedad sabios, tocados por la gracia de los dioses, en la actualidad son esas instituciones de protección social, que por ejemplo, protegen al trabajador de sí mismo, guardando y controlando las prestaciones sociales, ya que si estos la reciben, no podrán manejarla.

En casos más cercanos, está la banca tradicional, donde hasta no hace mucho, era requerido un apellido especifico, o la membresía de un club definido, lo que permitiría la fundación de un banco, llevado a los extremos en forma de asociaciones bancarias y demás, donde llegan a exigir la incorporación de gente con "trayectoria" dentro del equipo de trabajo, porque si no, podría haber un desastre, ya que más nadie sabe de ese tema.

Todas estas aberraciones del sistema financiero, fueron las que las criptomonedas en su objetivo fundamental, quisieron abolir, sacar del control de pocos el control de las finanzas personales de todos y cada uno de nosotros.

Tanto es así, que como fabula o realidad su fundador desaparece del mapa una vez se consolida el nacimiento de esta nueva tecnología.

Pero las costumbres del pasado, parecen haberse quedado, hoy en día, para cada nuevo emprendimiento es necesario contar con un grupo de "expertos" en la materia. Un grupo de asesores auto ungidos en súper seres, que para los pocos que no han tratado de innovar en esta área, verán que el costo no es bajo, al menos hablamos de un 5% de la empresa que estará en manos de estas personas, las cuales no trabajan por aporte a la tecnología, si no, que tienen un precio, que si no lo cubres, sucede que el mercado no te aceptara.
los proyectos se evalúan por el equipo de trabajo asociado, no me parece mal, pero cuantos esquemas Ponzi han realizado en frente de estos supuestos asesores, o esos asesores no compartían cubículo con los que hoy hablan de una burbuja especulativa, son expertos los que están a favor, no en contra?

El mercado requiere de nuevos métodos de evaluación, más responsabilidad individual en la evaluación de proyectos e ICOs, no podemos esperar que todo se nos dé masticado y protegido por un ser superior al cual responsabilizar, debemos poder evaluar y asumir nuestros riesgos.

Esta nueva era requiere de nosotros que no cambiemos los antiguos actores por unos nuevos que hagan el mismo juego, y creen el mismo club al cual muy pocos serán invitados, a menos que paguen la membresía, no podemos solo cambiar unos por otros, debemos cambiar el esquema y asumir el control total de nuestras decisiones en función de nuestra evaluación, y no de la evaluación de un tercero, que en ocasiones ni siquiera evalúa, solo cobra por ello.

Our platform is based in 4 levels:

Level 0:

Blockchain: is the base for the exchange of tokens operates under the ethereum network as an ERC20 contract. It is our way of exchange with other currencies among peer-to-peer decentralized users.

Level 1:

Switch: the switch comprises systems of database and logic of the business as an app server. Handles and centralizes the MBYZ accounts of the users, handles payments, loans and controls the auditing.

Level 2:

This level comprises the backend for web and api applications as well as for the POS. The Backend constitutes an API that will be based in REST. The API is in charge of making the interface with the different clients at the web and mobile apps. The API will be public and documented so that other developers could implement functionalities of payment in their platforms.  There will exist another backend in charge of making interface with the points of sale (POS).

The backend also includes the aspects of authentication, authorization, audit and invoicing. Additionally it is the responsibility of the logics of the coupons and announcements. 

Level 3:

These are the different clients as apps in Android and IOS. There will also be considered systems developed by third parties using our API or buttons of payment.

Subsystems

Switch

The switch is the system in charge of taking all the accounts of the users.  It performs operations at low level. The complexity of these transactions is masked with amicable interfaces in the frontend. Some of the possible  transactions performed by the switch are:

•   Transfer among users: internally the transfers among users are  instantaneous. This type of operation is the one needed to then establish tools of payment and point of sale.
•   Withdrawals/Deposits from the blockchain: Permits to withdraw the internal account to a portfolio in the blockchain or in the contrary to deposit from the blockchain.
•   Transfers with hold: it is a type of special transfer where the payer and receiver agree on a scheme of progressive or total liberation of the funds.
•   Validated Transfers: these are transfers where both parties choose one validator. The validator through an API decides at its discretion when to release the funds or if on the contrary those must be returned to the payer reintegrating them to the payer. This type of transaction is fully configurable permitting limit times, amounts and forms of disbursement/reimbursement and including the possibility that on agreement both parties can select an off number of validators to develop complex models of validation.
•   Periodical Transactions
•   Automatic Collection

Backend

As previously described the backend is a series of programs that control all the logic of the business different than the financial and make interface with other subsystems.   

