Infinity   CloudfundMe                           .  .  decentralizing Capital flows in the digital age with e2eCommerce
SMEs have new options to access free working capital
SME funding Online

Sellers         -         Global Crowd         -         Buyers
Products & Services   -   Outsourced Selling   -   Smart Contracts
Cloudfunding changes everything
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Social Demand      FOMEZ      Public Utility Network      LED - Hubs      DOMIndex      RingLink      SOA      FDC      Economic Engine      Smart Contracts      UDC      DFDC      PriceDemand     
Cloudfunding flips the advertising model to fund SMEs

  QwickPic           QUIK-Pics
  Search               Business

There's a new funding model helping SMEs go digital

Funding and cashflows are probably the most important concerns that businesses constantly think about  -  it leads to, when and where do the next sales come from and how quickly can the inventories get replaced.

Cloudfunding is a complete ecosystem of supply and demand of products and services moving from sellers to buyers  -  and at the core of that exchange is the way in which the value of those products and services are monetized and distributed to complete each sale.

Through closer merging of commerce with digital technology ( ComTechX ), it has opened up new ways to track and evaluate trade's economic value in a way that it moves away from the central control and the risks involved with the intertwining of the finance credit side with the trade side  -  shifting the dynamics so that the economic value in productivity is the leading component that stimulates the markets instead of using credit to finance the activity, changes the funding flow of capital in commerce.

Cloudfunding provides a modern way of streamlining the flows of commerce from the start of the supply chains through to the end consumer, at each step giving sellers and buyers the chance to sell at full margins while buyers compete with cascading prices  -  with each local industry and business contributing to an economic value that's tracked and redistributed as the seamless and ubiquitous trading value flowing between sellers and buyers in local economies, interconnected around the world in e2eCommerce.

In the background Cloudfunding separates the supply side from the demand side in two separate open markets where incentives can be implemented to stimulate activity in the trading of products and services from seller to buyers.

New mechanics steer SMEs towards new sustainable cashflows

By reversing the mechanics of advertising from an add-on micro-cost for distributing displays of products and services, to Cloudfunding's subliminal distribution of micro-values for the full selling prices of each unit in a seller's inventory  -  it exponentially expands the volume of micro-values distributed to a decentralized global base of users who are incentivized through a democratic activity process to collect the free micro-values and direct the free working capital to inventories listed by sellers using Outsourced Selling in local economies.

The payments made by the end buyers using Price Demand is directed back to the global crowd who participated in the Direct Foreign Digital Capital, and verifies the economic trading value with the working capital that was spent, which continues the perpetual loop by directing the economic value back into local economies to monetize more seller inventories.

The micro-values are termed as Cloud Capital / Cloudfunds / Free Digital Capital and are free to collect and use as working capital  -  it's the Internet's 'free working capital', it's free to collect, has no interest or fees, and never needs to be paid back, ever!

SMEs have several options available with Cloudfunding in which to access funding for their business activities  

-  a business can list their inventory and get the Global Crowd to monetize the full selling price value ( with no fees or commissions ) before the business releases the products or services to their local buyers who are incentivized with cascading buying prices, .

-  a business can also be pro-active and collect the micro-values and use it as working capital to earn another income stream helping other sales for businesses, as well as using the working capital to drive sales of their own inventory listed for Outsourced Selling.




Hotels / Motels



Art of Collectors


Real Estate



    Digital Sales Division  

There's no limit to the amount of working capital ( free digital capital ) that a SME or global users can collect, it is however governed by the amount of products and services businesses list from their inventories to outsource the selling to the global crowd  -  the number of inventory units listed, which can be something as small as a tooth pick, up to something as big as a house or a car, each has a unique selling price value and this economic value determines the size of the free micro-values being distributed for global users to collect.

The economic reasoning behind distributing free capital is to initially reach a wide range of users from different locations and financial circumstances  -  the incentive is for the free working capital to be used in all types of product and service deals so as to start earning a greater share of the distributed UDC  -  the incentive to participate has a flow-on effect of generating productivity in the local economies with full selling prices for sellers and cascading buying prices for buyers, therefore incentivizing the sellers to list more inventories.

