The document discusses building lending solutions using cryptocurrency and blockchain technology to close the $2 trillion microfinancing gap. It proposes the Digital Reserve network, which would use a cryptocurrency called Denarii for cost-based payments and lending. Key features include decentralized lending protocols, low transaction fees, fast confirmations, and credit reputation building. The network aims to provide financial access and services in a secure, scalable way with responsive monetary policies. Proceeds would fund startup expenses like legal costs and marketing, with assets including cash, inventory, and long-term assets totaling $880,931. The total funding requirement is $1,401,848.

1. Building Lending and Financial Solutions

2. Sustainable Micro-lending and
Access to Capital have Remained
Elusive
Latin America Middle East Sub-Sarahan Africa South Asia Central Asia East Asia
& North Africa & Eastern Europe
800
600
400
200
0
Microfinancing Gap
(In Billions)

3. Cryptocurrency and Blockchain
Technology can close the $2
Trillion Dollars Gap in Unmet
Financing

4. The impact of successful
microfinancing solutions can be
immense. A 10% increase in
investments leads to a 1.3%
increase in growth in lower-
income countries.

5. Current offerings are not suitable as macro-level
solutions and providers are losing opportunities
to close the lending gap. Performance
Scalability Stability

6. Microfinance
• $100 Billion+ in Microlending in 2016
• 10-15% Expected Annual Growth
Cryptocurrency
• $2 Billion raised in ICOs (Initial Coin Offering) in
2017
• $300 Billion+ in Market Cap for top 50
• 90% of Cap is Top 10

7. Blockchain development
companies are rewriting network
and economic rules to create new
solutions to some of the worlds
largest problems.

8. The Digital Reserve is building a
cost-based payment and lending
network.
Our network is designed to create
the conditions and incentives for a
vibrant on-chain economy while
working to closing the lending gap.

9. We have the team to do it.
Created $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

10. TheTeam
Jomari Peterson
• Co-Founder @
QRL
• PhD Candidate
@ Carnegie
Mellon
• MBA @
Howard
University
Joshua Rittenberg
• 3+ Years Corporate
and IP Law @
Kramer Levin
• JD @ Fordham Law
• BA @ University of
Pennsylvania
Founder/CEO
Network
Architecture
Economics/
Machine Learning
Systems Design/
Implementation
Founder
Emmanuel Johnson
• Fulbright Scholar
• Comp. Sci. PhD
Candidate @ Univ.
Southern California
• MS in Robotics @
Birmingham
University
Amina Emenena
• MS in Systems
Engineering @
Johns Hopkins
• BS in Comp.
Sci. @ Alabama
A&M
• Software Test
Engineer
@Northrop
Grumman
Troy Wiipongwii
• MA in Statistics and
Public Policy @
William and Mary
• BAS in Applied
Science/Mathematics
@SNHU
• Founder @DebtLESS

11. Appendix/Technical Presentation

12. “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-bankfinancial 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

13. 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.

14. 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

15. 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 staking
Denarii 1 Stater 0.0001
Wampum 0.1 Aureus 0.00001
Katanga 0.01 Pinyin 0.000001
Florin 0.001 Denarius 0.0000001

16. 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

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

18. 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.

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

20. 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

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

22. The Competition - Blockchain
Feature Digital Reserve
Network
Wala ZenCash Bitcoin Ripio Ethereum IOTA
Cost-basedProofofStake
+ - - - - - -
On-Chain lending
+ ~ - - + - -
Quantum AttackResistance
+ - - - - - +
Credit Reputationbuilding
+ ~ - - + - -
Directed Acyclic Graph
+ - - - - - +
Dedicated CustomerServiceChannels
+ + - - ~ - -
Market ResponsiveReward System
(ResponsiveMonetaryPolicy) + - - - - - -

23. Digital Reserve Network UX Concept
Your Balance
0.00 Denarii (DII)
Reputation
Score 750
Grade A
Next Payment Date
N/A
Transaction History
Value (DII) Date Type Transaction ID
+ 1.00 January 6, 2017 Loan 0X983898338983898
- 1.00 January 5, 2017 Payment 0X983898389838983
+ 1.00 January 4, 2017 Loan 0X983898338983898
- 1.00 January 3, 2017 Payment 0X983898389838983
+ 1.00 January 2, 2017 Loan 0X983898338983898
- 1.00 January 1, 2017 Payment 0X983898389838983
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

24. 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

25. Contact Us
jomari@thedigitalreserve.org