Security
This subsystem is in charge if the authentication of the users, restrict or authorize the use of resources and transactions; and to take different auditable traces of all the processes. Additionally will have systems de prevention of fraud and proactive alerts.

Promotions

This system comprises all the logic of promotions of the platform. It permits to third parties to develop promotion campaigns to show in the APP and in the web. Such as coupons, geo localized advertising, among others. The users could segment with different demographic parameters such as age, sex, socioeconomic indicators and interests always taking into account the privacy from the users.

 
Users

The system stores all the information of the users, their characteristics and movements in the system. Through technologies of big data maintain anonymous data of each one to be used in promotions.

Transactions

This system makes interface with the switch to do transactions of exchange between users providers and recipients.

Invoicing

Comprises all the invoicing of promotions, commissions for use of advanced characteristics and other forms of income of the platform.

Exchange

This unit is the responsible of exchange operations of tokens for other cryptocurrencies or fiat using the API of the different exchanges available.   Decentralized Anonymous Exchanges could be used to exchange tokens for other cryptocurrencies.

Reports

Through Business Intelligence (BI) systems and analysis of big data, offers detailed reports of all the operation.

Backend POS

This backend is an interface between the points of sale and the switch.

Frontend

Web App

It is a whole site with the basic and advanced functionalities of the platform. It Permits the user to register, make operations, review his record, among others.

IOS/Android App

An application that permits the user similar functionalities to the web app but from his Smartphone. There will exist two versions, one for general users  and the other one specialized for the point of sale. The version of points of sales will have advanced security options and their interface will be similar to the one of a cash register.   

Payment Button

It is a software very compact to be incorporated in the web pages and to be used to capture payments on MBYZ.

API for third parties

This permits a developer to add the facilities of capture of payments for his own programs: web, services running in the cloud, mobile apps or desk applications. 

How much must be paid by a user for the application?
o   Nothing, the application is completely free.
The same application will permit payment and collection?
o   Definitively yes, the idea is that the same application permits deliveries and reception of values.
I must be certified to download the application?
o   No, the application is of common use.
What is the purpose of the certification?
o   To affiliate, identify and assess businesses and persons, within the zone of influence assigned in the certification.
The certification has any cost?
o   The cost is very low, the most important is that the objectives of the course must be approved.
Which is the economic benefit that I will receive for the course, since I have to pay for it?
o   You will receive the major percentage distributable of the amount paid for the business of your area to be published and an additional percentage for the global advertising affecting the users of your zone of exclusivity.
Which benefits have the users of the application?
o   They pay less expenses for operation that a common baking operation, since in this case there is no financial intermediation, its use is international, the reception and delivery is instantaneous. Besides all the above, the process of local regulation that could affect it, is outside and remains as a private operation among people.
And the businesses?
o   Just like the users, the costs are definitively minor and the possibility to receive new clients increases, this with the act that having gone out of the depreciable and inflationary system, the adjustment of prices and the loss for sale is impossible.
Which benefits receive the participants of any type of support to the startup of this?
o   In foreground are the pre-selected to be certified in the different levels of education and pass directly to form part of the Beta equipment to try the application. Additionally receive direct discount in the costs of certification.
What type of virtual currencies is handled in the application?
o   Indirectly all, once those pass through the conversion of the “exchanges”, the idea is that the application makes the conversion of any real currency to a value for defect that is common to both parties in the commercialization so that it oculd be evaluated the cost-benefit.
Can I make transactions with the traditional banking?
o   No, our objective is to duplicate and include the traditional banking in the solution, in fact, the decrease of costs and time is in the non use of its platform.
How do I obtain the virtual currencies?
o   During the Pre ICO and in the ICO directly with the app and then through the exchanges in their regular form.
Can I integrate the application with my web page to make  Ecommerce?
o   Yes, the WEB version of the application could be integrated into any web page, so that it is possible to collect for the goods and service•   s offered.
Why a business will use the application?
o   For the same reason that it accepts Visa or Master, they must be open to all the payment forms by nature. Also, that the cost for operation will be even less and will permit the commercialization and to get new clients.
Why is there payment for advertising in the application?
o   For  the same reason that millions are paid for having presence on a concert of 5000 people. It is more effective the advertising in media where you know and identify your objective public and for a low cost.
Which is the average cost of the advertising?
o   This will be determined by the need of each client but as an average it must not exceed the standards for advertising on social network and similar.

