The Digital Reserve, P.B.C. is developing a platform for Global Microlending and Financial service. This will help combat the $2 Trillion Dollars in Unmet Financing Need. Through human centered design and robust game theory, the Digital Reserve Network will become the center of the next wave of financial institutions.

1. DI GI TAL
RES ERVE
BUI L D I N G L E N D I N G A N D FI N A N C I A L
S O LUT I O NS

2. 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

3. IMPACT
A successful micro-financing solution
can be immense. A 10% increase in
investments leads to a 1.3%increase
in growth in lower income countries

4. MICROLENDING
Current offerings are not suitable as
macro-level solutions and providers
are losing opportunities to close the
lending gap

5. MICROFINANCE
$100B+in micro lending in 2016
10-15%Expecte d A nnual Growth 10
20
30
40
50
0
Item 1 Item 2 Item 3 Item 4 Item 5

6. CRYPTOCURRENCY
$2B+ra ised in IC Os (In iti al
Coin Offe ri ngs) in 2017
$300B+in Mark et Cap fo r to p 50
coins
90%of Mark et Cap is Top 10

7. BLOCKCHAIN
DEVELOPMENT
COMPANIES ARE
REWRITING NETWORK
AND ECONOMIC RULES
TO CREATE N EW
S OLUTIONS TO S OME OF
THE WORLDS LARGES T
PROBLEMS

8. WHATWE ARE
BUILDING
Cost-based payment and lending
network
Designed to create the conditions
and incentives for a vibrant on-
chain economy
Focused on working to close the
lending gap

9. WE HAVE
THE TEAM
TODOIT!
M E C H A N I S M D E S I G N
C R E A T I O N O F $ 10 0 M +
C R Y P T O C U R R E N C Y

10. DIGITAL RESERVE
TEAM

11. Appendix/Technical Presentation

12. “Thereare two mainfactors that will determine the successofnarrowing, andeventually
closing, the credit gap. Bothfactors depend heavilyon the interplay oftargeted public and
private sectorinterventions:
• Thequality ofacountry’s financial infrastructure, particularly the availabilityofdata,
includingcredit information andwaysto secure, register andenforce pledgesover
movable andimmovableassets.
• the ability ofbanksandnon-bank financial institutions, includingFintech SMElenders, to
innovate inservicing their clients andbetter leverage digitaltransactions anddatato
create convenient andaffordablefinancial solutions.”
– World EconomicForum
TheProblem

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 ReserveNetwork
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 DenariiProtocol
Denarii Wallet
Operating Functions
● No overdraft/maintenance
● No Intermediaries
● Transaction Confirmations
in approx. 10seconds.
● 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 LendingArchitecture
Denarii Protocol provides loan based on internal reputation score, requested loanamount
and value of the loan
3rd Party
Authenticator/
OracleDenarii
ID
Account
Denarii Staking
Pool -
Smart Account
Loan
(P,I,R)
P-Payments
I - Interest Rate
R- Request Loan Amount

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

20. Initial DenariiDistribution
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 TransactionFees
+ - - -
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-basedProof of Stake
+ - - - - - -
On-Chain lending
+ ~ - - + - -
Quantum AttackResistance
+ - - - - - +
Credit Reputationbuilding
+ ~ - - + - -
Directed AcyclicGraph
+ - - - - - +
Dedicated Customer Service
Channels + + - - ~ - -
Market Responsive Reward
System (Responsive Monetary
Policy)
+ - - - - - -

23. Digital Reserve Network UXConcept
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
D a shbo a rd Send Rec eive Mint Borrow Learn Setting s Sign Out
Reserve Network Overview
1/8/2017
Available to Borrow…………………………....................………750,0000,0000
Transaction V o l u m e … … … … … … … … … … … … … … … … … … .2,200,000,0000
Most Popular Transaction Type………………………………….......……..Loan

24. Use ofProceeds
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. ContactUs
jomari@thedigitalreserve.org