Background
The basic concept of money is commonly known and same as we know has happened from the simple exchange, documented at least from the Neolithic up to this date, where goods and services are exchanged. Today the concept of money is wider and deep, and the best closeness to a definition of it mother concept, is a social agreement accepted by the communities of individuals for the self-regulation of its market. What in other words results in a document value of general acceptance for the commerce. That said, as it is understandable, there could not be regulated the commercial relations for the simple generalized participation. There enter the State institutions so by representation they regulate its use and y valor, as well as the relation with other communities or states. At the beginning such relations were regulated by the communities that nowadays are states, and gave exchangeable value to their assets with other communities and defined the intrinsic value with assets coming from different communities. The current concept of money or exchange money comes related to the value of work and the contribution to the individual to the society and its retribution for its effort, what seems complex is so basic as the concept of the salary, that might be understood, as the portion of the asset received in exchange of the work to obtain it, in common terms this results very simple but in practice the individual could not survive only with the portion of the asset worked, must be exchanged for other assets. This is why an intrinsic value is especially important in the social development.
The general deficiency
This control of the entities of the State, through its leaders, puts under risk all the individual economies, because they come from a fundamental principle that is the trust in the leaders, when they nowadays do not profit from the popularity needed so that such trust is superior to the same risk of its control.
This deficiency has been already overcome since 2009 with the creation of virtual or cryptocurrencies, that escape from the government control and permit to reduce the risk. Much before this, already the traditional banking had used the electronic transactions as a support for the services rendered.
Notwithstanding the above, the money as such until what is known up to now, is still under the control of supra social organizations that do not comply exclusively with the needs of the beneficiaries, but with a very high cost for the users, affect the communities, with inflation, regulation and devaluation on one side, and complex technical requirements in the other hand.
The current solution since a decade ago is an intelligent and practical alternative to avoid the real loss of the purchase power of the people, but even now it is not established in the social basis to be multiplied and spread so that it turns into a solution more than theoretical, practice that has been performed since decades ago, today it is needed to permeate the knowledge to all the layers of the commerce so that the public in general, do not require a knowledge higher to the value of its contribution to the society to use it.
Problem
The creation of the Crypto currencies, as a practical solution to the distortions of the financial system, is not accessible to the common and current users, because it requires a deep knowledge either in the financial area or in information technology, reducing substantially their capacity of generalization, without which it is technically impossible their reevaluation and increase of benefits.
The current technologies for the participation in the market of cryptoassets is still far from the regular users of their local currencies, creating an enormous gap between that seem two worlds of financial knowledge, when the plan of generalization proposed sometimes looks far from the public in general.
The main reason in the delay of adoption of these technologies remains in their cost. It is impossible for a businessman to assume the so high cost of transaction that in some cases could reach up to twenty American dollars ($20.00). This without thinking about the purchaser that under no circumstances will assume such cost. To the above it could be added the true event that the transactions in the current applications and under the known standards know up to now in the best case could last up to 10 minutes, so that the operation in the daily life is outdated.
Extended Difficulty
The widespread emotion within the knowledgeable for the creation of the cryptocurrencies is really worthy of support, since it might be together with the associated technology of the “BlockChain”, one of the great advances of the decade. It can only be shadowed if it does not come from the current situation, where the sole knowledgeable of the product, just to give it a name, are the specialized technicians within the special areas, the technocrats of the systems of information and the knowledgeable of the stock financial market, because up to now, as a theoretical achievement it is very interesting but has not reached the common user since it does not have the technical preparation to do it. The speculative market, is already at work, idealizing at this time the uses and possible applications associated to this technology but nothing much has been achieved more through the same creation. Since there has not been a serious plan of globalization, there are requirements to be able to achieve that this is feasible and it is there that we must focus in the future.
Our solution is based on that to solve and to soften a costly space of time, to soften the gap of time, cost and utility that does not exist nowadays.