Background

The basic concept of money is commonly known and same as we know has happened from the simple exchange, documented at least from the Neolithic up to this date, where goods and services are exchanged. Today the concept of money is wider and deep, and the best closeness to a definition of it mother concept, is a social agreement accepted by the communities of individuals for the self-regulation of its market. What in other words results in a document value of general acceptance for the commerce. That said, as it is understandable, there could not be regulated the commercial relations for the simple generalized participation. There enter the State institutions so by representation they regulate its use and y valor, as well as the relation with other communities or states. At the beginning such relations were regulated by the communities that nowadays are states, and gave exchangeable value to their assets with other communities and defined the intrinsic value with assets coming from different communities. The current  concept of money or exchange money comes related to the value of work and the contribution to the individual to the society and its retribution for its effort, what seems complex is so basic as the concept of the salary, that might be understood, as the portion of the asset received in exchange of the work to obtain it, in common terms this results very simple but in practice the individual could not survive only with the portion of the asset worked, must be exchanged for other assets. This is why an intrinsic value is especially important in the social development.

The general deficiency

This control of the entities of the State, through its leaders, puts under risk all the individual economies, because they come from a fundamental principle that is the trust in the leaders, when they nowadays do not profit from the popularity needed so that such trust is superior to the same risk of its control.
This deficiency has been already overcome since 2009 with the creation of virtual or cryptocurrencies, that escape from the government control and permit to reduce the risk. Much before this, already the traditional banking had used the electronic transactions as a support for the services rendered.
Notwithstanding the above, the money as such until what is known up to now, is still under the control of supra social organizations that do not comply exclusively with the needs of the beneficiaries, but with a very high cost for the users, affect the communities, with inflation, regulation and devaluation on one side, and complex technical requirements in the other hand.
The current solution since a decade ago is an intelligent and practical alternative to avoid the real loss of the purchase power of the people, but even now it is not established in the social basis to be multiplied and spread so that it turns into a solution more than theoretical, practice that has been performed since decades ago, today it is needed to permeate the knowledge to all the layers of the commerce so that the public in general, do not require a knowledge higher to the value of its contribution to the society to use it.


Problem

The creation of the Crypto currencies, as a practical solution to the distortions of the financial system, is not accessible to the common and current users, because it requires a deep knowledge either in the financial area or in information technology, reducing substantially their capacity of generalization, without which it is technically impossible their reevaluation and increase of benefits.
The current technologies for the participation in the market of cryptoassets is still far from the regular users of their local currencies, creating an enormous gap between that seem two worlds of financial knowledge, when the plan of generalization proposed sometimes looks far from the public in general.
The main reason in the delay of adoption of these technologies remains in their cost. It is impossible for a businessman to assume the so high cost of transaction that in some cases could reach up to twenty American dollars ($20.00). This without thinking about the purchaser that under no circumstances will assume such cost. To the above it could be added the true event that the transactions in the current applications and under the known standards know up to now in the best case could last up to 10 minutes, so that the operation in the daily life is outdated.

