[ANN][NOTE]DNotes - Celebrating DNotes 3rd Birthday - Forum Now Open

[keemo]

The coming money wars:

http://cointelegraph.com/news/113663/the-most-important-chart-for-the-global-economy

or, why the USA is a target and how it may affect digital currency.

Great article.  This is starting to feel like the "calm before the storm" we have witnessed before when leading up to a major correction in the financial world.

Can I put your Family CRISP idea in the contest?

Talking of correction in the financial world, I wanted to highlight the role of money flow into a specific investment vehicle/strategy and its subsequent appreciation. In 1990s venture capital was hot and funds flew into this sector left and right, once dot-com bust took place, hedge funds became hot since investors wanted absolute returns rather than relative returns. Then came the private equity wave and money shifted from hedge funds to private equity firms. Now, that private equity froth has all been skimmed away, money is flowing back again into venture capital firms.

In all this, as digital currencies continue to become more mature and mainstream, it is conceivable that money flow will shift into digital currencies. I am thinking of digital currency as a completely different asset class that different investment managers will focus on (under pressure to produce returns). Why so? Because in all the above money cycle shifts, money sought to get into an asset class/strategy that was in its infancy and thus had potential for huge returns. This holds true for digital currencies.

Your analysis is sound in principal and, I firmly believe you are correct but one difference between traditional and crypto is still a road block; knowledge. Fund managers are still wary of crypto and many don't even know it exists. Managers that do know of it are reluctant to incorporate in portfolios either because their investors don't understand or trust it or, the old standby, it's too volatile. I think this is a "cop out" meaning they don't want to spend the time to learn how the markets work nor do they want to spend the  
time nd energy required to manage a crypto investment.

Yes, I'm sure the day will come but it will still be a way off for most people. We all need to educate financial managers to the best of our ability. For example, I have funds under management by Edward Jones. My manager has performed well for the years we have known each other and the fund has done average to just above but when I suggested some investment in crypto, the color drained from his face.

I explained why I was interested, I explained how Bitcoin et al works and pointed him to articles and news about investment and capital but, he still doesn't trust the industry or "pseudo-industry" as he calls it. I'm sure I can bring him around eventually but it will take time and energy to do so.

Yes, you are correct in the long run but, it won't happen on its own, we need to make it happen. The way to do that is to show them the future, not try to explain the present. Humans have active imaginations, if you can paint a picture of a better financial system that has real value and no borders, they will catch on.

DNnotes directly addresses both counter arguments, it's not as volatile as most other coins and, on the surface where it matters, it's easy to understand. It has steadily appreciated since almost day one and there are no hidden features or purposes, no quasi-legal functions and a rather flat learning curve. It is both a currency and a store of value so it's uses are almost endless. Our Vault and CRISP plans are easy to use, and easy to understand and provide real benefits.

What more could they ask for right now?

Well said, RJF. I agree it won't happen on its own even though the disintermediation vue proposition is so strong. That is where DNotes is differentiating itself through cryptomoms, crisp programs etc. Other currencies seem to be purely technological solutions and I don't see any effort from them to build a diversified user base.

[Dyna]

 A new press release has been approved for expanded distribution beginning Thursday March 12, 2015. This is our biggest attempt to reach out to the mainstream media.

Here is a Sneak Peek:

As Credit Card Fraud Reaches New Highs Bitcoin Alternative DNotes Brings  Banking Solutions, Stability, And Value

As credit card fraud cases reach new highs, the legacy banking system may soon be challenged by Bitcoin Alternative DNotes with an impressive track record of stability and good store of value; two of the most commonly cited reasons that Bitcoin is not a viable threat.

There is an inherent tendency for promising emerging technologies to be deceptive at the formative stage, especially when perceived to be highly disruptive. According to DNotes Co-Founder Alan Yong, a well regarded pioneer and visionary during the early days of mobile computers, this has clearly been the case with Bitcoin, despite often being described as the greatest technology innovation since the Internet……………………

…………… Being the most direct targets of disruption, senior bank and credit card companies’ executives often discount Bitcoin as a threat because of its explosive volatility and poor track record as a store of value…………

…….. In such an environment, the immensely promising Bitcoin with the potential to be the greatest technology revolution of our generation can be quite deceptive; causing many to look back a few years from now wondering how they could have missed the early promising signs. ………..

DNotes can best be characterized, as a second generation Bitcoin alternative digital currency. Created over one year ago, it exploited the advantages of knowing the weaknesses and pitfalls that penalized Bitcoin as the pioneer………..

…………. Central to DNotes long term strategic plan is the creation of highly scalable building blocks, as the foundation of its own ecosystem.

………. The core mission of CRISP is to make the savings opportunity available to everyone; from the unborn to the most senior; from the unbanked to the super rich…………

…………. winning strategies are most effective when executed flawlessly in the right sequence and at the most opportune time.  ………………..