As an example using products and services with a full selling price of $100.00 the average micro-value could be $0.10 for each item being subliminally displayed in the background via an app to users  -  higher inventory items like cars and houses increase the micro-values proportional and according to the full selling value ( a seller has the option of adjusting the micro-value )

                          A product or service with a selling price of                                                    $100.00    

                          One micro-value available for users to collect                                                   $0.10    distributed to 1,000 users

                          Average number of displays shown per minute                                                      16

                         Average amount of free working capital collected              X  1 min                 = $1.60

                                                                                                                   X 60 min              = $96.00

                                                                                                                   X 24 hrs          = $2,304.00

                                                                                                                   X 7 days        = $16,128.00    per user account

                                                                                                                   X 28 days      = $64,512.00    free working capital

                                                                                                                   X multiple accounts per user

Free Digital Capital  -  it's the Internet's 'free working capital', it's free to collect, has no interest or fees, and never needs to be paid back, ever!

The amount of FDC collected could be compared to the 'income savings' that would normally be left over from wages once bills have been paid  -  as working capital a user can find there own pace and determine what they want to build their account for, and work it by participating in the deals until the FDC is validated into UDC  -  when sellers liquidate their sales with users wanting to fund their accounts, what happens in the background is the UDC ownership is exchanged - it means that the economic value that's been tracked from the time a seller listed their inventory to outsource the selling to the time of the sale is fully validated and can be exchanged as money ( a means of exchange )  -  this economic value is now entrenched in the local economies and users become a new type of equity shareholder of their own local economies.

When the free working capital is used in strategies to drive the monetization of products and services, the amount of FDC 'spent' during the process is returned to each user as an equal value with all other users who reach the same stage of the process  -  this means that whatever is allocated in the strategies and 'spent' can either gain more or less when the FDC is returned to the user's account.

Users can determine for themselves what range of working capital they want to sit with and use to drive productivity and get their working capital validated into UDC  -  this provides users with a Game Theory approach of competing with strategies of other users.

The more free working capital collected, the more UDC validation

The unique decentralized bidding process uses economies of scale to increase the volume of products and services that are processed through the Outsourced Selling  -  using the $100 example above, the number of deals that an account holder could participate in with the volume collected is over 1000 with an overall selling price value of $100,000  -  the deals can be either to win and take the deal as a local buyer, or to earn from the deal process as a business income stream ( additional 60% in UDC of the winning bid value ).

An important aspect of the bidding process when allocating the working capital in the deals is that any Cloudfunds that are 'spent' in the process is returned back to the user's account after the bidding process is completed, to use again until it's validated as UDC  -  that means the volume of free working capital can continually increase if the user Opts-In to collect more.

A user has the option to automatically allocate the working capital in deals based on location, industry and even businesses, and operate passively and get the notifications to keep track, and maybe adjust the random allocations before the Opening Call.

Collecting working capital is an Opt-In / Opt-Out option  -  with displays rotated automatically in the background while a user is Online.

The amount of activity a user wants to be involved with is only limited by the volume of working capital they have available to 'spend'  -  the more activity being involved with the more opportunity of verifying the working capital into universal trading capital UDC.

A users' activity in participating with the Global Crowd can be automatically set to direct their effort towards locations, industries or even types of products or services  -  the settings can limit the amounts a user wants to operate with and be notified of progress 24 / 7.

The process for using working capital is via a unique decentralized and democratic bidding platform that uses Game Theory to give all participants an equal opportunity, rather than someone with more money or a faster internet connection  -  it eliminates the drawn out systems that allow the 'one last bid' to win a deal.

The role of the global user is to stimulate productivity and earn economic value from the process and not take possession of the products or services  -  user strategies are to participate in the bidding process so that they share in the verified economic value that gets distributed when a local buyer buys the products or services.

User strategies are set prior to a 15 minute process that automatically tries to keep a user involved and not be eliminated while the 5 stages of the process are in progress  -  the longer the user stays in the bidding process the more they can earn from of the distributed value when the products or services are finally purchased  -  a user can be involved in multiple deals simultaneously.

The unique decentralized and democratic bidding process is not a zero sum game where only the winner gains but it's a distribution process that forms an important wealth distribution based on real products and services being offered to local buyers as part of productivity within local economies.

