Universal Wealth Of Nations - Building universal wealth in the digital economy

. . adds the 'missing economic infrastructure' to the digital economy!

Cloudfunding - reduces global debt, one deal at a time!

In simple terms: Cloudfunding captures the economic value of local seller inventories as true commodity-based money,
like the old gold standard, flowing along economic highways between local economies - tethered and interchangeable
with the local sovereign currencies, without fees, costs or spreads, in real-time - providing the universal link to the
many communities excluded from participating in the real economies of the world.

- it changes the economical landscape so everyone can directly engage in global commerce and trade, in the real economy!

For decades sovereign fiat currencies have been subject to inflationary periods that devalue the buying power of consumers

Cloudfunding offers a way of finding an equilibrium between supply and demand without all the collateral damage

- counters the cycles of inflation that harm consumers with the cost of living, and deflation that harms business profits.

Universal Wealth Of Nations is focused on the economic value produced at the production level through the division of labour
- whereas the financial sector is all about the exploitation and appropriation of the economic value, only after it's in circulation!

SODA - Subliminal Organically Decentralized Advertising

. . takes the economic value of things to a new level

Digital Advertising has always been unaccountable and opportunistic - Subliminal Advertising just gets Sales!

Free SIA - Subliminal Interactive Advertising flips the dynamics in Commerce

. . it means no more annoying ads, no more creepy targeting or surveillance

. . it means every product and service that can be priced, can be Cloudfunded

. . it means productivity is now the catalyst for economic growth in local economies

. . it means users are no longer 'the product' - users are now 'the stakeholder'!

Digital Advertising targets users - Subliminal Advertising sells inventories

Cloudfunding makes an important change to Commerce's mechanisms by separating the supply side from the demand side,
breaking traditional parity with selling and buying prices - this shift allows discounting to be moved from the supply side to
the demand side where true affordability is found with cascading buying prices - without affecting the full selling prices

Universal Wealth Of Nations uses the Cloudfunding economic platform to flip the digital advertising model around - instead of the
typical 'in your face' paid advertising - siAds fractionalize the full selling prices of local products and services, on a global scale,
into micro-values called Free Digital Capital - FDC, subliminally distributing those micro-values out to Opt-in global users.

FDC is free working capital, which is validated into a universally decentralized capital via a recycling mechanism that redirects the
aggregate demand payments paid by the buyers of products and services - sharing the buying prices ( aggregate demand )
with the users who 'allocate and strategize' their free working capital, to help monetize the next listed products and services
- with the validated neutral universally decentralized capital - UDC that's then able to be spent locally and across borders,
exchanging with the local sovereign currencies, without fees, spreads and intermediaries.

Subliminal Advertising changes everything

Users now have the tools to influence global productivity

The FDC is distributed randomly, with no limit to the amount of FDC that global users can collect - it depends on the number of deals and value a user wants to be involved with - and it's only limited by the volume of products and services that are produced globally ( GDP in the trillions per annum ) - all products and services are listed, tokenized and time-stamped on a global RingLink ledger that tracks movements from the seller to the buyer, along the supply chains.

Businesses with web sites can earn from the distribution of FDC by adding QwickPic Ready, which allows web site visitors to Opt-in and collect FDC while they visit - and the web site owners can earn whenever the FDC representing a product or service collected by a visitor in their bidding strategy is tracked to a product or service sold around the world - web sites connected to a sale share in the Location Activity Tax of the full selling price connected to each sale.

Global users collect the Free Digital Capital to use as free working capital in an automated bidding process that monetizes deals ready to buy - FDC takes up the bulk in the bidding strategies, but UDC - universally decentralized capital is the validated economic value that monetizes the full selling prices of products and services, before deals are released to buyers.

Buyers can only pay with UDC, which's what local sellers liquidate from their sales' revenue into local currencies with local users - there's an infinite loop created from the liquidated sales revenue, with new products and services continually being collateralized and monetized ready to buy - with the interested buyers incentivized to pay with UDC to gain from the cascading buying prices.

Commodity-based collateral is money - as each new unit of inventory's economic value is collateralized and monetized, it begins a journey that tokenizes each deal ( as minted NFTs ), carrying forward to validate and authenticate a final buyer's ownership - ultimately moving the economic values' unit of exchange into circulation - which, being neutral and universal, flows freely between countries, communities and individuals - instantly compared and inter-changable with global sovereign currencies, without costs - it's true economy to economy commerce without intermediaries, just as trade originally operated.

