.  .  brings a decentralized and democratic economic platform to the real economy!
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Cloudfunding is writing a new narrative around economic distribution
. . using the local economic value to drive sustainable productivity
QwickPic                Search                    ComTechX     New Economy     DeCom Markets     Local Demand     GeoCommerce     SME Cloudfunding     Local Media           Cloudfunding		One size doesn't fit all Local economies are typically merged into a nation's economic statistics, and are mostly ignored for the important individual contribution they make in the real economy. This approach may have suited in the past when there was less real time analysis available for local communities to track, especially in the last decade since the GFC, with more information on why there's continual income stagnation and rising cost of living in a system that's controlled and heavily reliant on credit. Using credit to drive productivity by pushing consumer spending in the hope that there's a flow-on effect back into business investment and wages maybe cyclical but those cycles are becoming larger black holes with increasing debt, culminating in local economies increasingly being stripped of their economic value by centralized lenders controlling and influencing capital flows  -  with lending judged on minimal risk and maximum profit to favor the lender and shareholders, regardless if it creates booms and busts in local economies. In downturns asset prices begin to fall but debt remains so it comes down to serviceability of the debt that becomes the critical factor, and as unemployment increases the pressure on consumer spending becomes tighter, leading to a contagion across local economies. It's no longer about who controls the money, it's all about economies! Cloudfunding changes the control of money with the distribution of free economic value to break down barriers confronting individuals, it gives everyone equal access to free working capital to strategize within a neutral economic infrastructure that has a direct impact on a user and their local economy  -  it brings innovation to the way economic wealth is generated and distributed across global barriers by way of an autonomous economic infrastructure that fits the real time demand of a modern connected world  -  it separates from the credit and debt pathway of banking onto a new path that's built with an independent scalable and sustainable infrastructure, where linear economic growth is securely tracked and accountable.  -  free economic value  .  .  it's free working capital, free to collect, there's no interest or fees and it never needs to be paid back, ever! Cloudfunding flips commerce and economics around by forming an open democratic market environment that gives individual users the freedom of a more equitable economic infrastructure that's governed and accountable by genuine productivity in the real economy  -  there has never been any alternative to using cash or credit in how commerce operates until now  -  this change in commerce's dynamics with an accountable intrinsic value of inventories ( productivity ) backing the economic value is the opposite to how money is created from nothing by banks  -  Cloudfunding brings an accountable way big ticket asset purchases such as cars and houses can be affordably bought outright, without loans, and how services like accommodation, cinema tickets, even fuel can be bought with cascading buying prices. There's now a fork in the road For three hundred years banks have filled the role of storing money and being the lender of money  -  they have been the central players that have controlled the flow of commercial activity, even invented the way money can be stretched to multiple times its original value  -  proving that digital currency has been around for many years, well before the internet, with numbers just simply being added to ledgers  -  they have proven that the unaccountable expansion of credit creation ( not tied to any intrinsic or productive value that could be quantified ) comes with consequences when the credit cycles result in bigger and bigger damage to society's wealth. Cloudfunding is a paradigm shift from a credit induced financial environment that users have heavily relied on for four decades, to a new economic environment where users collect free economic value ( savings ), just by connecting to the internet  -  this fork in the road opens up global users to an autonomous and independent commercial environment that incentivizes users to build out a debt free world where capital is generated by genuine economic value of global seller inventories is only a means of exchange to purchase products and services using social contracts ( smart contracts ) to execute sales  -  Cloudfunding replaces the way banks use of credit creation and interest rates to manipulate economic activity ( with synthetic values ) from a central position  -  with Cloudfunding forking away from the financial side, it's able to replace it with a global platform of democratic and decentralized local economies that have the incentivize to use free working capital to generate value added productivity and economic growth, and do it without leaving a trail of debt  -  Cloudfunding can be used to re-energize domestic manufacturing with full selling prices for businesses using Outsourced Selling and Price Demand to lower overhead costs along the supply chains, giving local economies a competitive advantage over external suppliers. As an economic system, Cloudfunding has an infrastructure built with commercial incentives that use traceable and intrinsically backed economic stimulus, which gives Cloudfunding the foundation for a new commercial and economic path that's scaleable beyond the somewhat limited scale that the financial systems have proven to have  -  it means Cloudfunding, with its tradable unit of account or means of exchange, only needs to compare values with global currencies  -  without needing to hold or transfer any local currencies to operate independently with the network of local Chamber(s) of Economies to achieve its mandate of providing the new economy with an autonomous and sustainable platform  -  it means the overall platform doesn't need to be or intends to be an authorized deposit-taking institute. Capital flows differently in a digital economic infrastructure Cloudfunding disrupts the status-quo of centralized control over money ( in fiat money supply / even crypto-currencies ), instead, giving local economies and communities a decentralized and democratic landscape to operate within  -  it's a totally new multilateral economic alliance, where everyone has equal control of a neutral and stable global means of exchange to stimulate local productivity in a collective effort  -  that's able to curtail trade imbalances, moderate speculative capital flows ( de facto Glass-Steagall legislation ), and prevent systemic contagion  -  this is largely due to the trading unit of account being constantly governed and tied to real productivity ( intrinsically linked to the multi-trillion dollar annual global productivity ), compared to fiat currencies that are created from nothing ( 'let it be done' ) and distributed to users at a cost that dilutes the economic wealth of local economies when credit is created for unproductive assets like houses.