Global and Domestic activity is tracked and updated in real time  .  .  see more

More information about using the working capital can be seen here

Sellers now have an Automated Selling channel

As Outsourced Manufacturing has changed the way products are made from labour in other countries, Outsourced Selling applies the similar use of merging the digital labour of global users to restructure the financial and Capital flows in Commerce.

Instead of exploiting countries where cheap labour is available, Subliminal Organic Advertising is used to distribute micro-values globally into countries where users can collect the Cloud Capital / Cloudfunds / Free Digital Capital and use it gain financially as Open Market Makers - OMM / virtual wholesalers, as they help to move trade from sellers to buyers around the world.

Smart Contracts are formed by sellers in the Outsourced Selling's Game Theory process, locking in the full selling prices and holding the value in escrow until a seller's final buyer buys with Price Demand, at the price they want to pay.

The Outsourced Selling and Price Demand provides sellers with a new channel to automate sales without fees or charges  -  products and services remain in the hands of the sellers at all times for in store exchanges or delivery, so the best Customer Service can be offered without the hassle of convincing customers to buy.

The day of inventory arriving at the store or warehouse and start displaying products on the shelf is over  -  now inventory can be listed for Outsourced Selling as it arrives, and over-nite the process is completed ready for the next morning's store opening  -  sellers can release products in any number of ways, either by leaving it all online or directing that customers need to come into the store to trigger the Price Demand  -  when notifications are released, Price Demand takes over the selling automatically leaving staff to handle the Customer Service  -  payments are completed automatically as the Collection Code is exchanged.

When sellers list inventory for Outsourced Selling each unit of product or service taps into RingLink technology of multiple ( invisible ) Rings around the world connecting locations and their local industries and economies  -  as inventory is listed it connects with users who collectively participate in a Game Theory process that does two main things  -  it collects a hidden micro-value from each participating user, which collectively, fully monetizes each individual item at the full selling price, and the other thing is that when the item is sold using Price Demand, the Universal Digital Capital spent in the purchase is then proportionally distributed back to the users validating some of the working capital into Universal Digital Capital.

The significance of Offline to Online O2O Commerce and RingLink working together gives sellers a key position in authenticating transactions and transfers of value, and ownership across the internet  -  as a seller lists their inventory, each item generates a section of the interconnections linking all the historical value and ownership connected via the users to that item  -  overall, the multiple number of unique connections to the value and ownership that's collected by a seller's inventory is like the DNA puzzle that makes up RingLink  -  as a product or service is listed and sold, each of the sellers and users involved in each sale will hold a piece of the puzzle ( encrypted offline on their computer and online in their accounts ) that can be used to authenticate every movement of value and ownership of Cloud Capital through to Universal Digital Capital from the beginning to the real time  -  money and especially cash, has never been able to be tracked in such detail.

Cloudfunding is the economic model that jumps across the so called 'targeted era of marketing' to Web 3.0, where both sellers and users can bypass the new global incumbents monopolizing Online Commerce  -  Cloudfunding changes how sellers can engage with users, without the 'know everything about them', by giving users the opportunity, and 'peace of mind', to be part of this next major step in monitizing O2O Commerce.

Dove-tailed into e2eCommerce is free delivery that sellers can operate with to solve that last mile delivery  -  FreDel - Freight and Delivery technology operates as a conduit for the new Capital flowing across economies  -  making it an essential service of e2eCommerce that takes away the add-on costs to the buyers' purchases.

For sellers to get the advantage from their customer base and even gain from customers buying from other sellers in different economies, there's the Queen Bee customer loyalty & collaboration program to fast track new income streams.

Sellers have a Digital Sales Division to track their sales but also to be pro-active by collecting Cloud Capital / Cloudfunds / Free Digital Capital and use it as working capital to participate in bidding as an OMM, even bidding for their own products without interfering with the end sales.


All sellers need more than sales at times to expand their business and this is where Free Direct Backing can gain new Capital without any interest costs or fees, or importantly without tying up collateral or giving away equity.

