A Solution to Eliminate Predatory Lending. The Digital Reserve's vision is the creation of a decentralized financial institution that can begin resolving the $2 Trillion dollars in unmet financing need. This is accomplished through increasing financial access through a sustainable and profitable financial ecosystem.

1. An End to Predatory Lending
The Digital Reserve

2. Lending
$100B+
in microfinance in 2016
10-15%Expected Annual Growth
10
20
30
40
50

3. Blockchain & Cryptocurrency
$2B+Raised in ICOs
(Initial Coin Offerings)
in 2018
$300B+
in Market Capitalization
10% of GDP
by 2025 - World Economic Forum

4. Problem
Sustainable Micro-Lending and Access to Capital Have
Remained Elusive
Cryptocurrency and Blockchain Technology can close the $2 Trillion
Dollar Gap in unmet financing

5. 400%+
Potential Interest Rates of Payday Lending
Average
Microfinance Rate
45%
In 2015, underserved consumers spent $36.5 billion on fees
and interest for single payment loan products due in one lump
sum, typically with terms of one month or less.

6. Blockchain and Fintech Development
Companies are Rewriting Network
and Economic Rules to Create New
Solution to Some of the World's
Largest Problems

7. Cost-based payment and lending network
for value stabilization
Designed to create the conditions and
incentives for a vibrant on-chain economy
Focused on working to close the lending
gap through uncollateralized lending and
building out
"Designed to Create a Profitable,
Equitable and Sustainable Economic
System"

9. A successful microcredit
solution can have immense impact
A 10% increase in investments
leads to a 1.3% increase in growth
in underserved communities.
Automated Underwriting – Borrower Centric

10. The Digital Reserve Network
Current offerings are not suitable as macro-level solutions
and providers are losing opportunities to close the lending
gap

11. Roadmap
Upgrade of Post
Quantum
Signatures
2022
Interoperability &
Integration
2021
Decentralized
Finance Lab
● Establishment of
Decentralized
Finance Lab
● Lending DAPPs
● Decentralized
Application of Kiva,
LendingClub, Etc
2020
Final Testing,
Mainnet Launch
& Insured DAPP
● Testnet V2 in January
● Development of
institutional plugins in
Feb.
● Mainnet & Denarii
Issuance/Distribution
in May
● Multisignature
Cryptowallet
Insurance Pools in
October
2019
Testnet and
Audits
● The First Iteration
of the Major UX
Interface was
completed in July.
● September will be
Testnet V1
2018
● Integration with
interoperability
platforms
● Institution
Integrations
● Release of new
financial services
● NIST Post-
Quantum
Standards upgrade:
Scheduled Hard
Fork

12. We have the team to do it.
Founder of $100+
Million Dollar
Cryptocurrency
Fulbright Scholar
BEYA Modern Day
Technology Leader
Regulatory and Legal Expertise
with Top Law Firm
Econometrists
Financial Managers
Automated
Negotiations &
Consensus
Mechanism Design
Brand Development
Community
Development

13. The Digital Reserve Team

14. The Ask
$2 Million
Denarii
DPA
Equity
Denarii DPA - Is the Denarii Token as a Debt Payable Asset
Approximately 10% in The Digital Reserve, P.B.C.

15. Appendix/Technical
Presentation
Jomari@thedigitalreserve.org

16. “There are two main factors that will determine the success of narrowing, and
eventually closing, the credit gap. Both factors depend heavily on the interplay
of targeted public and private sector interventions:
• The quality of a country’s financial infrastructure, particularly the
availability of data, including credit information and ways to secure,
register and enforce pledges over movable and immovable assets.
• the ability of banks and non-bank financial institutions, including Fintech SME
lenders, to
innovate in servicing their clients and better leverage digital transactions
and data to create convenient and affordable financial solutions.”
– World Economic Forum
The Problem

17. Our Solution – The Digital Reserve Network
• Our goal is to develop payment and lending network to provide
decentralized financial services to customers using Denarii – a
specialized cryptocurrency in development by the Digital Reserve.
• Unlike other deflationary cryptocurrencies, Denarii is designed to
meet the needs of everyday people.

