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

[wiser]

In 2007 I started helping a struggling small business owner to diversify his seasonal heating business to include a second seasonal business to even out cash flow. That gave birth to Smokeys Daylily Gardens, one of the largest Daylily growers in the world today. Our web developer and internet guru, whom I have been working with closely for many years introduced me to Bitcoin in November 2013. When I finally decided to do some serious research, I could not stop thinking that we finally have all the needed parts to help alleviate some significant global problems that had not been possible before.

So... you first heard about Bitcoin in November 2013, and launched DNotes in February 2014. Of course you went into it with plenty of computer and entrepreneurial experience, but even so, that was some serious cramming. Three months is a very short time to study and absorb it all, then turn around and improve on the concept. I'm seriously impressed

[digitsu]

I don't see what DNotes brings to the table that Bitcoin doesn't.  I admit I have not read through the 200 pages of forum post here.  But I did read the first couple and all I saw was a bunch of marketing statements without any technical explanation.  For one, how do you plan on effecting price stability?  Why do you think that DNotes can deliver where the bitcoin core developers and community can't?  Why is Dnotes insta-mined and who were the initial miners?  How is CRISP going to help students pay for their fees? Did you convince a school to accept them as a money-substitute?

[RJF]

I don't see what DNotes brings to the table that Bitcoin doesn't.  I admit I have not read through the 200 pages of forum post here.  But I did read the first couple and all I saw was a bunch of marketing statements without any technical explanation.  For one, how do you plan on effecting price stability?  Why do you think that DNotes can deliver where the bitcoin core developers and community can't?  Why is Dnotes insta-mined and who were the initial miners?  How is CRISP going to help students pay for their fees? Did you convince a school to accept them as a money-substitute?

First, Welcome to the DNotes Forum!

I know you said you did not read more than the first couple of pages which will not give you a very comprehensive overview of DNotes or it's developers. I strongly suggest you read the last 20 or so pages to answer ALL your questions. It's always good to see new people in the forum but please, come with an open mind so you can learn about us and our position without prejudice. And with that said, I will leave your questions to those most capable of answering them and wish you well...
 

[wiser]

I don't see what DNotes brings to the table that Bitcoin doesn't.  I admit I have not read through the 200 pages of forum post here.  But I did read the first couple and all I saw was a bunch of marketing statements without any technical explanation.  For one, how do you plan on effecting price stability?  Why do you think that DNotes can deliver where the bitcoin core developers and community can't?  Why is Dnotes insta-mined and who were the initial miners?  How is CRISP going to help students pay for their fees? Did you convince a school to accept them as a money-substitute?

Welcome to the forum, and welcome to the DNotes thread

I can speak to the price stability. At first I was skeptical. After one year DNotes has a track record of being the most stable cryptocoin. Just as founder Alan Yong set out to do, DNotes has held a stable value which has trended upwards over time. A year ago, it was a dream. Today, it's a fact. I'm not on the DNotes development team, but I do have my own theories about why DNotes has been such a stable coin. The article I linked to will also give you a sense of what's behind DNotes from an observer/investor's perspective. I'm sure the DNotes team will weigh in before long.

[infovortice2013]

I don't see what DNotes brings to the table that Bitcoin doesn't.  I admit I have not read through the 200 pages of forum post here.  But I did read the first couple and all I saw was a bunch of marketing statements without any technical explanation.  For one, how do you plan on effecting price stability?  Why do you think that DNotes can deliver where the bitcoin core developers and community can't?  Why is Dnotes insta-mined and who were the initial miners?  How is CRISP going to help students pay for their fees? Did you convince a school to accept them as a money-substitute?

welcome to Dnotes forum !

Let me tell you some differences between btc and notes

Technical : Dnotes run faster transactions 10 seconds not 10 minutes like bitcoin, use scrypt algo with anti multipools patch this mean mercenaries of multipools not take profits there and Dnotes not hited by his dumps in price. Same algo give anual 5% less blockreward, in btc or ltc is called halving because make 50% less block reward what usally produce a pump in price. You can see Algo is oriented to give stable value to currency.

Targets : Bitcoin is freedom and DNotes is directed, nobody knows who create bitcoin you can see Alan yong is one of Dnotes creators, this not only gives a public face to currency, also give some honorable objetives by guides of the team that has created, like charity or help unbanked people. Since DNotes have a dedicated team working in it with some clear targets, DNotesVault (to make accesible DNotes wallet to everybody with internet )was created, and later CRISP saving plans arrived (give a chance to unbanked to bet for some future economic health, for retirement for studies ect..).

Public : If you have time to read some of the 200 pages of DNotes post, you can see easyly that comunity arround DNotes proyect is different than the rest out there, maybe you miss the trolls here, but can find a group of people colaborating to give value to something they belive everybody share ideas and make what is in his posibilities. Another curios thing on DNotes post/community you can see the number of views to the post actually more than 250.000 views, this maybe means DNotes have big and silent comunity behind.

