Welcome acryptodealer, those are great questions. We are working on the documentation for answering those questions in great detail as we speak, including a white paper and pitch deck. I would recommend the brief description I can provide here and now does not do the overall system justice, and it will take some research as well as waiting for our detailed documentation, but I will provide a high level description:

DNotes is a decentralized digital currency and in order to make the decentralized digital currency useful in the centralized world it requires third party involvement to create a 'bridge'. DNotes Global, Inc. is the bridge, and the ecosystem it is creating are all parts and pieces of that bridge, but we took it a step further by creating a cross ownership model between the currency and the company to further increase the bond between them and the interest between the two.

Currently as part of the ecosystem, we have several pre-revenue generating entities, they include:
DCEBrief - a news and information media outlet that delivers objective and informative news on the latest developments in the world of digital currency. News is presented in the condensed format needed by busy executives, business owners, regulators, and other decision-makers. Aside from a platform to educate this group and others on truth versus misconceptions in the digital currency industry, DCEBrief will be an invaluable media resource for global coverage of all DNotes initiatives.
DNotesVault - offers the familiar custodial relationship investors are accustomed to by providing all our stakeholders with secure, guaranteed online storage for their DNotes. With its likely future evolution into an exchange / bank, it will not only operate as a trusted facilitator of everyday transactions like automatic deposits and payroll deductions into our various CRISPs (Cryptocurrency Investment Savings Plans), it will be a financial cornerstone in global commerce and small business success.
CRISP - Cryptocurrency Investment Savings Plans. Currently Kids, Retirement, Employee Incentive Benefits, Students.
The Four Pillars of Business Success - Revenue from “The Four Pillars of Business Success”, a book written by Alan Yong in which he shares four decades worth of business expertise, will help fund future projects and provides valuable exposure for DNotes, our CRISP program, and the rest of the ecosystem. The Four Pillars member site is an affordable e-mentorship program that provides access to Alan and his team, additional resources, and materials that expand on the concept of the book.
As well as the The Four Pillars of Business Success Membership site and Video Series.
CryptoMoms - addresses a great need within the industry for accurate digital currency education, straightforward and unbiased news, and representation from women. CryptoMoms, launched by DNotes in 2014, provides a digital currency learning center not just for women, but for anyone that would like to learn or ask questions in a friendly and helpful environment. It will also act as a stepping stone toward adoption of DNotes by women’s small businesses.

From there we intend to expand our ecosystem providing digital currency services and platforms as well as into NextGenVC. NextGenVC will be built from a model we will be using for DNotes Global Inc, to build a successful business, identify companies in need of help. Depending on the unique situation, potentially help them raise funds, train them using the four pillars business model and work with their staff, help them create DNotes CRISP programs for their employees, help them accept DNotes for payments and B2B in-network DNotes offerings, build DNotes and DNotes based blockchain applications that help utilize our platform to improve their efficiency.

Here are some links for research reference:
The DNotes story, which also Chapter 15 of the Four Pillars book: http://dnotescoin.com/the-dnotes-story-an-unfolding-big-bold-idea-of-global-scale/
Tim's Podcast interview on the bitcoin podcast: http://dnotescoin.com/the-bitcoin-podcast-had-tim-goggin-from-the-dnotes-team-on-the-show-to-talk-about-dnotes/
Alan's CEO CFO interview: http://www.ceocfointerviews.com/interviews/DNotesGlobal17.htm
The DNotes roadmap: http://dnotescoin.com/dnotes-roadmap/
Our blog: http://dnotescoin.com/blog-main-hub/

I can recommend signing up for our newsletter at: http://dnotescoin.com/
When we release the documentation and videos with those greater details, our newsletter subscribers will receive them.

Also, regarding your final question:
We are at the early planning stages of two rounds of funding – Reg. D 506 (c) for $2.5 million, followed by Reg. A+ Mini IPO Title IV Tier 2 to raise up to $50 million from accredited and non-accredited investors worldwide, within a 12-month period. We plan to have DNotes Global, Inc.’s common stock listed on OTCQX secondary market soon after the closing of the A+ funding round.

Excellent work Tim and video team! The amount of work that went into that video was incredible and it shows in the result.

Agreed, it's not advisable to use credit to purchase crypto. However, if you are eligible for credit, and they have qualified you as able to pay back the amount you are borrowing, they should not be allowed to pick and chose which way you can spend your credit. You can gamble with your credit card, you can buy gift cards with your credit card, you can buy cigarettes and alcohol, but you can't buy bitcoin? Something just doesn't add up.

Also, submitted to Udemy. The goal here is to get some exposure to the course as well as DNotes. If you know of any other places the video courses should be listed, let us know.


https://www.udemy.com/the-four-pillars-of-business-success

Welcome veso86, everything is still on track and mid March still looks like a good target date.

