A presentation of some of the basic elements within the Digital Reserve Network. An introduction to the competitive landscape within cryptocurrencies and breakdown of the use cases for borrowers and minters.

1. DENARIIInclusive by Design

2. LEGAL DISCLAIMER:
All statements contained in this Primer, statements made in press releases or in any
place accessible by the public and oral statements that may be made by The Digital
Reserve, P.B.C. and/or the Distributor or their respective directors, executive officers
or employees acting on behalf of The Digital Reserve, P.B.C. or the Distributor (as
the case may be), that are not statements of historical fact, constitute “forward-
looking statements”. Some of these statements can be identified by forward-looking
terms such as “aim”, “target”, “anticipate”, “believe”, “could”, “estimate”, “expect”, “if”,
“intend”, “may”, “plan”, “possible”, “probable”, “project”, “should”, “would”, “will” or
other similar terms. However, these terms are not the exclusive means of identifying
forward-looking statements. All statements regarding The Digital Reserve, P.B.C.’s
and/or the Distributor’s financial position, business strategies, plans and prospects
and the future prospects of the industry which The Digital Reserve, P.B.C. and/or the
Distributor is in are forward-looking statements. These forward-looking statements,
including but not limited to statements as to The Digital Reserve, P.B.C.’s and/or the
Distributor’s revenue and profitability, prospects, future plans, other expected
industry trends and other matters discussed in this Whitepaper regarding The Digital
Reserve, P.B.C. and/or the Distributor are matters that are not historic facts, but only
predictions.
No Offer of Securities or Registration
This Primer does not constitute a prospectus or offer document of any sort and is not
intended to constitute an offer of securities or a solicitation for investment in
securities in any jurisdiction. No person is bound to enter into any contract or binding
legal commitment and no cryptocurrency or other forms of payment is to be accepted
on the basis of this Primer. Any agreement in relation to any sale and purchase of
tokens (as referred to in this Primer) is to be governed by only the T&Cs of such
agreement and no other document. In the event of any inconsistencies between the
T&Cs and this Primer, the former shall prevail.

3. CONTENTS
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4. Over two-hundred million businesses are unable to get the credit they
need, both for working capital and for investments. Individuals in
need of a loan are often at risk of predatory lending practices or
middleman gouging.
There are 15.6 million unbanked consumers and 51.1 million
underbanked consumers in the United States alone. Globally, the
number is over 2 billion. Underserved populations have been ignored
by most banks because they typically have poor credit ratings and
are unlikely to generate meaningful deposits or banking fees.

6. DRN leverages a groundbreaking cost-
based Proof-of-Stake implementation that
promotes economic activity while
mitigating the pervasive "nothing at stake"
vulnerability.
The Digital Reserve Network employs
secure, scalable and decentralized
BlockDAG governed by a responsive
monetary overseer: the Denarii Protocol.
Staked funds are made available to
verified users via microloans administered
by the Denarii Protocol. Minters are
eligible to receive loan interest while
borrowers are able to build a credit
reputation.

7. A High Velocity Economy

8. 1 2
3 4

9. The Denarii Protocol leverages a fee-based proof of stake
implementation in order to secure the network and provide incentives
to network participants to act in accordance with the protocol.
Stakers have three potential opportunities to earn Denarii tokens:
winning blocks, transaction fees from validating blocks and receiving
interest from microloans.

10. 1 2
3 4

11. The Denarii Protocol ties the ability to access lending from staked
transactions to a unique digital identity and reputation. The
authentication process will utilize oracle's or 3rd party authenticators
to create unique digital identities.

12. Company
20%
Pre-Sale
5%
Public Issuance
75%

13. The Digital Reserve, P.B.C. is a public benefit corporation
whose purpose is to research, design, develop, and
distribute software, hardware, and funds to support the
goal of financial inclusion.
Jomari Peterson
Co-Founder @ QRL
Blockchain
PhD Candidate @
Carnegie Mellon
MBA @ Howard
University
Joshua Rittenberg
3+ Years Corporate and
IP Law @ Kramer Levin
JD @ Fordham Law
BA @ University of
Pennsylvania
Emmanuel Johnson
Fulbright Scholar
Comp. Sci. PhD Candidate
@ Univ. Southern
California
MS in Robotics @
Birmingham University
Troy Wiipongwii
MA in Statistics and
Public Policy @ William
and Mary
BAS in Applied
Science/Mathematics
@SNHU
Founder @DebtLESS
Amina Emenena
MS in Systems
Engineering @ Johns
Hopkins
BS in Comp. Sci. @
Alabama A&M
Software Test
Engineer @Northrop
Grumman

14. Any other questions? Contact us
at info@thedigitalreserve.org