Sorry for my English, just need to tell you something sure isnt all

ah instamined days i was in, lot of people mine it maybe they do that to call atention from miners in days that dayly launches of scam coins was the norm. And they catch sucess for good spread initial coins Some people dont understand this, without a healty comunity no one coin has future.

[TeeGee]

I don't see what DNotes brings to the table that Bitcoin doesn't.  I admit I have not read through the 200 pages of forum post here.  But I did read the first couple and all I saw was a bunch of marketing statements without any technical explanation.  For one, how do you plan on effecting price stability?  Why do you think that DNotes can deliver where the bitcoin core developers and community can't?  Why is Dnotes insta-mined and who were the initial miners?  How is CRISP going to help students pay for their fees? Did you convince a school to accept them as a money-substitute?

Welcome to the forum, and welcome to the DNotes thread

I can speak to the price stability. At first I was skeptical. After one year DNotes has a track record of being the most stable cryptocoin. Just as founder Alan Yong set out to do, DNotes has held a stable value which has trended upwards over time. A year ago, it was a dream. Today, it's a fact. I'm not on the DNotes development team, but I do have my own theories about why DNotes has been such a stable coin. The article I linked to will also give you a sense of what's behind DNotes from an observer/investor's perspective. I'm sure the DNotes team will weigh in before long.

That's a really well written piece Wiser. I enjoyed it, and have put it forward to a couple of friends for reading. Unfortunately Facebook considers .cu.cc links to be unsafe to share, even in private messages.

[DNotes]

I don't see what DNotes brings to the table that Bitcoin doesn't.  I admit I have not read through the 200 pages of forum post here.  But I did read the first couple and all I saw was a bunch of marketing statements without any technical explanation.  For one, how do you plan on effecting price stability?  Why do you think that DNotes can deliver where the bitcoin core developers and community can't?  Why is Dnotes insta-mined and who were the initial miners?  How is CRISP going to help students pay for their fees? Did you convince a school to accept them as a money-substitute?

Welcome to the DNotes forum digitalsu!

Good questions, as RJF has mentioned there is a lot behind the answers. We run DNotes as a business.

I will start with price stability. We have created reasons and methods to save your DNotes and become a long term stake holder, like the existing price stability and growth reaching higher highs and higher lows, the CRISP programs, including the interest bearing retirement program. Promoting DNotes as a long term investment and actively seeking new stake holders with the interest of making DNotes successful. Making it easy to save and store your DNotes using the DNotesVault. Creating highly scalable platforms like the DNotesVault and CryptoMoms that will become profit bearing companies where DNotes will have 25% ownership, and eventually expanding into new profit companies owned partially by DNotes. Breading an environment where everyone working together to reach our combined goals rather than individually taking out of individual greed.

There is more to price stability than just what I have mentioned. It's difficult for me to explain, but a powerful system is the sum of many parts working in symmetry. People tend to isolate 1 thing and focus on it, but the reality is any well built system has many fine tuned parts.

That is my unedited, unfiltered response to one of your questions. I may have time to answer more later today. With that I leave you with TeeGee's post below.

I really enjoyed reading this post. Getting more people to understand crypto will be a massive under-taking.

I remember back in about June or July 2014, I contacted DYNA and wrote a massive letter discussing my personal views on Digital Currency, and what my experiences were in terms of getting other people to share the passion I had for it, and explain the difference between demographics that took 'less effort' to get on board. It was my view at the time, that people who were sceptical of government involvement in monetary systems and had a natural propensity to prefer 'smaller government' with less control over their lives were much easier to bring forward to participate in crypto - the more they heard about the decentralised nature of the system, the more excited they got. It was my thought at the time, that if DNotes could win over the lions share of the existing Digital Currency market + that of people who were sceptical of government intentions and market mis-management, that such a position would become the perfect launchpad to push DNotes into the mainstream. DNotes would already be the pre-eminent Digital Currency, but in a small, 'niche' market - it's dominant status in the crypto community would mean the difficult task of expanding into the mainstream would begin without much in the way of worry from competitors.

Now I don't think my strategy was faulty by any means. I had formed it based on personal experiences with what 'types' of people were easy to bring to the crypto family, and those who weren't. I do however, think that I made an error in scope - I thought the task of immediately promoting to the mainstream user of money was too difficult, technical, costly and risky. I was very aware of the happenings in the crypto markets, and saw that no other crypto but 'Bitcoin' were pushing for mainstream adoption, and this push was coming from 'third party' businesses that were operating on the Bitcoin network, but could easily switch to any other coin that defeated BTC. Seeing this, I think I reasonably decided that every other player had analysed the 'cost-risk-benefit' ratio and decided against mainstream advertising. Every crypto had essentially limited their userbase to a 'niche' market, hoping that success in the industry would bring it to the mainstream in the future.

DNotes Difference

Many here will already know that DYNA specialises in strategy, and takes on the 'strategist' role for DNotes. DYNA espouses a mantra of 'doing what others are not prepared to do' and 'moving strategically at the most opportune time'. No doubt, DYNA thinks that mainstream adoption is possible now, and is one of the few (along with his core co-founding team - DNotes and Smokey) prepared to get the job done. At the point of my initial 'hello' e-mail to DYNA, I did not know much about him but for his adventures in the market that is mobile computing.