Our proposal
The simplest vision is to create a community of users and diffusers of the knowledge in the area, with the support of the technological applications for the trustful exchange of goods and services.
The reduction of costs is the key factor in the exchange operation. Today the banks through their physical, virtual and electronic tools involve a direct cost to the user of over 2%, together with the requisites of membership and limitations in the rendering of the service that only the consumption of time could cost hours of work at an undetermined cost.
Beyond the key factor in that sense that is the Banking, continue being world a limiting factor, the fact of the cost of the operations within the financial system, where the biggest concern is that such costs are not for an enlargement of the economic spectrum, being an inherent expense to the operation, not a generator of aggregated value, eroding one way or the other the same market, generating those small distortions that in time result on inflationary factors. What on the strict sense of the business, the bank commission for operation, does not add value to the exchange of goods, it only increase its cost, since even the responsibility and control of the operation, is unrelated to the bank, and this attributes if exclusively to the users involved, therefore the security factor tends to zero.
The general idea is to create applications to permit the effective exchange of goods and services, without adding costs for the financial speculation.
Details of our Proposal
Our base concept is the globalization of the use of cryptocurrencies. It is important to clarify that we are not talking about a specific currency, as has been happening from the start of the human existence, everyone obtains, purchases and sells goods for their liking and benefit, but it is necessary a plan of equivalences generalized and a common solution that permits according to the generalized acceptance to perform operations of acceptable value for the parties involved.
Within our proposal it is established a center of operations in our application that will permit people to perform reliable operations without more limitation than the attempt to perform the commercial operation. They could use the currency that had previously decided to obtain and it adapts to any figure of modern commerce, via E-commerce or transactions alive for goods or services.
Up to now to convert the cryptocurrencies, excepting those counted exceptions to the banking system must have first passed to the traditional banking system, and then make a commercial operation with the complications denoting such activity, such as the waiting times, loss in commissions, or fees as well as regulations for the international trade, that go far away from the own requirements from the users.
A classic example of one of the current defects of the system that are desired to be corrected is for example the purchase and sale of the goods of high value, as housing and vehicles where the buyer and the seller want to protect their good and guarantee the exchange of property. The traditional banking does not have an option to “Hold” that permits to validate to the parties that the operation has been made effective, with the added issue that the conversion of cryptocurrency to banking money has a very high cost that any of the parties want to assume, in the same way the globalization of the current currencies, require a previous conversion generic money for its effective use, which implies another implicit commission and the loss of the benefit perhaps obtained by the maintenance of the position of the on a currency, this is why our Token of equivalence has been created, open to receive any cryptocurrency, and to give a value for both parties from their current wallet (Wallet).
Our solution turns to be a non financial intermediary to be in charge of the commercial relations, where users and businessman go to safeguard their patrimony.
Specific solution
Our offer is based in the creation on a record time of a solution type APP for all types of devices where P2P users can interact exchanging goods and services using the Cryptocurrencies that they have or acquire for that purpose.
This seems to be the objective of all the current applications up to now bur out differentiating factor is the specific orientation. We do not pretend to develop a new tool to purchase and sell cryptocurrencies. Like those, there are already millions; we do not pretend to be an application marketing products and much less a social support network for the cryptographic knowledge. We are not oriented to being a tool of direct commerce, with all its benefits and possibilities that nowadays is being performed by the financial entities. If, to become a financial intermediary, there exist the “Wallets” with their regulations and products, for us the final objective is to serve a substitute tool of low cost for the direct commerce, even substituting the traditional cards of debit and credit, that always demonstrate that nothing if for free in this world, at least it costs time to get them, without saying that each time we use them, those receive a percentage of the operation, but the most intriguing is that those are sold to us as if it was a favor. This is not our case, we want to globalize the banking users or not banking users to allow them to use the resources invested.
For this, we will give technological security support to help in the BlockChain technology and the issue of the Tokens, that does not permit us to make equivalences in our platform to unify criteria between users.