[CryptoBroker79]

A new press release has been approved for expanded distribution beginning Thursday March 12, 2015. This is our biggest attempt to reach out to the mainstream media.

Here is a Sneak Peek:

As Credit Card Fraud Reaches New Highs Bitcoin Alternative DNotes Brings  Banking Solutions, Stability, And Value

As credit card fraud cases reach new highs, the legacy banking system may soon be challenged by Bitcoin Alternative DNotes with an impressive track record of stability and good store of value; two of the most commonly cited reasons that Bitcoin is not a viable threat.

There is an inherent tendency for promising emerging technologies to be deceptive at the formative stage, especially when perceived to be highly disruptive. According to DNotes Co-Founder Alan Yong, a well regarded pioneer and visionary during the early days of mobile computers, this has clearly been the case with Bitcoin, despite often being described as the greatest technology innovation since the Internet……………………

…………… Being the most direct targets of disruption, senior bank and credit card companies’ executives often discount Bitcoin as a threat because of its explosive volatility and poor track record as a store of value…………

…….. In such an environment, the immensely promising Bitcoin with the potential to be the greatest technology revolution of our generation can be quite deceptive; causing many to look back a few years from now wondering how they could have missed the early promising signs. ………..

DNotes can best be characterized, as a second generation Bitcoin alternative digital currency. Created over one year ago, it exploited the advantages of knowing the weaknesses and pitfalls that penalized Bitcoin as the pioneer………..

…………. Central to DNotes long term strategic plan is the creation of highly scalable building blocks, as the foundation of its own ecosystem.

………. The core mission of CRISP is to make the savings opportunity available to everyone; from the unborn to the most senior; from the unbanked to the super rich…………

…………. winning strategies are most effective when executed flawlessly in the right sequence and at the most opportune time.  ………………..

I can't wait for this press release. This presents a very strong case for DNotes to the general public.

[Chase]

A new press release has been approved for expanded distribution beginning Thursday March 12, 2015. This is our biggest attempt to reach out to the mainstream media.

Here is a Sneak Peek:

As Credit Card Fraud Reaches New Highs Bitcoin Alternative DNotes Brings  Banking Solutions, Stability, And Value

As credit card fraud cases reach new highs, the legacy banking system may soon be challenged by Bitcoin Alternative DNotes with an impressive track record of stability and good store of value; two of the most commonly cited reasons that Bitcoin is not a viable threat.

There is an inherent tendency for promising emerging technologies to be deceptive at the formative stage, especially when perceived to be highly disruptive. According to DNotes Co-Founder Alan Yong, a well regarded pioneer and visionary during the early days of mobile computers, this has clearly been the case with Bitcoin, despite often being described as the greatest technology innovation since the Internet……………………

…………… Being the most direct targets of disruption, senior bank and credit card companies’ executives often discount Bitcoin as a threat because of its explosive volatility and poor track record as a store of value…………

…….. In such an environment, the immensely promising Bitcoin with the potential to be the greatest technology revolution of our generation can be quite deceptive; causing many to look back a few years from now wondering how they could have missed the early promising signs. ………..

DNotes can best be characterized, as a second generation Bitcoin alternative digital currency. Created over one year ago, it exploited the advantages of knowing the weaknesses and pitfalls that penalized Bitcoin as the pioneer………..

…………. Central to DNotes long term strategic plan is the creation of highly scalable building blocks, as the foundation of its own ecosystem.

………. The core mission of CRISP is to make the savings opportunity available to everyone; from the unborn to the most senior; from the unbanked to the super rich…………

…………. winning strategies are most effective when executed flawlessly in the right sequence and at the most opportune time.  ………………..

Score 10 points  for DNotes   /  Credit Card companies - zero

WOW!

[RJF]

FYI

DnotesVault website, footer, CR.I.S.P. needs to be changed to CRISP and checked for other occurrences as well. Might want to do a general look over all sites and pages.

[RJF]

FYI

DnotesVault website, footer, CR.I.S.P. needs to be changed to CRISP and checked for other occurrences as well. Might want to do a general look over all sites and pages.

Don't forget 6000% increase in fraud when ApplePay went live...

[TeeGee]

I love the direct attack on the frailties of the current prominent financial system DYNA.

I too am looking very forward to this press release!

[Dyna]

I love the direct attack on the frailties of the current prominent financial system DYNA.

I too am looking very forward to this press release!

 

Thank, TeeGee. Put in a lot of hours but well worth it. I will let you guys be the Judges tomorrow. We should be getting very good coverage for this. No big post today. I should have a little more time tomorrow.