Greater volumes and greater scale - unlike Digital Advertising mechanics, where typically 2 to 10% of the total value of any inventory is transferred ( spent ) to advertising incumbents by sellers to entice buyers - Cloudfunding instead applies the full 100% value of an inventory's full selling price and uses that value to collateralize and validate the full selling value into a universal economic trading value - Cloudfunding is free for sellers, with the full 100% of the full selling prices' value monetized and paid to sellers, while the aggregate demand payments made by the buyers are distributed out to global market makers ( OMMs ) in local economies who helped monetize the inventory, increasing their local economies growth - given that global GDP is in trillions of dollars per annum, there's no limit to the volume of local productivity that can be generated into real economic growth.

Main Street SMEs - are the new decentralized forces that drive local economic growth - SMEs have always operated separately and often been the main group to pay the heavy price when the economic tide turns - now, an independent and decentralized collaboration of small and medium size businesses, can now take control by driving local productivity, using their inventories as part of a global collateral, that just sits idle in stores and warehouses waiting to be sold - any seller of products and services, from farms to retail shops, can get their inventories collateralized and fully monetized for free - taking advantage of maximum profits that filter back into local economies, while giving their local buyers greater buying power with affordable prices.

'Play 2 Earn' - Gamifying our future jobs and incomes

Decentralization can distribute economic wealth equally

The internet has been built around centralized 'gate keepers' using digital advertising to fund big tech enterprises - that's now being challenged by a decentralized business model that changes from the 'user is the product' to where the 'user is the stakeholder' - decentralized commerce takes away the need for the never ending stream of targeted advertising and surveillance, and replaces it with a better internet experience, like play to earn, where the user is the new driver of monetizing products and services, globally, and directly gaining a benefit for themselves.

With Cloudfunding, it's simply downloading a free app, and Opt-In to start collecting Free Digital Capital, to use as free working capital in strategies in a global bidding process that helps monetize global products and services - the users, known as OMMs - Open Market Makers can earn a share of the sales revenue ( aggregate demand ) of the monetized products and services when they get purchased by the seller's buyers - there's no obligation or surveillance, or any of that crazy Web2 targeted advertising tracking stuff - anyone can Opt-In or Out anytime collecting FDC, and participate in helping monetize a few local business deals, or participate in hundreds of deals around the world all at the same time, even down to countries, industries, or businesses.

Breaking down inequality and exclusion - users from anywhere can set strategies manually, or automatically allocate the FDC and set bids to help monetize global productivity - it can be someone in a village in India who can now gain some of the economic wealth from a buyer in the US, just by helping to monetize things that could have even been made in India - this is where the future of jobs will grow from, giving users a free business entity, where they can earn passive incomes, or build full time jobs operating independently, or collaborate with communities that focus on generating productivity in local economies that lack economic growth.

Play-2-Earn - The key strategy is to survive as long as possible during the bidding process so that the user (OMM ) can gain a bigger share of the final buyer's payment - which, because of the cascading prices option could be anywhere from 100% down to 20% of the full selling prices - these payments are the collective Aggregate Demand payments made by buyers throughout the world that gets shared with each deals' participating users, as income - it's a distribution of economic wealth that breaks all the rules of cross-border economic growth, and challenges the discrimination dished out to entire communities where . . 'an individual is a prisoner of the economy in which they live'.

For sellers, there's still plenty of competition from other sellers, with each seller wanting to gain the attention of OMMs - Open Market Makers - OMMs can favor different industries, businesses and local economies because of varying demand trends for the type of products and services - final prices paid by buyers could be trending low, therefore the payment amount to be shared by OMMs could be lower - this favoring businesses, products and services can delay monetizing by a few minutes, or hours, so businesses need to be on their toes with trends - it creates a true free market where sellers compete to get their inventories fully monetized through direct foreign digital capital ( DFDC ) from OMMs spread around the world.

Economic wealth distribution - the most influential distribution of economic value between nations and local economies is when OMMs direct their working capital towards sellers in different economies around the world - and depending on how successful the OMMs are, the bigger the share of the final buyer's payment they receive back in their local economy - this provides a new equilibrium of economic growth distribution between economies and nations - instead of central incumbents controlling an economy's economic growth, mostly via credit, and at the whim of individuals - there can now be a real time collaboration between global communities and local sellers and buyers that's democratic, and, have a decentralized self-interest in continuing to generate productivity, not just in local economies but across into other countries and economies.