18. The Digital Reserve Network
A Responsive Governing Protocol
● Monetary Policy
○ Issuance Rate
○ Machine Learning
● Minting/Staking Protocol
○ Transaction Fees
○ Minting of New Denarii
● Lending Protocol
○ Interest Rates
○ Identify Verification &
Authentication w/ Oracles
○ Reputation History
● Transaction Confirmation
Denarii Protocol
Monetary Policy
Staking ProtocolLending Protocol
Transaction Confirmations

19. Denarii
The Denarii is the base currency for the
Digital
Reserve Network.
● Base Unit of Exchange
● Base Unit of Transactions Costs
● Base Unit for Network Transfers
● Provides ability to participate in stakingDenarii 1 Stater 0.0001
Wampum 0.1 Aureus 0.00001
Katanga 0.01 Pinyin 0.000001
Florin 0.001 Denarius 0.0000001

20. The Denarii Protocol
Denarii Wallet
Operating Functions
● No
overdraft/maintenance
● No Intermediaries
● Transaction
Confirmations
in approx. 10 seconds.
● Asset Class recognition
● Recurring transactions
Denarii Mint
Operating Functions:
● Staking participation
● Lending
● Block Reward Payment
Denarii ID
Operating Functions:
● Borrowing
● Credit reputation
● Digital Identity
● Connection to Wallet
Oracles
3rd Party
Identification

21. P2P Lending Architecture
Denarii Protocol provides loan based on internal reputation score, requested loan amount
and value of the loan
3rd Party
Authenticator/
Oracle/ Peer
Attestation
Denarii
ID
Account
Denarii Staking
Pool -
Smart Account
Loan
(P,I,R)
P-Payments
I - Interest Rate
R- Request Loan Amount

22. Network Architecture
• Focused on supporting a future-oriented
high- velocity economy.
• A groundbreaking cost-based Proof-of-Stake
implementation that promotes economic
activity while mitigating the
pervasive "nothing at stake" vulnerability.

23. Network Architecture
• A secure, scalable and decentralized
BlockDAG governed by the Denarii
Protocol
• Transparent and resistant to quantum
computing attacks.

24. Initial Denarii Distribution
6 Billion Initial Issuance of Denarii Token
20%
Regulation D Private Placement
5% 75%
General Public, Partners, Institutions, Clients.
The Digital Reserve, P.B.C.
& Founders

25. The Competition - Traditional
Feature Digital Reserve Network Financial Institutions Payment Processors Traditional Microlenders
Pseudo-anonymity
+ - + ~
Transparent lending
protocols + - N/A ~
Decentralized
+ - - -
Low Transaction Fees
+ - - -
No Chargebacks/
Overage Fees + - - N/A
Fast Transaction
Settlement to Account + - - N/A
Borderless Transactions
+ - - -

26. The Competition - Blockchain
Feature Digital Reserve
Network
Wala ZenCash Bitcoin Ripio Ethereum IOTA
Cost-basedProof of Stake
+ - - - - - -
On-Chain lending
+ ~ - - + - -
Quantum Attack Resistance
+ - - - - - +
Credit Reputation building
+ ~ - - + - -
Directed Acyclic Graph
+ - - - - - +
Dedicated Customer Service Channels
+ + - - ~ - -
Market Responsive Reward
System (Responsive Monetary
Policy)
+ - - - - - -

27. Digital Reserve Network UX Concept
Your Balance
0.00 Denarii (DII)
Transaction History
Value (DII)Date Type Transaction ID
+ 1.00 January 6, 2017 Loan 0X983898338983898
Next Payment Date - 1.00 January 5, 2017 Payment 0X983898389838983
N/A + 1.00 January 4, 2017 Loan 0X983898338983898
- 1.00 January 3, 2017 Payment 0X983898389838983
Reputation + 1.00 January 2, 2017 Loan 0X983898338983898
Score 750 - 1.00 January 1, 2017 Payment 0X983898389838983
Grade A
Dashboard Send Receive Mint Borrow Learn Settings Sign Out
Reserve Network Overview
1/8/2017
Available to Borrow …………………………....................………750,0000,0000
Transaction Volume……………………………………………… .2,200,000,0000 Most
Popular Transaction Type………………………………….......……..Loan

28. Use of Proceeds
Startup Expenses
Legal $350,000
Stationery etc. $3,000
Insurance $10,000
Web Design & Implementation $15,500
Contractors and Consultants $35,000
Marketing & Promotions $25,000
Recruitment and Onboarding Expenses $82,416
Total Startup Expenses $520,916
Startup Assets
Cash Required $824,164
Startup Inventory $0
Other Current Assets $29,510
Long-term Assets $27,257
Total Assets $880,931
Total Requirements $1,401,848

29. Contact Us
jomari@thedigitalreserve.
org