"Currency by itself is only a means to exchange inventory but has a value that is regularly flaunted by others, whereas  .  . the economic value of inventory has an intrinsic value, that, as a currency, is constantly governed by itself, and cannot be manipulated!"
		Economic Value ( EV ) is not the same type of currency per se as the sovereign currencies used in the banking system, where money is created through making loans  -  EV is fused into the economic backbone of local economies where productivity is constantly generated by local commerce in an economic infrastructure that uses the economic value as a currency, as a unit of account  -  it's unique because it's able to be tracked down to 14 decimal points as it's exchanged locally and around the world, it's a means of exchange governed by genuine value-added productivity, and that makes it different to money that banks create 'out of thin air' and control with interest rates and risk management ( when approving loans / securitization ), which adds a layer of indebtedness over the top of local economies, reducing the value of local wealth  -  EV doesn't involve credit and so leaves no debt  -  although the bank's mandate is to create economic growth, their ungoverned and inconsistent control over the flow of the money supply causes boom and bust cycles due to their inherent rent-seeking business model, which has the main objective to earn value for themselves ( bankers ) and their shareholders, then expecting a trickle down effect to happen  -  the flaw in the banking model is that it dilutes the value of money in the productive economy ( real economy ) by shifting money out via rent-seeking into the unproductive economy ( financial services ), then the banking system relies heavily on inflation to increase prices by falsifying values ( e.g: housing bubble ), but that leaves the remaining quantity of money with less buying power. Inventory ( EV ) is already identified as collateral for borrowing by the financial system but only at low values, and at a cost, compared to the full selling price value that Cloudfunding sets when any inventory's economic value is freely distributed subliminally as free economic value ( FEV ) along the global public utility networks when the economic value moves from one economy to another, without cost or incumbents  -  it's able to operate from both ends of the commerce cycle, from the seller listing their inventory to the other end where a buyer pays for the individual product or service  -  by using the ready to be sold inventory ( productivity ) and tracking its economic value through to the end buyers, who use a validated universally distributed capital ( EV ) as payment, that unlike typical payment would be given to the seller, what Cloudfunding does is it distributes the paid value to the users in the global crowd that have already monetized the seller's inventory in the earlier process  -  the payments are part of the aggregate demand that is collected by users on a global scale when they help drive productivity in various economies, and it's this mechanism that is recycling a validated value across on a global scale back through into local economies as a monetization stimulus that raises the velocity of productivity and the local money supply, the two ingredients needed for a society to prosper  -  being able to direct the aggregate demand on a global scale is a key component of having a democratic and decentralized method of directing foreign capital into towns, cities and countries without credit and debt that it challenges the status quo and the banking system's model  -  by separating the commercial sector of the economy from the financial sector. It's time for the tech-savvy millennials to shine Shifting the economic value of genuine productivity to the leading catalyst, instigates a new pathway for capital to flow into local economies  -  distributing a seller's inventory's economic value to a decentralized network of independent global users where it's fully monetized before the products and services are released to local buyers, is a game-changer  -  it's like hitting the reset button in changing how capital is generated and how it flows into local economies without the burden of debt or interest rates to restrict consumer consumption.