[Chase]

In Altcoin Discussion, there is a thread to vote for currencies to be added to the next edition of "Cryptocurrency "The Alt-ernative" A Beginner's Reference" 2nd edition, to be published in 2016.  They have added DNotes to the voting list.  

Cryptocurrency "The Alt-ernative" (Second Edition) VOTE  -   https://bitcointalk.org/index.php?topic=985422.0

[DNotes]

FYI

DnotesVault website, footer, CR.I.S.P. needs to be changed to CRISP and checked for other occurrences as well. Might want to do a general look over all sites and pages.

Thanks RJF, I'll take a peak.

[CryptoBroker79]

How could DNotes help those living a simple lifestyle?

Example:
Several parties decide to use DNotes to represent the value of goods when bartering. Normally they can trade one good for another, without money being involved. But nothing protects them from unfortunate circumstances, so during times of surplus, additional DNotes can be saved to protect the parties involved. When facing deficit, the saved DNotes act as a safety net, allowing them to secure their basic needs for survival. To earn even more DNotes, they could start shipping specialty products worldwide. This would have never been financially feasible on a small scale using traditional forms of banking and money transfer.

[Chase]

How could DNotes help those living a simple lifestyle?

Example:
Several parties decide to use DNotes to represent the value of goods when bartering. Normally they can trade one good for another, without money being involved. But nothing protects them from unfortunate circumstances, so during times of surplus, additional DNotes can be saved to protect the parties involved. When facing deficit, the saved DNotes act as a safety net, allowing them to secure their basic needs for survival. To earn even more DNotes, they could start shipping specialty products worldwide. This would have never been financially feasible on a small scale using traditional forms of banking and money transfer.

I think DNotes could help anyone, regardless of their lifestyle.  The combination of stability, appreciating value, and business friendly attributes should allow anyone to benefit from using it in even the smallest of businesses.  Using DNotes and bartering sounds like a good way to determine a fair value for things!

[Chase]

The CRISP Word Contest   -Prizes & Rules:  https://bitcointalk.org/index.php?topic=470155.msg10712392#msg10712392

Thank you everyone for your entries!      


CRISP Dictionary Definition

kanus1113:     CRISP (Cryptocurrency Investment Savings Plan) - A group of programs designed to aid individuals and groups save digital currency as a long term investment.

infovortice2013: CRISP: We can define CRISP as a Combined Group of online Investing Plans Securiced and 100% backed in coldwallet warrantee.Proffesionaly tutored all the plans are
"the first ones"; so CRISP is the most innovating product at his time and is sharing an opportunity for all to join plans that can obtain logaritmic rewards but sure you will earn % interest of each plan.

***********

Non-competitive Entries (no prizes):

Dyna:      CRISP is A DNotes Global Initiative.

Cryptobroker79:  CRISP /krisp/

abbreviation
cryptocurrency investment savings plan

noun: CRISP, plural noun: CRISPS

1. -a DNotes global Initiative, designed to bring cryptocurrency to the everyday person.
   -a long term savings plan, using DNotes as the investment vehicle.
   -an alternative to traditional investments, savings, and retirement plans.

verb:CRISP, past tense:CRISPed, present participle:CRISPing

1. set aside wealth for the future.  "I CRISP for my future"
2. previously set up a CRISP.  "sure glad I CRISPed, it's out performed all of my other investments"
3. using a cryptocurrency investment savings plan.  "I've been CRISPing for years now, and my finances have never looked better"


CRISP Customized

infovortice2013:  Can be use for old, young(study), childrens, needs... but i like to see travel plans savers or 2 savatical years found or wherever user selfmake want.

*********

BoscoBlue / RJF / DNotes (Joint Entry):      
Boscoe Blue - Organizations may benefit from using CRISP, where the organizer can customize and contribute to their own CRISP program. For example, employee matching programs.  
RJF - Perhaps, in the future, we could have a "CRISP Generator" where you just plug in the required amounts, fund name and purpose, pick from a list what you want to calculate, etc and submit it for review and possible posting if acceptable. Of course there would be rules and guidelines and the creation process would rely on drop down choices to keep things in line and formatted as DNotes wishes. People could apply for a CRISP Hosting account at the time.
DNotes - Agreed, that sounds like a good idea. An organization would apply for registration. Get their own landing page like ABCOrganization.DNotesVault.com, registrations through that landing page would be tied to that organizations account. As well as an organizational administration panel where they could approve registrations and add 'rules' for accounts tied to that organization, like fund matching or initial sign up bonus. What type of organizations might be interested in something like this?                                    
RJF - I would think the list is long and distinguished. Schools, volunteer Fire/Rescue/OEM, public service such as Rotary, Masons, Optimists, Scout Troops, Charities, etc.  Anybody that wants to offer an incentive for joining, serving or remaining a member.