The Marketing will be direct between users, permitting people to contract advertising in the non invasive platform, within the plan of incentives and discounts for loyalty to commerce and users. Additionally the application can be integrated in other networks for the development of the electronic commerce with exchange of the token.
What do we want to say with this? It is simple, we are, as the cryptocurrency, a product of the collaboration of the community influenced by the use, for that we have a training plan with educational videos and preparation on line or in situ depending of the requirements to create a great network of users prepared to commercialize on their account the benefits of the network. We always give the same example, Coca Cola pays a lot of money for an advertisement on a stadium, where it will be visible for 25,000 persons that is the capacity of the stadium, including those not consuming the product or those who prefer the competence, but in our application, with the proper preparation, any user can be certified so that he/she could sell services in their community, as specific advertisement, permitting for example, the Pizzeria of their sector of residence to make direct advertising to users of the “target” of their interest, or the hairdressing that could inform the users if their sector that there is a new product or a special discount. This makes the tool not only an application for users but a business media for all users.
In our solution, the education plays a very important role, because it is necessary on a simple, discrete and direct manner to offer the tools and knowledge needed so that each person within their respective social order can give clear explanations and offer his/her services within any model of business so that activities could be developed with the support of the platform.
The creation of the platforms and applications supporting all the activities require to have simple and friendly inter phases because nowadays there are a lot of “Wallets” administering Cryptocurrency operations, but none of them have the qualities from a simple application, as many applications are being developed in the social networks easily reaching the population.
Once the complete platform is developed, it must be located and supported with the security requiring the control of commercial operations, as well as the selection of the location permitting greater flexibility on each one of the communities.
Part of which we have called as guarantees in the process, those come from the legal assistance and support to all the operations, notwithstanding that it is a commercial custom generally accepted to receive goods or services in exchange from other goods and services to which both parties have given the same value. This fundament of use and costume must be legally supported so that it can have specific weight in the local commercial regulation.
The globalization comes from the hand of a structure of atomized distribution of responsibilities with vertical support of operations. This will permit that the certified people to be marketers and replicators within their communities of influence, that is to say each person has a pre agreement of exclusivity to operate on its community and the possibility to enlarge such area of influence through the specialization of knowledge. This scale goes from the regional influence, for countries, sectors and communities.
System of decentralized payment with shared benefits
The users do not want to continue being observers of the technological development; they want to actively participate in the development and impulse of the operations, without a higher entity awarding itself the economic benefit to count with them within the ecosystem. This is the reason why this solution proposes to maintain the original spirit of the cryptocurrencies and to decentralize its economic benefit for the diffusion and globalization of consumption, thus benefiting all the users of the community for their participation.
It seems that all the products come from a garage in California so that a person can become millionaire. At this time the community will win as a whole, from a product with levels of certification and participation open to all.
Payment applications, wallets, exchanges… there are many, the idea is that we unify criteria related to a product generating tangible benefits for our specific support.
The common users, beyond the trading investors and the technicians of the mining, only want to be part of the network and the benefits, not only being on it.
We are the distribution of the knowledge on behalf of the members of the community to generate atomized benefits distributed among those supporting the network.
The challenges of the proposal
Eventually a channel of YouTube must be prepared, containing the basics to certify the people replicating the knowledge and training them to generate value added. As previously mentioned, this tool with the globalization will permit to sellers and consumers to profit from the users network and to work on the loyalty of the clients. This work must be addressed to members of the own community that can and understand how to replicate the use on their behalf.
Create bi-directional Applications permitting the interconnection between sellers and buyers.
To have a safe and reliable platform for the management of transactions.
Endorse with the team of experimented professionals the needed legal support for each community, with this we refer to the responsibility of our community, ensuring that the products comply with the most elemental regulations as well as the standards of security generally accepted, therefore in this section we compromise to always apply the best practices of business and to look after their compliance.