We all should make our own investment decision based on our comfort level and risk appetite. As a rule, never invest more than you can afford to lose in case of a total loss.  

It is a good practice to maintain a balanced investment portfolio and not put all your eggs in one basket, no matter how promising it looks. Additionally, it helps to gain a good understanding of the business model applicable to the specific investment. I generally would take the “highway” and move on if the business model is not cohesive, incomplete, or one that I do not understand. Unfortunately, many of the offerings in our industry fall under this category. That is a little troubling.

The current DNotes model is capped at 500 million, which will not max out for generations as a Proof of Work (PoW) coin. Moving on, DNotes 2.0 is a Proof of Stake (POS) coin. It is best suited in the fulfillment of our commitment to encourage long-term savings and making it accessible for everyone to participate in the most meaningful and rewarding way. This model is pro-savings and pro-stakeholders’ interest verses getting rich over-night. It is consistent with out long-term push for DNotes to gain mass acceptance. Most importantly, it will work just as well today, as it will 500 years from now.

We have no doubt that this model, coupled with DNotesVault and our fully integrated ecosystems, will be proven to be far superior for our stakeholders than other models more tilted towards speculative trading. In addition, DNotes Global will be a significant contributor to DNotes intrinsic value. Our cross-ownership model will also be beneficial across a board spectrum collaboration and partnerships using DNotes as the digital currency of choice.

Edited for clarification per request:

“No Cap” may be misleading. The rate of growth is actually capped, based on the issuance of new DNotes for payment of staking reward (2% per year) + monthly CRISP reward (1.66% every 30 days or 2% per year) + annual CRISP reward (4% every 365 days.) The annual total is approximately 8%. That is the annual growth rate and in proportion to your ownership of DNotes, if you participate in full. If we cap it there will be a time, generations from now, we will not have the DNotes to support this program. Consequently, the reward program will end or corrected with a new fork, which can be challenging as we have seen with Bitcoin.

I am heading off to a meeting as part of my search for Board members and Board of advisors. I encourage our community to continue the discussion and further clarify this important matter. We are always mindful of the best interest of DNotes' stakeholders. Thanks.

Thank you, Chase.  I am glad that you like it. Wish I can still find more time to write. We are putting in an insane number of hours each day but delighted to be making great progress. Thanks for all the support we are getting behind the scene.  

Thank you for your support, Alcumus.

In business as well as in life, it is wise to recognize that greatness prevails not by individual efforts alone but through the efforts of many working together. We all have our strengths and weaknesses. At DNotes,  we always focus on our strengths and humbly include others to compliment and build on our strengths. To that extent, DNotes could be related to Ripple as a strategic partner in the future. As of now Ripple is just one of my small investments dating back to early 2014.

Ripple is not a pure decentralized entity but one of the earliest to recognize the power of the blockchain in the transfer and settlement of currencies and assets of value around the world between parties in a fast and efficient manner. In terms of a global payment and settlement system, they have done an amazing job. Being managed as a business with centralized leadership they have achieved remarkable success in working with major banks and corporations around the world.

One day, as part of our fully integrated ecosystem, we will have our own exchange, bank, partner-banks and global payment network linked with other networks. I envision that our system will be designed to always use the best route and means in getting the best exchange rates for our customers in the most efficient and expedient manner. I believe that Ripple will be a part of that equation.

Compared to Ripple, DNotes is casting a much wider net. Strategically, we have a strong focus in building a trusted brand and very committed to mass acceptance of DNotes in global commence. To that extent DNotes must one day be conveniently accessible to everyone, including the corporate world and females. By definition, mass acceptance should mean that no one is left behind; including those with little means today. Meanwhile, education and getting the words out in the most informative manner is important to us.

Thanks, Wiser. Great article. I am so busy that I only have time to do a quick read, but can not resist moving on without a brief comment.

No one can achieve greatness individually, but as a group working cohesively to achieve common goals that are mutually beneficially to all.  And being the smartest guy does not guarantee success in life or in business, since we all have our strengths and weaknesses. It is not enough to be great in just one or two areas and assume that everything else will take care of themselves. So, I am not surprised that, “STEM (science, technology, engineering and math) expertise comes in dead last. The seven top characteristics of success at Google are all soft skills: being a good coach; communicating and listening well; possessing insights into others (including others different values and points of view); having empathy toward and being supportive of one’s colleagues; being a good critical thinker and problem solver; and being able to make connections across complex ideas.”

Furthermore, “the company’s most important and productive new ideas come from B-teams comprised of employees who don’t always have to be the smartest people in the room.” One doesn’t have to be the smartest but the wisest to out-smart the smartest.