Distribution of economic growth . . accountable economics brings a new equilibrium to Supply and Demand

The key in Cloudfunding ( Cloudalism ) is having the economic value of a product or service shift effortlessly from the seller to the buyer in exchange for Universally Decentralized Capital, which is indelibly tied to true value in the real economy, and governed by global users and productivity - the economic architecture behind Cloudfunding taps the current economic value ( productivity - sale of products and services ), and uses that payment ( aggregate demand ) as the capital that flows between supply to demand, between buyers and sellers in an infinite loop that continually generates new productivity - which, is opposite to the way the financial system creates credit and debt ( sells money, then takes it back plus interest ) in the hope that there will be productivity sometime in the future.

Safe Haven in times of economic uncertainty - as the changing economic landscape filters through the global and local economies, SMEs sit at the edge of an unknown future - this is the time where Main Street businesses are directly in-line to take the full brunt of slower and lower profits and revenues due to the higher interest rates brought on to combat inflation, leaving SMEs vulnerable and left to fend for themselves - Cloudfunding provides the mechanism for Main Street businesses to deal directly with the demand-side of local economies, regardless of having to carry the rising supply-side costs and slower sales revenue - this is where decentralized commerce provides a global 'safe haven' for SMEs, where the local businesses fully monetize their inventories without needing to discount and lose profits, just to get sales - Cloudfunding essentially gives local Main Street businesses a decentralized defacto local banking mechanism to deal directly with the local community - it's part of stimulating local productivity and keeping the local money supply within the local economies, with liquidity flowing between buyers and sellers through the sale of the local inventories - giving Main Street SMEs and the local communities a way to keep their local economies functioning while gaining full profits and offering the local communities affordable buying prices on products and services.

Price Demand finds true Price Discovery

Decentralized Commerce - maximizes profitability and affordability

Without affecting the seller's escrowed ( monetized ) full selling prices, the consumer has the option to activate Price Demand and take the advantage of the cascading buying prices, and pay prices they find affordable.

Sustainable consumer buying power - although it sounds simple, there's still competition, as soon as the interested buyer decides to activate the Price Demand deal, there's a 10 second delay in which the buyer can select to pay the full price - or wait to compete with other interested local buyers who have been notified during the delay - then it all comes down to who has preset a price, or clicks the Buy button first as the buying price cascades down to 20% of the selling price.

The final buyer's payments are part of the global Aggregate Demand that the platform directs back to share with the OMMs who participated in the monetizing process for the deal, proportional to the levels that the users achieved - this recycling of the UDC payments validates part of the participating OMM's working capital, allowing the OMMs to continue to monetize more inventories, or to withdraw and spend - for the sellers, the escrowed full selling prices are released once the buyers make payment and receive their product or service, which's recorded as a NFT as proof of the purchase and ownership.

All users are provided with a wallet account that operates as a peer to peer account holding the UDC needed to spend and send, which's constantly compared in the wallet holder's local currency value - accounts are funded by sellers liquidating their sales revenue - with local users completing the purchase settlements for the local SME's sales revenue, from UDC to the local currency - there's no complicated address to remember, or delays, it's simply connecting QR codes to verify recipients and authenticate payments - it's the neutral and free universal On / Off Ramp between the internet and Main Street.

Every SME can have a 'Competitive Advantage' over Amazon - the playing field has been tilted for years favoring Amazon with its Web2's centralized and predatory business model of using shareholder money to stay afloat to out-price and out-last the small local Main Street SMEs - that unlevel online / offline market can now change with every SME being able to sell at their full selling prices, even if local SME selling prices are higher than Amazons - local buyers can use the Amazon prices to compare and buy lower from local SMEs with their cascading buying prices, beating the prices offered by Amazon.

How It Works

P2P Payments - global remittances - no fees or spreads

There's a paradigm shift - Intermediaries have traditionally been part of the status quo moving local currencies between parties, as buyer-to-seller activity - now commerce is being decentralized to provide new rails for the economic value to move seamlessly without incumbents between buyers and sellers as peer-to-peer, and geo-locations - a new economic infrastructure simplifies global payments by tracking the economic value ( UDC ) movement while it's held by wallet holders and audited and validated via the decentralized RingLink ledger.

UDC is economic capital - it's commerce's true foundational ( money ) value moving freely between buyers and sellers within its own domain, constantly being compared with local currency values - it's traceable all the way back to its origin when it first begins as FDC before being validated to operate as universally decentralized capital, the world's first and only currency backed by the economic value 'sitting idle' in local economies - there're no fees or currency spreads when spending or receiving it in a wallet - wallets operate independently to the economic platform, which is specifically used for security tracking, auditing and verification, the base for authentication purposes.