One thing quickly became apparent about the error in presumptions I had made about mainstream adoption - no other Digital Currency had effective or successful 'strategists' or strategies behind them. Most Digital Currencies are launched by computer experts who want to 'make a dollar', professors trying to realise an 'improvement' they saw potential in, or jokers who thought 'meme' coins like Dogecoin et al were a great digital 'content type'. People looked at Bitcoin's success and thought - 'Oh!? Well why not I give that a go too and see what happens?.' It shouldn't really be any surprise then, that no other Digital Currency seems to have moved in the same direction that DNotes has. DNotes also has an active community of contributors who have been the brainchild of many of DNotes projects - Chase for example thought up both Cryptomoms AND CRISP's! These contributors haven't only thought up ideas, but have supported the programs with their time and full effort. Cryptomoms is managed by Chase and Grandmama, and the CRISP programs by (past and present) Chase, RJF, TeeGee, Malfort and Cryptobroker (who also just released a really cool educational app). DNotes then has a community of active forum users who provide high quality, throught provoking thoughts that educate readers, and a warm friendly environment to discuss industry ideas. It is this community background, that has brought over analytical thinkers from other crypto networks to come participate like IMZ, transcending community barriers.

DNotes first realised that female participation was too low in crypto as frequently highlighted by forum contributor Chase, and moved to create cryptomoms. The team knew that complex public user ID codes like "3J98t1WpEZ73CNmQviecrnyiWrnqRhWNLy" were far too complex, annoying, unsafe, and prone to error - with slow processing times thanks to a bloated blockchain to send digital currency to on a computer wallet or online 'wallet'. The creation of DNotesVault meant the simplification of crypto to the level that anybody who can use e-mail can send it without worry of copy and pasting long hash codes, or making a mistake. It meant that your Ditial Currency is safe in an online vault with a 100% deposit guarantee. It meant that money can be transferred instantly and securely on the Vault system without having to process through the blockchain, which means payment processors in the future could use the service to instantly receive payments without waiting for blockchain confirmations. It meant the development team was advertising itself as the solution to an otherwise unsecure and untrusted environment. It meant that DNotes was going to target the mainstream now, not wait years for somebody else to do it.

Our resident forum 'cryptomom' Chase (Seriously, I hope you're a mom after this!)  DNotes launched CRISP, a series of Cryptocurrency Investment Saving Plans that focussed on the functions of, and how people actually used money. This strategy meant that the infrastructure would be in place for Digital Currency users to have a functional value to their DNotes for transactional use, investment and savings - rather than just have them for the sake of 'hold and hoping'. This strategy ensured that every demographic, whether it be young or old, student or retiree, poor or wealthy had an opportunity to get involved now and reap the future rewards because the CRISP programs applied to everybody. DNotes is pumping out press releases into mainstream media outlets regularly to inform everyday people about the 'everyday' financial services and products they either currently, or will in the future offer their stakeholders. 99% of the world that use money do not even know what Bitcoin is, and those who do tend to pay attention to financial markets or be tech enthusiasts. These 'mainstream' money users are quickly going to recognise DNotes as the only Digital Currency with a trackrecord of stability to make a viable currency used for payments. DNotes is positioning itself into the mainstream now, and no other Digital Currency is establishing itself as a competitor. Forgive me for being bullish, but I think DNotes will 'dominate' quickly and be in a position that it will fast become in a market position so far ahead of the competition, it will be difficult for any competitor to reach as a result of these strategies.

DYNA's strategy was different to mine, in that he knew that mainstream adoption could be achieved now. Nobody else is prepared to, or has the skills necessary to do what DNotes is currently doing. DYNA said himself that he didn't think he would be able to create winning strategies to accomplish the end goals he has for DNotes 20 years ago when he was founding CEO of Dauphin Technology - the company that created the first tablet computer, best known for winning a $400m contract with the pentagon, and later a $150m manufacturing contract with IBM. Tech visionaries see potential in markets early before everybody else does. DYNA did this at Dauphin, then again at Smokey's Garden's with our resident Smokey (probably worlds largest flower grower, with over 5 million plants!). Smokey, who co-owns Smokey's Gardens with Dyna recently said,

"This reminds me of our Daylily business. We are so far ahead of the competition that we could write a book on it, invite them to our operation, SHOW them how we do it, and they still could not match us. Part of this is because most others would not put in 100 hours a week (not just working, working our ASS OFF) for weeks on end when needed (like we did). Part of this is because most others, after working 12 or 14 hours, would not discuss strategy and plan for world domination of the Daylily World until midnight (like we did). MOST of it was in the planning. If you do not plan for it, it WILL NOT HAPPEN."

