Fluzcoin aims to provide a blockchain-based retail currency that is cost-free, secure, and fraud-free for consumers and retailers. It will be backed by a dynamic reserve and run on the permission-based Quorum blockchain. Consumers can easily exchange Fluzcoin for fiat currencies globally on their mobile devices. Retailers can access growing mobile and crypto consumers while lowering prices by cutting out financial intermediaries. Investors may see value appreciation from the natural demand created as retail usage increases. Fluzcoin will be governed by an AI algorithm, independent foundation, and for-profit company to control volatility and ensure mass adoption.