My entry for the contest:

The Future of Crowd Funding
http://www.reddit.com/r/viacoin/comments/2k0k81/viacoin_and_clearinghouse_present_the_future_of/cm2u9sl

Since the beginning of the Internet, a lot of changes have occurred since then. We as individuals don’t need to go to a public library to research; we don’t need to go to a video rental store or a movie house to watch our favorite flicks; we don’t even need to go to the office to work – and so much more. However when it comes to finances, the old way is still the current way. Money and money management is still in the hands of big institutions such as banks and governments. Our wealth is dependent on these organizations. With the invention of the blockchain, this too will change.
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Problem:

Small Investors - For a person who can regularly save money for a rainy day, he has limited options where he can put his savings: time deposits, mutual funds, and stocks – all of which are limited to his home country. He cannot just invest in foreign investments because by virtue of being a foreigner, he cannot. He has to go through several checks before he is allowed to invest. More so, he only plans to invest less than 100USD.
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Crowdfunding:
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Solution:
Crowdfunding your business through the Clearinghouse Protocol – It does not rely on centralized services like crowdfunding sites, you are your own stock exchange. The issued tokens are recorded on the blockchain. Anyone in the world can buy your asset. As an asset issuer, you have total control of the assets, issue dividends to your asset holders anytime. As an asset buyer, you can buy it wherever or whoever you are with no restrictions on amount or type of medium of payment (BTC, VIA, EURO, USD, ETC) - and none of the disadvantages of crowdfunding sites.

VIA address: VhBZuT263DBmorXtS3fPD52C34LmBL6gwW