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What technologies are most important to the future and success of DNotes?

1 ) An easy to use merchant payment verification system that doesn't require a third party
2 ) Cloud storage of the blockchain. Wallets sync with cloud instantly and no lag time at startup. This is a centralized item, however, but would be of great benefit. Instant syncing, instant sending, etc.
3 ) Versatile tipping program for various websites and social media outlets
4 ) POS style reward system
5 ) Making DNotes secure for everyone to use no matter their situation
6 ) Instant exchange functionality for the DNotesVault
7 ) Total smartphone solution for all DNotes functionality including vault and instant exchange functionality

What major issues with the existing financial system can DNotes solve?

1 ) Instant transfers of money.
2 ) Micro transactions, under $1 are not feasible. The transaction fees make micro transactions unprofitable if not impossible.

What services are most important to the future and success of DNotes?

1 ) Direct and simple fiat to DNotes exchange.
2 ) Accessibility and Ease of Use
3 ) CLEARLY outlining benefits, programs, future of DNotes
4 ) 24/7 support
5 ) Multilingual support
6 ) Assurance of store of value
7 ) Credit/Debit Card
8 ) ATM services
9 ) Refill service for prepaid/sim cards

What major obstacles does DNotes face to achieve success?

1 ) Half of the world's population does not have banking access and is therefore excluded from participating in economic growth.
2 ) Combating and rising above the bad reputation bitcoin has (whether it is deserved or not).
3 ) Mainstream media negativity of any cryptocurrency in general.
4 ) Develop global name recognition. When people think "crypto" or "Bitcoin" now, they should simply think "DNotes" in the future.

In recent discussions, investment funds were used as a way to invest in digital currency. Do you guys feel this is an important service to the future and success of DNotes?

I think an investment fund is a great idea, as most people feel more comfortable being part of a group, rather than acting as an individual. However, if the sole holding of that investment fund was DNotes, the only reason that they would be participating is because we didn't teach them how to use DNotes without a third party service.

Fund managers and investors may want to manage all of their funds in one place and in the same way the manage all of the other investments. Opening a vault account may not sound like a big deal, but it may be for them. It will also allow them to track the price of the fund in the existing tools they already use. Another advantage is the manager of the fund will likely have the ability to invest in DNotes in a specific way that is advantageous to DNotes. Lastly, if someone wants to sell their investment in the DNotes fund, that does not mean they are selling DNotes, they are selling the fund to someone else, so it's almost like the money goes into DNotes but doesn't come out really. I could be wrong on some of this stuff, I'm not an experienced trader.

Good points on the advantages. Not to sound like a pessimist, but a few more disadvantages to an investment fund are that people have very limited (if any) access to their funds, there is usually a waiting period to receive their money, and sometimes there are penalties for cashing out before it`s maturity date.

These are all good points. There are a lot of benefits to having a DNotes investment fund that is SEC approved and tradeable on a major stock exchange. It opens the market up to people that aren't interested (for a variety of reasons) in holding DNotes themselves, but recognize the potential in it as an investment. It is also eligible to be held in mutual funds, pension and retirement funds and other various investment funds.

It is the responsibility of the fund manager to let the client know that this is considered a long term investment, that there may be a delay in getting your funds, and inform them of any penalties involved in cashing out. The fund manager should also let them know that this type of investment fund is not the same as having a wallet where they have access to their funds for spending.

Excellent! What types of funds could invest strictly in DNotes?

DNotes could be held as the sole investment in a few different types of funds. An ETF (Exchange Traded Fund) would be the simplest for everyone to invest in. A Hedge Fund would be more appropriate for a wealthy, aggressive investor. To hedge against currency risk, there could be a DNotes / US Dollar Mutual Fund or a DNotes Currency (or commodity) Futures Fund. The last two would also be more appropriate for seasoned investors.

DNotes is very specifically designed for the masses; for everyone, from the unborn to the very senior, from the poor to the super rich. If money is for everyone, then DNotes is for everyone. This could take a generation or two. But unless we understand the very long term vision of DNotes, is difficult to understand why DNotes is positioned so differently. DNotes is not another "me to" hoping to make it big if we should be lucky. It is created and launched as "The Digital Currency of The Future With Lasting Value" That apparently is DNotes's core mission. But, what does it mean and what would it take?

DNotes was founded with the vision that the Bitcoin and the Blockchain technology is the greatest technology revolution of mankind. It is, but most people have yet to understand or refused to examine and study it objectively. That is always the case with any new technology. What may be significantly different, this time around, is the real threat of immense disruptive consequences confronting the power base that has ruled the world for generations. They are the central banks and financial institutions. Their self interest is being threatened. Consequently, pushing back and deliberate attempts to slow down the inevitable are natural and predictable. Unfortunately, our counter measures as an industry, whether planned or just happened spontaneously, have been ineffective and on occasions, damaging, resulting in a lot of pain and suffering. We have seen a lot of that coming. That is another reason why DNotes had decided to take a different path. I wish I can tell you "why" by using a brief "elevator pitch". If you seriously like to know, start reading from page one of this forum. This book is free, historic and very educational. Yet untitled, but could be called "Succeeding in the most Chaotic Trustless Industry with Trust"