Improve Your Odds - The Four Pillars of Business Success video course is now live on SkillShare, a premium online classroom. Please do check it out and subscribe to Alan's course.

P.S. you can even earn some referral money for getting people to sign up
Please share.

Welcome Daniel, thanks for joining us on the forum! I will give it some thought and see if I can come up with any suggestions for you. Great work on the articles so far.

Hi The Chezzz, that is a great question. We are involved because we believe fundamentally that cryptocurrency is an amazing and world changing revolution that will have a deep impact on peoples lives. Without that philosophical buy-in, cryptocurrency is not the right investment vehicle for you (with some exceptions), you would simply be chasing the ups and down and much more prone to making big mistakes, at least from my view point. Following that same line of thinking, you would need that same buy-in for the way DNotes is approaching cryptocurrency.

Hi flashmoniltd, yes it is a possibility for the next DNotesVault update for users that may not be able to use the app. Users may be able to use it still on desktop as well: https://www.maketecheasier.com/google-authenticator-for-desktop/

Fantastic! Another thought provoking article Daniel. I can imagine the benefits to the countries that adopt fair rules and regulations that have a minimal impact on the growth of the industry, in terms of being a technological leader attracting skill and industry, jobs and wealth creation, and the impact on the economy.

Welcome The Chezzz, appreciate that you would share your experience with us. I believe we are absolutely on the right path and it takes some research and stepping back a little from the industry to see the bigger picture and the role DNotes can play in the future.

Agreed, thank you Denver Dan and Chase! Those are great questions in helping to clarify, not only for you, but also everyone else reading along.

Yes, mobile devices would certainly be capable of storing the blockchain and running a staking full node. There are certain considerations we will have to look into to create a high efficiency and light weight version for mobile devices.

"This 2% is based on coins in existence?  So, approximately 131,300,000 (today) x .02 = 2,626,000 per year/total reward?  Which is also the total inflation (plus CRISP rewards)?"
Roughly speaking, yes. For inflation, yes, and would need to include CRISP.


"From what I understand, this is a little less than what miners are getting right now?  (Not necessarily a bad thing)"
Correct, miners receive about 1,000,000 a month now. With 130,000,000 in distribution, the maximum reward, with everyone participating in every program to the fullest, it would be a bit less at around 900,000 initially.


"Do you feel this percentage is enough incentive for people to stake and secure the network?" & "I've read other coins are up to 10%.  Different inflation model, but just curious your thoughts."
Yes! Especially when considering the less people that participate in staking, the higher the yield for the user.


"From what I read earlier, there will be no master nodes? "
Correct, initially, but that doesn't mean we won't ever have a master node or master node like concept to perform other functions.


"With the deferred/cold staking, could it be possible to do this from a mobile device?"
Not sure I understand the question correctly, but it's all possible, just may not be practical.


"Can we use our CRISP to stake with? "
The same coins will be available for staking as well as CRISP simultaneously. There may be some guidelines to follow to do this properly, and consequently a compounded long term scaling issue to address, but the short answer is yes. We are working to make it as seamless and the least technologically burdensome process possible given the requirements.


"What are the terms for CRISP or penalties for withdraw from CRISP?"
No penalties to speak of. If the coins are in the wallet, and have remained in the wallet for the required amount of time, you will receive the appropriate reward. 30 day and 365 day periods.

"1). How long do you have to hold DNotes to get the staking reward of 2% per year?"
To get 2%, on average, you would have to be staking your coins for the entire year, that is if everyone is staking all of the coins. It doesn't matter how long you have had them prior to the point where you started staking.

Let me clarify how that works.

2% is the target for the whole network. A target of 2% of total coins will be released as staking reward every year.

But what happens when not all of the coins on the network are being staked?
The reward for the network as a whole doesn't change, but the reward percentage for the individual staker will. If only half the coins on the network are being staked, then you may receive closer to 4%.

Will there be a compounding effect?
Absolutely, the coins that you are staking with will be increased every time you win the staking reward for a block, and give you more coins to stake with (confirmed within 60 blocks).

"2). What is the difference between the staking reward of 2% and the CRISP reward of 2%?"
The CRISP reward is automatic and does not require you to be actively running a node that is actively staking your coins. And they must be older than 30 days, held in the same wallet.

"3). Are there any other specific details I need to include, such as minimum stake on any of these rewards, etc???"
There isn't going to be a minimum at this time. Staking will become less efficient with less coins, for instance if you have 100 DNotes, staking may not make sense for you because it will take years on average to win a stake reward.

"p.s.  I think I'll change the 1.66% every 30 days to .166% every 30 days.  "
Correct, that must have been a typo.

I hope this helps to clarify. If not please let me know.