Extended Difficulty

The widespread emotion within the knowledgeable for the creation of the cryptocurrencies is really worthy of support, since it might be together with the associated technology of the “BlockChain”, one of the great advances of the decade. It can only be shadowed if it does not come from the current situation, where the sole knowledgeable of the product, just to give it a name, are the specialized technicians within the special areas, the technocrats of the systems of information and the knowledgeable of the stock financial market, because up to now, as a theoretical achievement it is very interesting but has not reached the common user since it does not have the technical preparation to do it. The speculative market, is already at work, idealizing at this time the uses and possible applications associated to this technology but nothing much has been achieved more through the same creation. Since there has not been a serious plan of globalization, there are requirements to be able to achieve that this is feasible and it is there that we must focus in the future.
Our solution is based on that to solve and to soften a costly space of time, to soften the gap of time, cost and utility that does not exist nowadays.

Our proposal

The simplest vision is to create a community of users and diffusers of the knowledge in the area, with the support of the technological applications for the trustful exchange of goods and services.
The reduction of costs is the key factor in the exchange operation. Today the banks through their physical, virtual and electronic tools involve a direct cost to the user of over 2%, together with the requisites of membership and limitations in the rendering of the service that only the consumption of time could cost hours of work at an undetermined cost.
Beyond the key factor in that sense that is the Banking, continue being world a limiting factor, the fact of the cost of the operations within the financial system, where the biggest concern is that such costs are not for an enlargement of the economic spectrum, being an inherent expense to the operation, not a generator of aggregated value, eroding one way or the other the same market, generating those small distortions that in time result on inflationary factors. What on the strict sense of the business, the  bank commission for operation, does not add value to the exchange of goods, it only increase its cost, since even the responsibility and control of the operation, is unrelated to the bank, and this attributes if exclusively to the users involved, therefore the security factor tends to zero.
The general idea is to create applications to permit the effective exchange of goods and services, without adding costs for the financial speculation.

Details of our Proposal

Our base concept is the globalization of the use of cryptocurrencies. It is important to clarify that we are not talking about a specific currency, as has been happening from the start of the human existence, everyone obtains, purchases and sells goods for their liking and benefit, but it is necessary a plan of equivalences generalized and a common solution that permits according to the generalized acceptance to perform operations of acceptable value for the parties involved.
Within our proposal it is established a center of operations in our application that will permit people to perform reliable operations without more limitation than the attempt to perform the commercial operation. They could use the currency that had previously decided to obtain and it adapts to any figure of modern commerce, via E-commerce or transactions alive for goods or services.
Up to now to convert the cryptocurrencies, excepting those counted exceptions to the banking system must have first passed to the traditional banking system, and then make a commercial operation with the complications denoting such activity, such as the waiting times, loss in commissions, or fees as well as regulations for the international trade, that go far away from the own requirements from the users.
A classic example of one of the current defects of the system that are desired to be corrected is for example the purchase and sale of the goods of high value, as housing and vehicles where the buyer and the seller want to protect their good and guarantee the exchange of property. The traditional banking does not have an option to “Hold” that permits to validate to the parties that the operation has been made effective, with the added issue that the conversion of cryptocurrency to banking money has a very high cost  that any of the parties want to assume, in the same way the globalization of the current currencies, require a previous conversion generic money for its effective use, which implies another implicit commission and the loss of the benefit perhaps obtained by the  maintenance of the position of the on a currency, this is why our Token of equivalence has been created, open to receive any  cryptocurrency, and to give a value for both parties from their current wallet (Wallet).
Our solution turns to be a non financial intermediary to be in charge of the commercial relations, where users and businessman go to safeguard their patrimony.
Specific solution