********

RJF:  CRISP for Families! Either a CRISP for Families, or a pre-configured generator to create simple family CRISP Plans where Mom or Dad can "plug in" their configuration and comfort level, include their children, and end up with their own, family oriented, savings plan/account all rolled up in one CRISP customized for them.  

With growing distrust in banks and other financial entities and managers, people are starting to take their investments into their own hands, what better way to do this than a DNotes savings plan that you customize for your own needs and expectations? I can foresee a lot of activity with this and that is the main reason a self management system should be developed to take off DNotes developers. And, as always, the chance for much greater than traditional returns is always there.

I think this would be a template for all future CRISP plans if developed with flexibility in mind. Later on we can role crypto currency conversion into the system to allow for the deposit of other coins and their automatic conversion into DNotes being instantly added to your vault.

And keep in mind, unlike groups and businesses, families are free to open accounts as they wish without going through "due process" and loosing time and money waiting.


CRISP Board Game

kanus1113:      CRISPopoly (lol)  Similar to monopoly, except the objective is... Once the 'exchange' runs out of DNotes, you win the game if you saved the most.  It's a work in progress lol, but you get the picture.

infovortice2013: CRISPers 4 Dnotes

BoscoBlue:     How about Digital Life. A spin on the game of life that is all digital and allows opportunities to put money into CRISP accounts?

[TerraMaster]

Hey Dyna, I sent you a PM  just an update on things,,, whew! lol

THX
MMNC

[SmokeysGardens]

I love the direct attack on the frailties of the current prominent financial system DYNA.

I too am looking very forward to this press release!

 

Thank, TeeGee. Put in a lot of hours but well worth it. I will let you guys be the Judges tomorrow. We should be getting very good coverage for this. No big post today. I should have a little more time tomorrow.

     I was honored to read the outgoing press release. It is a VERY GOOD and well written assessment of teh current situation. Way to go Dyna!!

Smokey

[Dyna]

Hey Dyna, I sent you a PM  just an update on things,,, whew! lol

THX
MMNC

"I am - MinermanNC, My Hero acct. was stolen. PM me"

We are sorry to learn that you are still struggling to get your Hero acct. back. We will do every thing possible to assist you.

[grandmama]

Hey Dyna, I sent you a PM  just an update on things,,, whew! lol

THX
MMNC

"I am - MinermanNC, My Hero acct. was stolen. PM me"

We are sorry to learn that you are still struggling to get your Hero acct. back. We will do every thing possible to assist you.

Certainly hope you can get your acct back.  Such a shame people have to be crooks at every corner. 

[IMZ]

"Managers that do know of it are reluctant to incorporate in portfolios either because their investors don't understand or trust it or, the old standby, it's too volatile."

Also . . . certainly (we canvassed 25 Australian financial institutions in our survey on this) the regulatory environment is hostile, which hostility extends to their being no regulation!

"verb:CRISP, past tense:CRISPed, present participle:CRISPing" Phrasal verb: crisp up: 'to gleefully own large amounts of CRISP,' as in 'Wow! I'm CRISPed right up at this point!"


Mark (IndiaMikeZulu), Australia

[grandmama]

I belong to the CRISPy Critters team... and am an animal when is comes to DNotes.   

[Dyna]

This is one of the most favorable articles from Wall Street I have read:

“part of a technology "megatrend" that could change the fundamental mechanics of transactions”

….”disruption of the $1.2tn global payments industry will be also be driven by converging trends in regulation, global demographics and the rise of markets outside the United States.” ………

The report says:
"Innovations in network technology and cryptography could change the speed and mechanics of moving money."

"Given the low transaction fees associated with ... virtual currencies, there is potential for significant dislocation in the profit pools associated with money transfer."  ………………….

**************************

Goldman Sachs Report Says Bitcoin Could Shape 'Future of Finance

Joon Ian Wong (@joonian) | Published on March 11, 2015 at 15:52 GMT
Coindesk

Bitcoin and cryptocurrencies are part of a technology "megatrend" that could change the fundamental mechanics of transactions, according to a new report from Goldman Sachs' equity research analysts.
Bitcoin, along with improved payment security, 'big data' analytics and faster payment networks are the components of a technology trend that will disrupt the payments ecosystem, the report says.
The disruption of the $1.2tn global payments industry will be also be driven by converging trends in regulation, global demographics and the rise of markets outside the United States.

The report says:
"Innovations in network technology and cryptography could change the speed and mechanics of moving money."

Bitcoin will change consumer payments
The report, published yesterday, is titled The Future of Finance: Redefining The Way We Pay in the Next Decade. It's written by James Schneider and SK Prasad Borra, payments analysts at the bank's research division.

It comes as the second in a series that has already featured the rise of

Read more:

http://www.coindesk.com/goldman-sachs-report-says-bitcoin-could-shape-future-of-finance/