		Using the economic value of productivity as the backing of a ubiquitous universal capital is a paradigm shift that differs to sovereign fiat currencies that are backed by trust in the issuer  -  that includes crypto-currencies, which are private tokens sold as speculative investments, or stable digital currencies backed by fiat currencies stored as collateral ( really only a digital mirror image of the stored value )  -  all remain linked to the same legacy systems of the financial and central banking systems, including the 'MeToo' subset Fintech. A more relevant economic infrastructure for modern times Cloudfunding separates the supply side from the demand side, allowing both sides of the market to maximize the commercial activity between the two, with sellers having the incentive of the Global Crowd monetizing the inventories, and cascading buying prices incentivizing the buyers  -  together they provide a new equilibrium that brings an open market competition to the supply side by competing with other sellers of all types of products and services, and buyers competing with other buyers  -  both sides can take advantage of deleveraging debt while providing a genuine approach to letting the buyers dictate if inflation of inventories reflects each local economy's demand. The era of selling money to both sides of the market has been around for some time but everything has a used by date and now with major financial crisis always just over the horizon, it seems only a matter of time before the world moves away from the financial feudal system. Cloudfunding heads down a new path that allows social co-operation to push capitalism along with private entrepreneurship ( SMEs ), not hobbled by centrally controlled capital, but by tapping the free economic value held in local inventories and using it as a trigger to validate a fully accountable global unit of account to stimulate local productivity, on a global scale  -  constantly governed by quantities of local seller inventories, that's democratically monetized and controlled by an independent and decentralized global community  -  it's driven by a recycling mechanism that multilaterally directs foreign digital capital into local economies, acting as a decentralized shock-absorber to balance trade surpluses and deficits with the monetization of the local seller inventories, prior to any local sales  -  this opens up local markets to give buyers the ability of setting the discounting demand ( affordable prices ), which brings a new meaning to price discovery with genuine affordable prices, and a fully accountable aggregate demand  -  which is the capital resource of the recycling mechanism that gets spread back across the world from economy to economy  -  raising the velocity of full sales revenues ( which raises higher taxes ), while avoiding any need to use interest rates and currency exchange rates to manipulate capital flows, this in turn controls inflation and avoids the dilution of the money supply and its value  -  and eliminates the financial system's incumbents.                                      .  .  see how decentralizing the shareholder model increases new Capital flows to SMEs
		Linear feed-back loop Cloudfunding initiates a feed-back loop that moves from the global ( Subliminal Organically Decentralized Advertising ) distribution of the economic value of local inventories to a global crowd through the direct foreign digital capital ( DFDC ) monetization process, opening consumers up to an incentivized environment with cascading buying prices ( Price Demand ), and, a personal deleveraging tool against debt  -  apart from that incentive, Price Demand payments are accumulated as aggregate demand for products and services, with payments distributed to the decentralized global crowd users that initially monetized the inventory  -  those payments simultaneously trigger the release of the sales payments ( held in escrow since the monetization ) to the sellers to immediately liquidate or spend. Cloudfunding brings a decentralized system to the digital economy that's able offer a democratic platform to a greater number of users, with a digital income ( business ) that can monetize exchanges between supply and demand  -  this scale of decentralized control provides a coordinated global approach to economic issues with direct funding to local economies and businesses to stimulate productivity  -  it has a secure foundation that tracks the distribution and exchanges using deep tracking RingLink technology to identify ownerships across the independent and autonomous platform with a peer to peer exchange of the economic capital currency. Democratic bottom-up environment Decentralizing control of local economic value on a global scale condenses the dynamics needed in the commerce environment to facilitate the exchange of products and services between sellers and buyers, eliminating third party 'rent-seeking' incumbents  -  it's a timely shift away from the credit and debt system to a deleveraging environment that's built into a totally new economic alliance of local communities to deflect the global financial shocks that continue to squeeze local economies by passing on more debt to support the financial systems. Cloudfunding sits at the intersection where supply meets demand, providing sellers and buyers the commercial environment to exchange the economic value of products and services ( productivity ) with a stable universal currency constantly pegged to a basket of global currencies  -  this unique commercial environment eliminates the need to be or be involved with deposit-taking institutes, whose main business model is credit creation ( mainly for unproductive property mortgages and financial assets ), and sharing profits between staff and shareholders  -  Cloudfunding's economic platform neither holds nor transfers any fiat or sovereign currencies within or across borders, its role is to securely track the exchange and transfer of ownership down to 14 decimal points while safeguarding the integrity of the economic infrastructure  -  while maintaining 'a minimum need to know' information exchange between users in all commercial and social interaction. Decentralizing how capital ( 'money' ) is