Deleverage is now the only game in town - Debt has been the instrument used to build productivity and economic growth in most developed countries - now that credit and debt is so saturated in the lives of most developed societies - so is the realization that the once dominant middle class has disappeared and replaced with indebted families, that on average need two adults working to stay on top of debt - there is no escape unless there is a change where debt can be deleveraged so as to build affordability back into the cost of living - this is where Cloudfunding breaks the rules and separates the supply side from the demand side, so there's maximum profitability for the seller, and affordability for the consumer, simultaneously - and therefore reducing and eliminating any need for inflation - reducing the friction in commerce with a freedom for the economic value to move ubiquitously between economies, which overall increases the velocity of the local money supply and stimulates economic growth.

The difference between selling and buying prices is absorbed within the overall movement of economic value between local economies and countries - it's where a backend algorithmic process adjusts focus between multiple economies to maintain a better equilibrium between surplus and deficit balance of payments through the redirected Aggregate Demand - which is UDC being constantly recycled back from product and service sales to the OMM network to monetize new productivity.

Economic value-based money is the new Gold Standard - this unbreakable tie between UDC and true global productivity is governed by global supply and demand, and trackable back in time, in minute values - it operates similar to the old 'gold standard' model that backed value moving around in an economy - only this time the UDC ( economic ) value can operate globally, and be tracked and constantly tied to real productivity in local economies, in real time - it's capable of being used seamlessly as a means of exchange with sovereign currencies across global economies without costs or spreads - UDC cannot be created into existence like fiat and crypto, it can only be generated and validated by its indelible connection to productivity, the true economic value and foundation of all economies.

We're moving into the let them eat cake era in many countries where central banks and governments will continue to hand out free money and adjust taxes and increase the cash rates to try and help off-set inflation and the rising cost of living, adding to the government's debt, instead of working more on real productivity to help raise wages in line with economic growth - in the years ahead, three words will exhaustingly be mentioned by governments and policy makers when explaining a nation's economy: inflation, deficits and austerity to explain why the living standards are decreasing - for individuals of any nation, there's little that can be done other than to go along with the rise in the cost of living, the service cuts and increased taxes, unless there's a change.

Decentralized individuals can challenge the status quo - what Universal Wealth Of Nations changes is having the economic platform for individuals to take matters into their own hands - to collaborate democratically with others across global communities, where a decentralized effort can make a difference by building out the new digital economy, based and governed on real productivity - where economic ( capital ) value can be shifted and balanced democratically in a new equilibrium of global economies, that will ultimately reduce public and private debt in local economies - while preserving and building genuine wealth into local economies from the grassroots up, tapping and collateralizing the trillions of dollars in "idle economic value" circulating annually in global GDP.

Balance of Payments - Trade between nations is treated differently to trade between local economies in the same country - with subsidies and currency manipulation often playing a major part in helping the exporting nation gain the advantage in receiving more foreign reserves - but this often leaves the importing businesses of the exporting nation with higher importing costs that get passed onto consumers ( hidden inflation ) - Cloudfunding challenges those mechanics of commerce and trade by giving businesses and consumers, of any economy, the advantage of trading with economic value in a true free market environment - it dissolves the friction caused by currency fluctuations, even dissolves the imported inflation from another market through the higher prices of products - it solves it by importing and exporting a stable economic value ( constantly compared with sovereign fiat currencies ) to gain a better equilibrium between trading countries and local economies, all the way down to local retailers and consumers - it eliminates the need for retailers to discount their margins just to gain sales, instead price discovery is given to the consumers to find the real demand through Price Demand and its cascading buying prices, without it affecting the seller's full selling prices - those full selling prices are linked to the Global Price Index - GPI, which calibrates any increase of selling prices based on the true real-time buying price demand, reflected across the real economy.

Decentralized hedge against inflation - with prices of virtually everything going up in recent times, and most likely for the foreseeable future, the present 'system' has little to offer individuals, other than to 'suck it up' and reduce spending - and there's little hope of increasing wages any time soon after wages have stayed stagnant for decades, while the supply side costs are continually increasing - the decentralized mechanics of Cloudfunding bring a modern approach to bartering for consumers, without affecting the seller's full selling prices - it's a paradigm shift in Commerce that gives every business the opportunity to stay profitable while having to combat increasing supply prices - all the while still giving consumers the chance to buy at prices that they can afford - to hedge their cost of living against inflation.

Queen Bee Loyalty Program

Economic Equity Stakeholders in local economies

Universally Distributed Incomes driven by local productivity

The Universal Wealth Of Nations provides all global users with a Universally Distributed Income ( UDI ) that grows as productivity is generated in each local economy - it gives users the unique ability to collect any number of Location NFTokens in any listed local economy - earning a share of an activity tax from every product and service sold, while also being part of the Open Market Maker network that helps generate that productivity in those local economies.