Our offer is based in the creation on a record time of a solution type APP for all types of devices where P2P users can interact exchanging goods and services using the Cryptocurrencies that they have or acquire for that purpose.
This seems to be the objective of all the current applications up to now bur out differentiating factor is the specific orientation. We do not pretend to develop a new tool to purchase and sell cryptocurrencies. Like those, there are already millions; we do not pretend to be an application marketing products and much less a social support network for the cryptographic knowledge. We are not oriented to being a tool of direct commerce, with all its benefits and possibilities that nowadays is being performed by the financial entities. If, to become a financial intermediary, there exist the “Wallets” with their regulations and products, for us the final objective is to serve a substitute tool of low cost for the direct commerce, even substituting the traditional cards of debit and credit, that always demonstrate that nothing if for free in this world, at least it costs time to get them, without saying that each time we use them, those receive a  percentage of the operation, but the most intriguing is that those are sold to us as if it was a favor. This is not our case, we want to globalize the banking users or not banking users to allow them to use the resources invested.
For this, we will give technological security support to help in the BlockChain technology and the issue of the Tokens, that does not permit us to make equivalences in our platform to unify criteria between users.
The Marketing will be direct between users, permitting people to contract advertising in the non invasive platform, within the plan of incentives and discounts for loyalty to commerce and users. Additionally the application can be integrated in other networks for the development of the electronic commerce with exchange of the token.
What do we want to say with this? It is simple, we are, as the cryptocurrency, a product of the collaboration of the community influenced by the use, for that we have a training plan with educational videos and preparation on line or in situ depending of the requirements to create a great network of users prepared to commercialize on their account the benefits of the network. We always give the same example, Coca Cola pays a lot of money for an advertisement on a stadium, where it will be visible for 25,000 persons that is the capacity of the stadium, including those not consuming the product or those who prefer the competence, but in our application, with the proper preparation, any user can be certified so that he/she could sell services in their community, as specific advertisement, permitting for example, the Pizzeria of their sector of residence to make direct advertising to users of the “target” of their interest, or the hairdressing that could inform the users if their sector that there is a new product or a special discount. This makes the tool not only an application for users but a business media for all users.


In our solution, the education plays a very important role, because it is necessary on a simple, discrete and direct manner to offer the tools and knowledge needed so that  each person within their respective social order can give clear explanations and offer his/her services within any model of business so that activities could be developed with the support of the platform.
The creation of the platforms and applications supporting all the activities require to have simple and friendly inter phases  because nowadays there are a lot of  “Wallets” administering Cryptocurrency operations, but none of them have the qualities from a simple application, as many applications are being developed in the social networks easily reaching the population.  
Once the complete platform is developed, it must be located and supported with the security requiring the control of commercial operations, as well as the selection of the location permitting greater flexibility on each one of the communities.
Part of which we have called as guarantees in the process, those come from the legal assistance and support to all the operations, notwithstanding that it is a commercial custom generally accepted to receive goods or services in exchange from other goods and services to which both parties have given the same value. This fundament of use and costume must be legally supported so that it can have specific weight in the local commercial regulation.
The globalization comes from the hand of a structure of atomized distribution of responsibilities with vertical support of operations. This will permit that the certified people to be marketers and replicators within their communities of influence, that is to say each person has a pre agreement of exclusivity to operate on its community and the possibility to enlarge such area of influence through the specialization of knowledge. This scale goes from the regional influence, for countries, sectors and communities.

System of decentralized payment with shared benefits

The users do not want to continue being observers of the technological development; they want to actively participate in the development and impulse of the operations, without a higher entity awarding itself the economic benefit to count with them within the ecosystem. This is the reason why this solution proposes to maintain the original spirit of the cryptocurrencies and to decentralize its economic benefit for the diffusion and globalization of consumption, thus benefiting all the users of the community for their participation.
It seems that all the products come from a garage in California so that a person can become millionaire. At this time the community will win as a whole, from a product with levels of certification and participation open to all.
Payment applications, wallets, exchanges… there are many, the idea is that we unify criteria related to a product generating tangible benefits for our specific support.
The common users, beyond the trading investors and the technicians of the mining, only want to be part of the network and the benefits, not only being on it.
We are the distribution of the knowledge on behalf of the members of the community to generate atomized benefits distributed among those supporting the network.

The challenges of the proposal

Eventually a channel of YouTube must be prepared, containing the basics to certify the people replicating the knowledge and training them to generate value added. As previously mentioned, this tool with the globalization will permit to sellers and consumers to profit from the users network and to work on the loyalty of the clients. This work must be addressed to members of the own community that can and understand how to replicate the use on their behalf.
Create bi-directional Applications permitting the interconnection between sellers and buyers.
To have a safe and reliable platform for the management of transactions.
Endorse with the team of experimented professionals the needed legal support for each community, with this we refer to the responsibility of our  community, ensuring that the products comply with the most elemental regulations as well as the standards of security generally accepted, therefore in this section we compromise to always apply the best practices of business and to look after their compliance.