Working 100 hour weeks is tough, in fact... I've never even worked a 100 hour week. When I was a full time Chef, I worked long hours - normally 65-75, but regularly over 80, and sometimes over 90. I did these hours because I had a 'responsibility' to my employer (well, ya know... I was the only person who was available do the work at the time), but that was definitely not the way I would have chosen to spend my week. DYNA and Smokey were working 100 hour weeks voluntarily!!! These men were doing exactly what they wanted - planning their business to succeed. Planning to win. When people have a 'passion' for something the way DYNA has stated he has for Digital Currency on these forums, the effort he puts into DNotes doesn't even feel like 'work' anymore. When people are passionate about something, they will often spend their time doing whatever activity it is without remuneration. Passionate people, combined with winning strategies can achieve anything.

DYNA is very busy now working tirelessly behind the scenes to get DNotes flying and is now struggling to find time to participate at the forums (but does anyway), DNotes (the user) is always silently creating infrastructure behind the scenes, many community members are silently chipping away at various projects. Let us see how it all pans out.

[Dyna]

I don't see what DNotes brings to the table that Bitcoin doesn't.  I admit I have not read through the 200 pages of forum post here.  But I did read the first couple and all I saw was a bunch of marketing statements without any technical explanation.  For one, how do you plan on effecting price stability?  Why do you think that DNotes can deliver where the bitcoin core developers and community can't?  Why is Dnotes insta-mined and who were the initial miners?  How is CRISP going to help students pay for their fees? Did you convince a school to accept them as a money-substitute?

Good morning, digitsu. Welcome to DNotes Bitcointalk forum. I noticed that this is only the second time you participated in Bitcointalk forum. You have certainly started off at the right place. Despite my busy schedule I will try and answer some of your questions, in addition to other comments from our community, whom I am extremely proud of.  I am sure others will be delighted to assist you further. This is a very friendly and helpfully community and a source of my inspiration. We are also very knowledgeable of our industry and strongly committed to do everything we can for the mutual benefits of everyone, often time before ourselves.

From the way you structured your questions, I got the impression that you are most likely someone with a financial/accounting/business background.


1) I don't see what DNotes brings to the table that Bitcoin doesn't.  I admit I have not read through the 200 pages of forum post here.  But I did read the first couple and all I saw was a bunch of marketing statements without any technical explanation.

Very detail and complete answers are indeed found in our 285 pages of forum posts, in many cases, repeat over a few times. From the technology prospective we have added nothing of material significant to the currency or Blockchain side of the technology though there are some interesting added features. Creating a new currency using Bitcoin open source is easier and cheaper than inviting and cooking a decent meal for weekend party of fifty. It cost some money and takes an effort but any who wants to can do that. Being too easy turned out to be a painful and costly problem. Perhaps as many as two thousand coins have been created and about 500 are still being traded. Check out as many of them as you can. It is a required lesson if you want to be a serious investor.

Aren’t there other coins that have more technologies, features, and innovations than DNotes.

Absolutely. At this point, we are not competing for technology. We are competing for mindshare. We are creating a trust worthy stable digital currency for everyone not just for the nerds or limiting our exposure to our industry. And don’t forget to visit DNotesVault. The innovations and technologies of DNotesVault are quite remarkable and invaluable from a pure economics standpoint. If you ever get to the point of a complete understanding of all our moving parts you will gain a better understanding of DNotes true value. We are much more than Bitcoin as a currency and the Blockchain as a technology. And we are just getting started.  

For one, how do you plan on effecting price stability?

Here is my partial answer. Digital currency’s stability is immensely challenging if not near impossible to achieve, and without acceptable stability relatively to fiat currency, the near zero transaction cost is quite meaningless. No matter how we spin it, the true savings in using Bitcoin as a medium of exchange today is not persuasive and may explain why Bitcoin is having a hard time gaining mass acceptance. This is why until we are ready it is self defeating to push DNotes as a medium of exchange.

DNotes’ stability is the result of many different factors which I never have enough time or space to list. Here are just a few of them. Central to its success is; collectively a majority of DNotes stakeholders share a common mindset of a long term commitment to protect and promote DNotes, based on the belief that as a group our ultimate accomplishment will be significantly more valuable than any single individual can accomplish. DNotes has never experienced a single pump that could have drastically increased the price of DNotes to an unsustainable level. DNotes projects are privately funded by a small number of stakeholders and we do not ask for any donation from our community. This enables projects to be kept under the radar until it is ready for launch. The unknowns essentially have kept DNotes undervalued, allowing its community to continue to acquire DNotes for long term investment, without the fear of over paying for it. DNotesVault along with its family of CRISP with over 13 million DNotes on Deposit is another factor.

The next phase when fully implemented will provide even more stability. In the coming months, one or more companies will be incorporated to become the legal owners of DNotes ecosystem. This new company will be loaded with a basket of value including 10 million DNotes contributed by a few major stakeholders who purchased every single DNotes through the exchange. Up to 25% of the company will be owned by DNotes the currency. One of its first major projects is to develop a world class regulated exchange. It has a plan to raise significant funds through various rounds, including crowdfunding to support anticipated rapid growth path.