Thank you, Pete.P. I will comment on what I can. However, it is important for our community to understand that because we have chosen the route of a compliance Reg. A+ Mini-IPO Title IV Tire 2 where securities can only be sold after being “Qualified” by the SEC, we are constrained by certain disclosure rules.

We will be significantly more guarded on what we post and be committed to disclosing information of material impact through multi-channel at the same time, so that no one can gain an unfair advantage of “insider” information by trading ahead of others based on early information received.

Having said that, I can confirm that our partnership with Geneca in the further development of DNotes 2.0 is doing extremely well. We are confident that it will be launched in the 1st Quarter of 2018. This is a multi-year project that will continue to expand and require significant investment.

Limited efforts have been allocated to secure the listing of DNotes on additional exchanges at this time, in part because of the impending technology upgrade to DNotes 2.0. However, I have developed an extensive contact list and introduced myself to some of them. In the case of Binance, we have submitted a substantial proposal with an indication of paying them for support and promotion. They have not yet responded.

I hope I have sufficiently answered your questions to the extend that I can. I am looking forward to a rewarding and exciting 2018 and wish you all a very Happy New Year!

Happy New Year, TeeGee. Enjoy yourself while you can. We have a lot of hard work ahead.

Let’s change it to “OUR” top self-improvement goals for "the" year.

Because after four long years of hard-work we finally got it – let’s no longer be shy about promoting the Amazing DNotes Story. Here are some actual comments I got today from some of my high-profile LinkedIn contacts:

“Hello Alan. Happy New Year. Wondering if we might Link In. Am very interested in DNotes Global. Perhaps there is some opportunity for me as your company takes off in 2018. Have a varied and successful global experience. Here's my web site and you can also view my LI profile for more. Best, Martin Wonsiewicz https://wonsglobal.com/”

“Alan hi, I sincerely admire your outstanding experience and professional career and I would be honored to be among your first circle of contacts on LinkedIn. Please, join my network! Regards, Mark Fedin, CEO of Bincoin.com”

If we organize a party today I think it will be filled to capacity. Let's get the DNotes Story out. Go DNotes!

HAPPY NEW YEAR!!!

Hope you all have had a great evening enjoying the New Year celebrations.

I had wanted to take it easy for a couple of days but so far it has not been as planned. Instead, I have been actively responding to many LinkedIn connections of fairly high-level contacts. That could be a great sign that DNotes is finally being discovered. Or perhaps, more people are beginning to realize that our selection of Reg. A+ Mini-IPO is the smartest and best legal alternative to funding our projects, instead of joining the popular ICO phenomena. 

Thank you, RJF. Things are looking very good from my vantage point. I trust that we will have a fantastic 2018. I can already feel that many more people want to be our friends. And if we have a party at the end of 2018 - it will be filled to capacity. LOL (You know I got that idea from you, RJF).

Excellent job, Joe.

My very best wishes to you all for a very Happy and Prosperous 2018!

Thank you for monitoring it. Since we did not have time (less than one day) to do any vote campaign, it is not a surprise. We applied under a different program. If they get back to us, I will keep the community informed.

Thank you, Bitcoin! for bringing this to our attention. We have submitted a solid application/proposal.

In view of what DNotes has in store, I trust that by the second half of 2018, we will not be short of major exchanges that want to list DNotes. Our current top priorities are to launch DNotes 2.0, raise up to $50 million using Reg. A+ Mini-IPO from accredited and non-accredited investors worldwide, and formalizing the most ideal business models for NextGen VC. There will also be many smaller projects. 2018 will be an amazing year and not fall short of news-worthy events to keep our PR team busy.

I am personally most appreciative of all the support and encouragement you all have given us. We are all in this together to give everyone an opportunity to participate and share our success.

I wish you all a very HAPPY and Prosperous New Year!!!

We do not make prediction. But, personally, I believe that it is important for us to share as much information as appropriate and be as transparent as possible so that investors can make their independent informed investment decisions objectively. As a result, we have been making every effort to support this forum and answer every question, as time permits. They are often done with great consideration to convey a consistent and cohesive message of our vision for DNotes to be the trusted digital currency of choice accessible for everyone worldwide to participate.

DNotes is uniquely different, since the day it was launched on February 18, 2014. Like many in our industry, we became addicted to the many world-changing implications this new decentralized world could bring forth to the betterment of humanities. We quickly came to recognize the ingenious consensus system, the unbreakable double spend solution, and the enormous power of the blockchain.

 No doubt, we are witnessing the greatest technology revolution since the Internet. And from my prospective, significantly bigger and far more wide-reaching worldwide. There are real possibilities to change the world by helping those with little means today to climb the social economic ladder.