.  .  as activity increases there's a flywheel effect that spreads out into other economies
Some of the Industries that will be impacted by Cloudfunding :

fuel   -   taxis   -   hotels   -   restaurants   -   events   -   travel   -   trekking   -   sharing   -   Cloudfunding Main St   -   gig economy

groceries   -   fashion   -   books   -   delivery   -   content   -   subscriptions   -   On-demand   -   connecting   -   insurance

health   -   education   -   energy   -   housing   -   leasing   -   logistics   -   Used Market   -   Used Cars   -   Wage Shift   -   more

  Global Market    Global Productivity Market
  Places                Places
  Locations           Global Productivity Market
  Portfolio             Portfolio
  Affordable          QUIK-Afford
Food Pantry  QwickBuys        QUIK-Buys
  QwickStay         QUIK-Stay
  QwickTrek         QUIK-Trek
Food Pantry  QwickBite          Quik-Bite
  QwickPass       QwickPass
  QwickTrip          Transportation

  QwickPay          QwickP2P

  OMM                   OMM

                  Sellers Exchange


   New Economy

Media Release   Media Release


            -   Seller Co-Ops
            -   Buyer Co-Ops
   Queen Bee
New Capital flows for SMEs  -  why borrow when there's free capital?

Free Direct Backing gives businesses the means to gain the money needed to expand and grow so they can be more productive  -  most lending institutions ignore the business plans and ideas business entrepreneurs have and just focus on the collateral that's used to back up the lending.

What FDB does is to allow the business to detail their ideas and present it to the Global Crowd to judge if they directly back the project, it's up to the business to convince the Global Crowd of the need for free capital  -  in effect, the use of the Global Crowd to work out and judge what business and project gets the free capital, decentralizes what has often just come down to a few central incumbents deciding if lending funds is in their own interest  -  with FDB there's no interest or fees, no collateral required or any equity given up  -  and the amount never needs to be paid back, ever!

The funds that back any business project are allocated from the Free Digital Capital that flows from the Subliminal Advertising and through the distribution of Direct Foreign Digital Capital - DFDC just as OMMs monetize seller inventories with Outsourced Selling.

FDB is structured similar to subsidies that governments give industries to help trade and although the government subsidies are basically funded or offset from taxes, the outcome is supposed to help the industries survive and continue to employ workers  -  FDB does that along similar lines only on a global scale, and provides the benefits back to the Global Crowd through the distribution of an activity tax from the productivity into the individual Backer's UDI Portfolios.

Financing growth in any size business has more than ever been to borrow from a bank or investors at a cost  -  Cloudfunding changes that pattern by providing businesses with direct access to the free Capital that gets distributed by Subliminal Organic Advertising  -  there's no limit to the number of accounts that any user can open to access the free Capital, the strategy is to get the full potential from the free working capital to both use the funds to help process their own inventory and to use it to process inventory from other businesses  -  both ways gets the free Capital validated into Universal Digital Capital to spend and send.

Scale is everything, and when it can start with something free with no interest or fees and never needs to be paid back, ever, then it's up to the ingenuity of the business entrepreneur as to how far they want to take it.

RingLink brings a unique level of decentralized distribution Online

Rings get established when a seller from a location lists their inventory and establishes a local economy in the Global Chamber of Economies  -  there will be thousands of Rings added to the Chamber of locations as new connections come Online, which will form a DOME around the world that everyone connects to  -  each Ring forms a Free Open Market Economic Zone - FOMEZ, which once established is there for all local sellers to automatically link to whenever they want to Outsource the Selling

Each unit of inventory records a timestamp when each of the micro-values are collected by users around the world, who, automatically connect independently to the inventory release  -  this initial connection with a user somewhere around the world begins the decentralization of each micro-value being associated with the Ring, FOMEZ location and seller, which is totally unique  -  the same unique connection occurs in reverse whenever a user uses that micro-value ( Cloud Capital / Cloudfunds / Free Digital Capital ) in their strategies as an OMM - Open Market Merchant.