Why do you think that DNotes can deliver where the Bitcoin core developers and community can't?

Up to this point and over the near future Bitcoin core developers and the industry will deliver substantially more technologies and innovations than any single coin is capable of achieving, and being open source will be made available to everyone. At this point we owe the industry and we are very appreciative of their contribution. Once DNotes achieved a certain level of success, it is our plan to be a significant contributor to the open source. DNotes is very systematic and practical. Being very strategic and only executing at the most opportune time are among strengths. We follow at the appropriate time and lead at the most opportune time.

Why is Dnotes insta-mined and who were the initial miners?

One of our objectives was shared-stake concept based on the philosophy that DNotes was created for everyone and not just the privileged few. The recipient of DNotes may want to comment on this. We have made huge and repeated efforts to give away DNotes to as many people as possible. We still have a small amount left and being given away. Anyone, signing up for CRISP For Students will receive 500 DNotes without having to pay for it. I do not own a single DNotes that I did not pay for and have personally given away over 2 million DNotes that I have paid with my own money and I am just a hard working average wage earner living on limited income. That is among the main reason I am so passionate to make DNotes a big success so that many can gain some financial freedom.


How is CRISP going to help students pay for their fees? Did you convince a school to accept them as a money-substitute?

CRISP For Students is a newly launched project that is still in pilot stage. I have been in communication with hundreds of students and other faculty members around the world. There is a very strong interest being expressed. We are expecting a slow ramp up starting this fall. Our major campaign will begin early next with significant funding and support stuff.

CRISP For Student is not a total handout. It will be a bad training, if it is. I personally worked very hard for whatever little I have. The program is intended to give interested students a head start. Any student signing up for CRISP For Students at DNotesVault today will receive 500 DNotes without having to pay for it. This gives them the experience of owning digital currency hopefully leading them to develop a good savings habit and be more proactive in addressing their student loan debts before they come due. Since DNotes is still at its infancy, there is the potential of significant capital appreciation that can turn out to be of enormous help. We also have planed to use this program as a conduit to scholarship funds and other financial aids.

Wow. I didn’t realize that I just burnt up two hours answering a few simple questions, but they are very important. Hopefully the answers have been helpful. If you have additional questions, please ask the one or two at a time and our community should be able to assist you. I normally have very little time available to support the forum, though that is what I enjoy doing. Again welcome to our community and looking forward to seeing you often.

[DNotes]

C.A.T. (CryptoCurrency Automatic Trader) - Now Accepts DNotes!
https://bitcointalk.org/index.php?topic=507103

[Dyna]

Here is a sneak peek of my daily work load. I received over 50 non spam emails a day of which about 40% are requests for linkedIn connections. These include people of many disciplines, power and wealth. They are students, faculty members, business owners, CEOs of major corporations, authors, economists, investors, Venture Capital firms, reporters and editors (80% of mainstream media) and bankers among many more. This is clearly an indication of huge interest in DNotes and a very strong indication of DNotes future success. Many will continue to be skeptical of DNotes but that is an inherent human nature we can not change. Some will benefit from DNotes' success others will miss out and come back in the future to wonder how they could have missed something so obvious. I can only do so much to share with you some early signals, but its your money. I do not make investment call; not even for my own family.

Here is a sample of an email I just responded to: (only the name of the person has been removed for privacy reasons):

"Hi Alan,

I’d like to connect with you on LinkedIn".

Director at Deutsche Bank, Fixed Income Trading
Greater New York City Area
Capital Markets


Subject: DNotes

Hi  (    ),

I am delighted to accept your request to be included in my LinkedIn connections. Feel free to contact me if you have any questions or how I can be helpful to Deutsche Bank in gaining a better understanding of using DNotes as a significant competitive advantage.

I am deeply involved in digital currency with an aggressive growth path, in part, fueled by our own ecosystem. You may Google “DNotes Alan Yong” to learn more about my involvement.

Both DNotes and CryptoMoms were started over a year ago and have gained great respect and admiration from our industry. DNotes is the most stable digital currency among over 500 coins. CryptoMoms has a worthy mission to encourage and assist women to participate in the digital currency world dominated by men. DNotesVault is a secure and easy to use web wallet, with 100% deposit guarantee that is verifiable to be always in excess of the total amount on deposit, and stored in cold storage at different locations. Its family of CRISPs (Cryptocurrency Investment Savings Plan) is designed for everyone worldwide; from the unborn to the most senior, from the poor to the super rich
to participate with the opportunity to benefit from potential high returns, albeit high risk.

Our strategic plans and execution can best be characterized as highly scalable building blocks, positioned for rapid global adoption at the most opportune time. Compared to the rest of the industry, DNotes is uniquely different, both in substance and in style. It is built for mass acceptance, with every attempt to progressively make it as frictionless and user friendly as fiat currency, while exploiting many superior capabilities that only digital currency and the Blockchain technology can deliver.