However, we can choose to keep on dreaming about those possibilities or do something about them. We have committed ourselves to the latter. That is the beginning of the DNotes Story as to why we have been doing things so differently. We quickly recognize that this is a massive opportunity with many inherent problems that must be solved before its true value can be realized.

Hence, we started building the most essential ecosystems as our strategic blocks, one by one to solve multiple problems inherent to this leaderless newly formed decentralized world. We believe that, one by one we will identify and solve those problems. How much would DNotes be worth then is as good as anyone’s guess.

Meanwhile, I strongly encourage our followers to do a deep research on us. Knowledge will set you free and let you make informed decisions.

Regarding our philosophy on open-source software, it is best not to get ahead of ourselves at this time, especially, now that we have a software development partner, as well a formal Board of Directors for DNotes Global in the near future. We will take time to study this critical issue with formal discussions before releasing specific policy decisions in the future.

What I can say at this point is that I personally support open-source software development to facilitate collaborative development, testing and debugging at some point. One day, our users by choice, could seek to be treated like co-developers with full access to the code of the software.

DNotes will most certainly remain open-source. However, it is highly conceivable that some of our proprietary software will be managed as closed source and only available under licensing and non-disclosure agreements. The software development of our exchange in the future will fall into this category. In this case, security is our number priority. Open-source may allow hackers to pinpoint every weaknesses and loopholes and exploit them to their advantage.

Hope this sufficient answered your questions.

Yes, we are pursuing listing of DNotes on various exchanges worldwide. That will happen after DNotes 2.0 is launched to the satisfaction of those exchanges that DNotes 2.0 is stable based on their evaluation.

I will be gone most of the day.

Just a brief response. DNotes is a “C” corporation. All its authorized and issued shares are common stock shares just like that of Google or IBM. Blockchain is still an experiment, so we do not plan to have the shares on the blockchain any time soon.

DNotes, on the other hand, are sometimes labeled as crypto-shares of a Decentralized Autonomous Organization (DAO). The 25% (subject to dilution) will most likely be held in a trust for the benefits of all DNotes stakeholders. We are still working with our Attorney to determine the best option. This ownership will remain the same with no planned distribution. It is meant to provide DNotes currency with some intrinsic value. In an efficient market, the value of this ownership will be reflected in the market price of DNotes. It should have a positive impact on DNotes’ price stability, essential in mass adoption of DNotes in Global commerce.

Wiser, thank you for helping us to think through this. The Mini-IPO will only be selling up to 10,000,000 DNotes Global, Inc’s. shares at a fixed price of $5 per share, allowing us to raise up to $50 million using Reg. A+ Mini-IPO Title IV Tier 2. No money can be accepted until our registration filing is “qualified” by the SEC. It is a long and expensive process but far less costly and burdensome than the traditional IPO. We expect it to take six months at a cost of $500,000.

We have no intension of selling the DNotes any time soon. There are many reasons for the ownership. Strategically, it gives DNotes Global strong self-interest to make DNotes an immense success. Because of that it creates shareholder value for DNotes Global and stakeholder value for DNotes. And since DNotes own 25% of DNotes Global (subject to dilution) a more valuable DNotes Global also makes DNotes the digital currency more valuable with more intrinsic value in support of it.

The business models that we have been building are simply amazing. They are viable for our industry to follow one day, though not easy to replicate.

The whole DNotes model is extremely complex in many respects. As we attempt to merge the old world of centralized control with the leaderless decentralized new world there are many challenges we seek to overcome. We intent to be as transparent as possible and trust that we all can learn together.

Its going to be a very busy day for me. I will check in when I have a chance. Have a wonderful day. 

"Does this mean that DNotes Global Inc. would be seen as breaking SEC regulations if it ever sold any of the potentially postmined 10,000,000 DNotes2.0 being considered?"

That is a valid question. If we use the 10,000,000 DNotes as a token sale to raise money for DNotes Global before being qualified by the SEC as registered or exempted that would be illegal under U.S. security laws. I would not be surprised that we need to file a disclosure statement with the SEC in the future if we intent to sell any of the DNotes.

I don't think there is a law against anyone launching a new coin and making it available for everyone to participate in - the way our industry got started. The SEC takes issue when someone pre-mined an amount and sell them for money without SEC registration or exemption.

My relentless commitment to help DNotes succeed by doing the right things is to ensure that DNotes can benefit a lot of people who do not have the means to participate in investments that are designed for accredited investors. So, we share a lot of investment sentiments in favor of the small investors.

Excellent job, team. This is giving us great exposure. We will be dialing up our PR machine by a few notches in 2018.