generated Cloudfunding instead give businesses the leading role of both controller over the pace and volume of productivity's economic value being exchanged, and the liquidation of sales directly with local consumers  -  it provides the platform where users can directly be involved and fund both local ( SME ) businesses and local economies with capital to continue to be productive  -  it allows users to be part of a global decentralized environment generating productivity that directly drives and spreads linear economic growth across multiple local economies  -  that growth can be anything from zero to positive growth but never negative, supported by the fact that there's always someone spending somewhere within a local economy. Credit creation controlled by centralized banks V's Productivity controlled by decentralized businesses Cloudfunding disrupts the control banks have enjoyed so much since the 1980s when deregulation allowed unlimited credit to be created  -  what followed was banks began targeting the consumer with easy mortgages and credit cards, obviously preferring higher profits with less risk, leaving businesses at the mercy of the banks with control over where and even if they wanted to lend to businesses  -  this preference for the low hanging fruit set many countries on the slow decline in productivity and lower economic growth due to the high debt into the private sector, slowly starving disposable incomes with higher proportions of stagnant wages needed to service loans, which then directly hits SME business revenues. Cloudfunding has the unique recycling mechanism to balance capital flows between economies using a decentralized global consensus that works indiscriminately across all size economies, directly shifting economic value ( UDC ) from economy to economy, without transferring currencies or needing any financial incumbent  -  this Balance of Payments mechanism has a real time effect at the local economy level where productivity actually takes place, and where it can be adjusted in real time, instead of at the national level where the Balance of Payments is adjusted months after the event  -  the local Balance of Payments in Cloudfunding gives local economies the advantage of DFDC to draw in free foreign digital capital ( foreign economic value ) from a broad global crowd from other local economies to monetize inventories ( supply ), and to increase the supply of local sovereign capital held by users within that local economy  -  this real time activity is transparent across all economies so everyone has equal opportunity to either increase their local productivity to draw in capital or to help their trading partners to increase productivity by directing capital to trading partners to help keep a balance of trade. Decentralized control starts with SMEs in the New Economy Now with Cloudfunding, there's a network effect of independent global businesses ( SMEs ) with control over the volume of capital that gets generated to flow from their businesses and out into local economies around the world, via a democratic and decentralized global crowd that controls productivity by being at the intersection between supply and demand by fully monetizing the SME's inventory, before it's sold to consumers  -  it's an unprecedented shift with the flow of free capital directly to users in local and foreign economies where it's validated through a real time global aggregate demand of products and services sold throughout the world, directly impacting global productivity. This change in control completely reshapes the economic landscape, it directs capital flows through real productivity out into the local economies where it can influence job creation, no inflation, stabilize prices, and increase economic growth with value added productive products and services that boosts GDP  -  this decentralized approach sets the scene where businesses and governments can table infrastructure projects and get free direct funding from local and foreign users through a democratic consensus, in exchange for 'economic equity ownership' of local and foreign economies, with users sharing the ongoing productive gains of those local or national economies                                      .  .  see how decentralizing the shareholder model increases new Capital flows to SMEs Cloudfunding isn't limited to towns and cities, it's equally valuable for the rural areas, with farming being able to directly monetize produce at sustainable prices, and find markets .  .  helps farming industries, co-ops and individuals to set floor prices ( o/h costs / profits ) to stabilize markets and still work to global prices, it brings debt free cashflows to farming Cloudfunding challenges the status-quo
Global Market         Places                     Locations                Portfolio                  Affordable               QwickBuys             QwickP2P               Cloudfunds                              OMM                        LA Agent		'economic equity ownership' of local economies There's a global distribution of a local activity tax that's gained during the monetization process which benefits individual users when they collect the economic equity ownerships of the numerous local economy's ( Universally Distributed Income )  -  users can build a portfolio of locations ( automatically ) and earn a share of the activity tax  -  users are more directly involved in stimulating local economies by helping to monetize the products and services sold in those locations as part of the global crowd, a clear difference to profit taking shareholders. This capital from users taking up economic equity ownership of local economies directly flows as free business funding ( Direct SME Funding ) with local businesses gaining free cash-flow injections to perpetually stimulate their business and local economy, when they supply products and services for the global crowd to monetize  -  this directs sustainable linear economic growth back into local economies by replacing the diluted purchasing value caused by the financial system's rent-seeking and its need for inflation.                                      .  .  