As a start, the best thing you can do for us is to visit our forum, introduce yourself and let us know how we can be helpful. Together we can build a trustworthy global digital currency for everyone and not just the privileged few. Once accomplished we can then engage the top 2% and other international organizations to join force with us and help alleviate some of the global problems confronting our world today, including the 2.5 billion unbanked. DNotes Forum:  https://bitcointalk.org/index.php?topic=470155.msg11239121#msg11239121

CryptoMoms Forum: http://cryptomoms.com/forum/index.php?action=recent

Feel free to contact me if you have any questions or like to participate in our efforts to promote mass acceptance of digital currency. For your convenience I have provided some links below.

Best Regards,

Alan Yong

http://themanwiththecap.blogspot.com/2015/05/interview-alan-yong-of-dnotes.html
http://www.thestreet.com/story/13144131/1/smokeys-daylily-gardens-accepts-chicagos-digital-currency-dnotes-and-bitcoin-for-daylily-purchases.html
https://www.cryptocoinsnews.com/crypto-moms-year-crypto-gender-equality/
http://www.bloomberg.com/research/markets/news/article.asp?docKey=600-201504161027PR_NEWS_USPRX____NY82016-1
http://research.tdwaterhouse.ca/research/public/Markets/NewsArticle/100-090p1384-1
http://finance.yahoo.com/news/digital-currency-student-debt-solutions-094800790.html
https://bitcointalk.org/index.php?topic=470155.msg10411355#msg10411355
http://cryptomoms.com/forum/index.php?action=recent
http://finance.yahoo.com/news/bitcoin-alternative-dnotes-celebrates-one-100000522.html
http://finance.yahoo.com/news/stable-bitcoin-alternative-dnotes-launches-022500001.html
https://bitcoinmagazine.com/18908/dnotes-cryptocurrency-savings-plans-children-first-many-unprecedented-digital-currency-savings-instruments-sponsored-dnotesvault/
https://coinreport.net/cryptomoms-increase-female-involvement/
http://articles.chicagotribune.com/1993-05-20/business/9305200013_1_pen-based-dauphin-technology-risc-system

[wiser]

That's a really well written piece Wiser. I enjoyed it, and have put it forward to a couple of friends for reading. Unfortunately Facebook considers .cu.cc links to be unsafe to share, even in private messages.

Thanks for the kind words, TeeGee. Yes. dot cu dot cc domains are free, but there is a price in that Facebook doesn't trust them. I reproduced it on the CryptoMoms forum so you can have a link to share it on Facebook.

[infovortice2013]

C.A.T. (CryptoCurrency Automatic Trader) - Now Accepts DNotes!
https://bitcointalk.org/index.php?topic=507103

mmm should be good a how to use guide i not have idea of how to use this, but like that one men say on polo, HEY i like to win money too when im out of my PC !!

Amazing mails Dyna  hot linkedIn conections

[Dyna]

C.A.T. (CryptoCurrency Automatic Trader) - Now Accepts DNotes!
https://bitcointalk.org/index.php?topic=507103

mmm should be good a how to use guide i not have idea of how to use this, but like that one men say on polo, HEY i like to win money too when im out of my PC !!

Amazing mails Dyna  hot linkedIn conections

Thanks, infovotice2013. Thanks for been a very strong supporter. I know that you have been trying very hard to support this community despite some limitations with your English. I got over that struggle and hardly have time to even edit my work any more. I just keep typing with three fingers like I am  talking to my best friends. Thanks again. Take care.

[RJF]

C.A.T. (CryptoCurrency Automatic Trader) - Now Accepts DNotes!
https://bitcointalk.org/index.php?topic=507103

Looks like an arbitrage engine. Anybody out there trying this?

[DNotes]

C.A.T. (CryptoCurrency Automatic Trader) - Now Accepts DNotes!
https://bitcointalk.org/index.php?topic=507103

Looks like an arbitrage engine. Anybody out there trying this?

Can't say I've used it but appears he has a few interesting features.

[DNotes]

Update in the New York BitLicense saga.

New York Soon to Unveil Fresh Bitcoin Licensing Rules

Before leaving office, regulator Benjamin Lawsky seeks to protect consumers while preserving freedom for developers

In one of his final moves as New York’s top financial regulator, Benjamin M. Lawsky will soon unveil a set of new licensing rules that could have long-lasting effects on businesses using bitcoin and other virtual currencies.

In doing so, bitcoin advocates fear Mr. Lawsky will cement his reputation for taking tough stands against the financial industry.

Mr. Lawsky, in an interview with The Wall Street Journal, said those fears are overblown and that his goal for the so-called BitLicense is to find the appropriate balance between protecting consumers and carving out enough freedom for developers to build new products with what he has called this “promising technology.”

Mr. Lawsky said on Wednesday that he will depart the New York Department of Financial Services in June to form a consulting business that will include virtual-currency advisory services.

The pending launch of the BitLicense comes amid a backdrop in which an increasing number of Wall Street institutions are exploring ways to adopt the blockchain ledger technology that runs bitcoin and other virtual currencies.

Some people in the nascent industry worry Mr. Lawsky’s rules, likely to be released next week, could hinder innovation among small tech start-ups with limited resources.