Intersections and timestamps

When inventory is listed and the micro values distributed along the Rings to link with Users, there's a unique timestamp recorded at each intersection with other Rings that can't be changed  -  and whenever a value sent by a User it contains the history of each micro value that makes up the total amount being sent  -  the data collected from each movement can contain hundreds and even thousands of timestamps that are held on a ledger showing where the values have come from  -  and Users have access to the history of each payment and transfer of ownership and value  -  the data records are like the DNA of each movement from the origin and flow of values across the world  -  the migration history of money moving from economy to economy is something uniquely important for the future of economic growth.

The distribution of value across these economies is tracked in the Global Chamber of Economies, this is the collection of all the local FOMEZ economies and the activity that tracks the change of ownership across global Users  -  it records the movement of FDC and UDC when Users help in generating productivity with the Direct Foreign Digital Capital into various economies  -  Users individually benefit from the productivity that takes place in those economies  -  Users can become a new type of equity holders in local economies by collecting a range of locations where productivity takes place  -  Users can collect in any number of local economies around the world generating productivity, and unlike anything before users can even help generate new productivity in those locations by being an OMM.

Global workforce with a proof-of-work consensus

RingLink creates the connections from the time a seller lists their inventory to outsource the selling, where each unit of inventory is linked to the universal trading value that's distributed globally to Users collecting the FDC  -  the Global Crowd then use their individual strategies to transfer value and ownership via the Direct Foreign Digital Capital  -  what the Global Crowd is doing is individually selecting which economy, which industry and which product unit that they direct their strategy and value into  -  their effort is a proof-of-work that combines with others to form a unique global consensus in financing a seller's inventory.

This change of only outsourcing the selling price and not the manufacturing is a disruption to the tradition of using up cheap labour  -  but it's needed to stem the imbalances back inside developed countries that have gradually declined over the last decades with job losses, wage stagnation and increased indebtedness brought on by increased prices of essential household items and cost of living, basically the lack of local productivity  -  Localization.

Cloudfunding mechanics disrupt this type of outsourcing to the vulnerable countries by providing the local domestic manufacturing industries ( in countries that usually send their manufacturing elsewhere ) with a sustainable environment that has a competitive advantage on price against imported products outsourced to and from other locations.

RingLink tracks the change of ownerships along the supply chains and out into the general consumer world  -  tracking data is a key element of the overall Cloudfunding platform, which at its core has a similar economic model proposed in a past era that included a neutral central mechanism be used to track international flows of assets and liabilities  -  Cloudfunding in many ways is the modern version of such a model.

Cloudfunding protects the local domestic manufacturing and retailing with Localization along new Rails of Trade where Supply meets Demand with new Rules of Engagement.

Supply      New Rails of Trade      Demand

It begins with Users simply connecting with a browser or mobile on any number of devices that users want to begin with to collect the free Cloudfunds ( Free Digital Capital ), creating unlimited number of accounts  -  each of the accounts can help collaborate in strategies for particular deals or operate separately.

Sellers join a ubiquitous open global market

Sellers have relied on basic economic dynamics to sell Inventory but Cloudfunding changes all that with Outsourced Selling and Price Demand  -  instead of waiting for a single buyer to come to the store offline or online Cloudfunding gives the sellers a global marketplace to list their inventory to sell to virtual wholesalers who fully monetize the selling prices  -  before releasing it back to the sellers to then release it to their local buyers.

The change is the separation of the sellers and buyers directly interacting with each other  -  the selling is decentralized by the number of virtual wholesalers ( OMM ) who are incentivized through a distribution mechanism that draws on an international trading value to fully monetize each inventory unit.

Instead of sellers trading one to one with buyers, the inventory quantity is listed up to the RingLink where each unit of inventory is split into micro-values and collected by users around the world  -  each micro-value is then tracked during its 'spends' in the Outsourced Selling process all the way through to the release to local buyers who use Price Demand to compete to buy the products and services.

Automated Selling is here now

Cloudfunding removes the need for advertising and payment service incumbents by utilizing the universal trading cash that's continually validated by the sellers liquidating their sales with their local buyers.

Unlike the disruption in some industries when automation takes over, Selling along the supply chains from manufacturing to retailing gains a competitive advantage with Cloudfunding and Automated Selling with new dynamics that has cash sales ( no credit terms ), there's no advertising costs or discounting to worry about  -  sale personnel can now focus on Customer Service and be part of the business's Digital Sales Division.

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