see how decentralizing the shareholder model increases new Capital flows to SMEs Changing the market dynamics Cloudfunding has developed an economic infrastructure for the internet that transitions users from being the products to being the creator of value to directly benefiting economically  -  it transforms local economies from being in the background of economic policies to being the connecting hub of stimulus that gets distributed much more widely than through the top-down financial systems  -  the sheer size of the connected internet community can now absorb the huge economic value of inventory sitting waiting to be sold in local economies specifically by being subliminal and non-intrusive to the users, a complete reversal of typical digital advertising as well as being free to sellers. There's an ubiquitous flow of capital directed at local economies from around the world by a decentralized global network of users, all incentivized to use their free working capital to stimulate local economies through increased productivity  -  users directly monetizing inventory to validate their FEV is the personal benefit for the users, but there's an even greater benefit that communities in local economies get by having direct power in pitting localization against globalization to bring free direct foreign capital into local economies, is that it's done without having any trailing debt. Social media rewards good actors There's enough proof to show that social media can have a direct effect of major issues  -  social influence set in the right environment can play an important constructive role in spreading economic wealth across local economies and around the world  -  social demand is structured to help provide the environment where good actors ( businesses ) can be swept along in a wave of free marketing when judged for their ethical supply chains ( transparency, environmental, sustainable products and waste reduction ), customer service and products. This power brings a unique ability for communities in local economies to collectively work together in free open market economic zones ( FOMEZ ) with real time tools to manage a Balance of Payments system that's specifically designed to keep track of their local economy's productivity and economic growth  -  it means as a community there are tools to connect with to send the word out that certain industries need help to be more productive, or overall, the flow of productivity needs to be directed towards their own economy, or even another local economy that they trade with ( e2eCommerce )  -  either way the active decentralized global crowd can influence the capital flows in and out of economies in real time for the benefit of all rather than a few shareholders. Banking's feudal system has its limits The era of central banks setting interest rates, and therefore the cost of borrowing, influencing the flow of money around the world, is coming to an end of its effectiveness  -  most of that borrowed money begins its existence 'out of thin air' when banks add a few digits to an account and indebt the borrower  -  that simple process of creating money is what has grown to such an extent that its constantly causing friction across economies around the world, often doing it in such an unaccountable way that it dilutes the value of the money supply, causing booms and busts  -  the financial system has created such an indebted world that it's prepared to go to any extreme to survive, and that means it doesn't care if local economies and communities need to sacrificed  -  for proof of that you only need to look back at the GFC to know how everyone other than the financial system's players were made to pay financially in some way so the banking system kept going. The problem is there's now 50% more debt after a decade and it's still heavily reliant on creating even more debt, and, now with 0% and even negative interest rates around the world, along with bail-in policies being put in place, there's limited runway remaining without a paradigm shift to a modern decentralized system.
ComTechX the industry, combines Commerce and Technology, bringing together Offline and Online Commerce into the new economy with a streamlined commercial ecosystem .  .  it operates in an autonomous infrastructure, in the way the internet was intended, with an ubiquitous universal value synchronizing all the global economies to operate as one
Economies in most countries have been separated into two separate entities, those below the line produce and add economic value, those above take from that economic value Global Chamber of Economies find a balance by providing local economies with the voice and platform to operate independently and retain the economic wealth that is produced
Separation of Commerce from the Banking and Financial System in Cloudfunding's economic infrastructure acts similar to how the Glass-Steagall Act operated from 1933 to 1999 .  .  this was when the retail side of banking was separated from the investment side, which involved speculation on the stock markets and a main cause of the Great Depression
Local SMEs can change the status quo by outsourcing the selling of their inventory at guaranteed full selling prices to gain a competitive advantage against big box competition Cloudfunding gives SMEs predictable cashflows so they have the confidence to invest in stock and upgrades, which lead to jobs  -  ingredients for a better local economy
Direct Foreign Decentralized Capital flows ubiquitously from economy to economy
Here's a table napkin sketch of how it works
		Check out a Deal Registration and Cloudfund Strategy See a Snap-Shot view of a Cloudfund strategy and bidding for Deals Cloudfunding generates Price Demand  -  digitizes 'cash' to flow ubiquitously around the world What's The Monetizing Moment? Cloud Commerce operates by Outsourcing the Selling to the Crowd by Cloudfunding How Sellers Outsource their Selling to the Crowd?
		'Pay it Forward, Now!' completes the sales activity for sellers! As UDC is validated and exchanged in the Digital Economy it permeates out into local economies! see the connection of players that help achieve 'Productivity' :   Global Cloud Productivity Wherever your Location is - you are not alone!
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