In the interview, which took place before Wednesday’s announcement of his resignation, Mr. Lawsky said the most-recent draft of the BitLicense already provided sufficient exemptions and protections for software developers.

“There is nothing worse for a business person than not having clarity, so we intend to be as clear as possible,” Mr. Lawsky said. “If it’s not clear enough, we will give examples. And if it’s still not clear enough, we will give more examples.”

Mr. Lawsky plans to stay at the agency until late June. An NYDFS spokesman said details of the license wouldn’t be affected by Mr. Lawsky’s departure.

Last month, leaders from some of the biggest bitcoin companies, investment firms and advocacy groups gathered in New York to hash out a list of concerns and draw the NYDFS’s attention to them.

Their concerns are amplified by expectations that this first-of-a-kind license will be a template for other states. Some state regulators are already applying existing money transmitter rules to virtual-currency businesses but many are expected to follow the lead of the country’s most important financial hub and set specific new rules for the sector.

Still, some industry leaders argue that New York risks “becoming the bitcoin backwater of the U.S.,” as MIT Digital Currency Initiative Director Brian Forde put it in a blog post that summed up the New York meeting’s recommendations.

In making such criticisms, bitcoin business leaders “are fighting for the rights of companies that do not yet exist,” said Fred Ehrsam, a co-founder of bitcoin exchange and consumer service provider Coinbase, who organized the New York meeting. He argues that the established bitcoin industry, including well-funded firms like his, benefits if startups are free to continue the sector’s hectic pace of innovation.

During the New York meeting, Mr. Ehrsam estimated it would cost Coinbase $2 million to fulfill all its licensing requirements around the country. In response, Fred Wilson, a partner at New York-based Union Partners, described such costs as a huge barrier to entry that encouraged venture-capital firms like his to concentrate on established players that were already well down that compliance path.

Bitcoin advocates were happy when a second BitLicense draft that was released in February rolled back stricter regulatory constraints contained in the first draft published in July. However, they continued to harbor specific concerns.

The bitcoin business leaders complained that the BitLicense’s anti-money-laundering provisions, as written in the February draft, could unfairly apply to all developers of so-called wallets, which are software applications that give people direct control over their bitcoins, whereas controls should only be imposed on those services with custody of customers’ bitcoins and dollars. The group also said the draft’s rule requiring NYDFS approval of updates to a provider’s software was impractical in an industry that makes product changes weekly.

Mr. Lawsky said such concerns were misplaced. “We make it crystal clear that we are not going to regulate software providers or software creators or people doing code. The MIT student has nothing to worry about,” he said. “We are only regulating financial intermediaries.”

On software updates, he said, “We have no interest if they make an update to their code in having them every time get approval for that. It is about when you’re fundamentally changing what you are doing in a material way.”

Mr. Lawsky also played down industry concerns that the rules would require some providers to apply for both a traditional money-transmission license and a new BitLicense. Describing this as a quirk of New York law, he said “you will be able to file just one application for both and you will be able to cross-satisfy so that even in those duplication cases you don’t have to do the paperwork twice.”

He also vowed to work with other states so that prior NYDFS approval of shareholder structure changes and other reporting requirements could help expedite approvals in those jurisdictions. “We have done a lot of work and hopefully we will be able to have some influence” over other state regulators, Mr. Lawsky said.

The BitLicense comes as interest grows on Wall Street in new applications for virtual currencies’ blockchain ledger technology. In the past month, Goldman Sachs Group Inc. invested in bitcoin consumer services company Circle Internet Financial, Nasdaq OMX Group announced a test of a new securities transfer system that would exploit the bitcoin blockchain’s real-time settlement capability and the New York Stock Exchange launched a new bitcoin price index.

Source: http://www.wsj.com/articles/new-york-soon-to-unveil-fresh-bitcoin-licensing-rules-1432231438

[Dyna]

Update in the New York BitLicense saga.

New York Soon to Unveil Fresh Bitcoin Licensing Rules

Before leaving office, regulator Benjamin Lawsky seeks to protect consumers while preserving freedom for developers

In one of his final moves as New York’s top financial regulator, Benjamin M. Lawsky will soon unveil a set of new licensing rules that could have long-lasting effects on businesses using bitcoin and other virtual currencies.

In doing so, bitcoin advocates fear Mr. Lawsky will cement his reputation for taking tough stands against the financial industry.

Mr. Lawsky, in an interview with The Wall Street Journal, said those fears are overblown and that his goal for the so-called BitLicense is to find the appropriate balance between protecting consumers and carving out enough freedom for developers to build new products with what he has called this “promising technology.”

Mr. Lawsky said on Wednesday that he will depart the New York Department of Financial Services in June to form a consulting business that will include virtual-currency advisory services.

The pending launch of the BitLicense comes amid a backdrop in which an increasing number of Wall Street institutions are exploring ways to adopt the blockchain ledger technology that runs bitcoin and other virtual currencies.

Some people in the nascent industry worry Mr. Lawsky’s rules, likely to be released next week, could hinder innovation among small tech start-ups with limited resources.

In the interview, which took place before Wednesday’s announcement of his resignation, Mr. Lawsky said the most-recent draft of the BitLicense already provided sufficient exemptions and protections for software developers.

“There is nothing worse for a business person than not having clarity, so we intend to be as clear as possible,” Mr. Lawsky said. “If it’s not clear enough, we will give examples. And if it’s still not clear enough, we will give more examples.”

Mr. Lawsky plans to stay at the agency until late June. An NYDFS spokesman said details of the license wouldn’t be affected by Mr. Lawsky’s departure.

Last month, leaders from some of the biggest bitcoin companies, investment firms and advocacy groups gathered in New York to hash out a list of concerns and draw the NYDFS’s attention to them.

Their concerns are amplified by expectations that this first-of-a-kind license will be a template for other states. Some state regulators are already applying existing money transmitter rules to virtual-currency businesses but many are expected to follow the lead of the country’s most important financial hub and set specific new rules for the sector.

Still, some industry leaders argue that New York risks “becoming the bitcoin backwater of the U.S.,” as MIT Digital Currency Initiative Director Brian Forde put it in a blog post that summed up the New York meeting’s recommendations.

In making such criticisms, bitcoin business leaders “are fighting for the rights of companies that do not yet exist,” said Fred Ehrsam, a co-founder of bitcoin exchange and consumer service provider Coinbase, who organized the New York meeting. He argues that the established bitcoin industry, including well-funded firms like his, benefits if startups are free to continue the sector’s hectic pace of innovation.

During the New York meeting, Mr. Ehrsam estimated it would cost Coinbase $2 million to fulfill all its licensing requirements around the country. In response, Fred Wilson, a partner at New York-based Union Partners, described such costs as a huge barrier to entry that encouraged venture-capital firms like his to concentrate on established players that were already well down that compliance path.

Bitcoin advocates were happy when a second BitLicense draft that was released in February rolled back stricter regulatory constraints contained in the first draft published in July. However, they continued to harbor specific concerns.

The bitcoin business leaders complained that the BitLicense’s anti-money-laundering provisions, as written in the February draft, could unfairly apply to all developers of so-called wallets, which are software applications that give people direct control over their bitcoins, whereas controls should only be imposed on those services with custody of customers’ bitcoins and dollars. The group also said the draft’s rule requiring NYDFS approval of updates to a provider’s software was impractical in an industry that makes product changes weekly.

Mr. Lawsky said such concerns were misplaced. “We make it crystal clear that we are not going to regulate software providers or software creators or people doing code. The MIT student has nothing to worry about,” he said. “We are only regulating financial intermediaries.”

On software updates, he said, “We have no interest if they make an update to their code in having them every time get approval for that. It is about when you’re fundamentally changing what you are doing in a material way.”

Mr. Lawsky also played down industry concerns that the rules would require some providers to apply for both a traditional money-transmission license and a new BitLicense. Describing this as a quirk of New York law, he said “you will be able to file just one application for both and you will be able to cross-satisfy so that even in those duplication cases you don’t have to do the paperwork twice.”

He also vowed to work with other states so that prior NYDFS approval of shareholder structure changes and other reporting requirements could help expedite approvals in those jurisdictions. “We have done a lot of work and hopefully we will be able to have some influence” over other state regulators, Mr. Lawsky said.

The BitLicense comes as interest grows on Wall Street in new applications for virtual currencies’ blockchain ledger technology. In the past month, Goldman Sachs Group Inc. invested in bitcoin consumer services company Circle Internet Financial, Nasdaq OMX Group announced a test of a new securities transfer system that would exploit the bitcoin blockchain’s real-time settlement capability and the New York Stock Exchange launched a new bitcoin price index.

Source: http://www.wsj.com/articles/new-york-soon-to-unveil-fresh-bitcoin-licensing-rules-1432231438

The key words from Ben Lawsky are:

“We are only regulating financial intermediaries.”

If that holds true there is clarity.

The remaining problems are that 48 states require individual application, with a state specific license and every state has its own rules and fees as high as $5.000 per state. That is insane. Coinbase $2 million represents the money already spent with many state licenses pending, and a very high annual maintain cost thereafter. I am all for helping the small business owners and I clearly don’t see much of that.

We will be launching CRISP For Employee Benefits next week. We will do all we can to be of some help to small business owners and their employees.

[DNotes]

CRISP for Employee Incentive Benefits has launched! Press release will be issued today.

[infovortice2013]

Wellcome back !!!!  hey someone was pumping DNotes prices in polo for sell up 6k maybe reading forum before the hack wanna make easy and fast bussiness.

Some news with employment CRISP ?

CRISP for Employee Incentive Benefits has launched! Press release will be issued today.

you take advantage posting  

[DNotes]

Source: https://bitcoinmagazine.com/20608/bitcoin-alternative-dnotes-launches-worlds-first-digital-currency-employee-incentive-benefits-plan/