UDI portfolios offer the user a way to set strategies that benefit from the linear growth of economic value built from productivity in the local economies - as users buy Location NFTokens and the value increases from the initial price, that increased value is a surplus value that can be spent or sent, without it affecting the NFTokens initial price, or its earning power.

The strategy for stakeholders is collecting the right amount of NFTokens in the trending local economies without diluting the shared value - if too many NFTokens are minted by users in a slowing economy it can reduce the share of activity taxes - the strategy then for a stakeholder is to decide if they want to help increase productivity as an OMM, or liquidate some of their holdings and shift their focus to other locations, and help build that local economy's productivity - this creates a never ending effervescence of productivity across the many thousands of Zip / Post Code locations and their local economies.

. . expand

Risk averse linear growth - There's a flow through of economic value when stakeholders add Location NFTokens to their portfolio - the NFToken payments are directed to the active local businesses in that local economy - stakeholders can select a business or all businesses in that local economy to share the payments, as free grants, to boost their business revenue, and potentially increase their productivity - and ultimately sharing the gains with the NFToken stakeholders - this is where incentive of free funding keeps local businesses listing products and services, adding more growth, pushing up the price and earnings for those stakeholders holding the NFTokens.

Universally Distributed Incomes are structured as a basic income for all global users with the overall aim to provide an income source derived from global productivity, and to off-set the negative yields that are becoming the norm in many financial markets - just as savings are being eroded by the debasement of local currencies - with the universal economic value tied to genuine global productivity, it's more ideal to use UDC as a means of exchange - it allows the local money to stay in circulation to gain velocity, continually moving between consumers and businesses, stimulating even more local productivity.

A neutral universally distributed capital is needed to maintain a stable value in real time across all global and local trade and commerce - it counters the need for countries to speculate and manipulate their sovereign currencies to gain an advantage in trade and balance of payments over other countries - UDC maintains its consistent value by linking to a basket of global currencies, giving businesses and consumers a reliable value.

Stakeholders Verses Shareholders - Where the difference sits between economic equity stakeholders and company shareholders - is that shareholders are passive passengers ( after initial funding ) and are there to extract from company profits though dividends, without adding value to the local economy - whereas, economic equity stakeholders in local economies have a self-interest in helping generate economic activity in local economies by being an OMM - as well as directly funding businesses in a local economy when stakeholders buy Location NFTokens - gaining a share of the aggregate economic value demand produced by the multiple businesses, without extracting economic value from businesses, or the local economy - the Location NFTokens are non-tradable and non-transferable.

Local economies, and even small states and nations, now have an opportunity to attract economic equity stakeholders, and get direct ( economic ) capital to fund various local projects - Cloudfunding basically provides 'free grants' for all types of projects that can be built to add economic growth for the broader local communities, requiring no repayment - stakeholders gain from the overall productivity generated from various local businesses and industries operating within the local economy, such as tourism - with accommodation packages and all the peripheral services that go along with holidays - then there's the local sellers with everyday products and services that are monetized and sold to the local community at affordable prices.

Igniting local manufacturing in any size economy - Local manufacturing becomes viable with Cloudfunding using DFDC ( direct foreign decentralized capital ) flows to monetize local labour and products - to sell locally and internationally with price demand's cascading buying prices finding the true sustainable market fit - with fair competition coming down to the quality of products and efficiencies in the supply chain logistics, which become the real challenges to meet the market demand.

Localization across all size economies - Where Cloudfunding changes the dynamics of local commerce and trade, is specifically with the local Main Street businesses being able to utilize the foreign involvement of a global community that can fully monetize the local products and services, regardless of the isolation of some communities - changing the mechanics of local trade between a small business and local community buyers by involving direct foreign decentralized capital, creates a stimulus to the local economy without any debt hanging over the local communities, as with FDI ( foreign direct investment ) - it specifically provides the needed boost to economic growth by moving products and services between buyers and sellers, without conditions and debt, and importantly it raises the velocity of the local money supply, without any monies leaving the local community and economy.

The platform does not operate as an ADI, it neither collects, holds or transfers any sovereign currencies within countries or across borders - instead, economic value is freely transferred from nation to nation and economy to economy, through pro-active stakeholders and Open Market Makers.

The move from a centralized Web2 to a decentralized Web3 is inevitable

Universal Wealth Of Nations with Cloudfunding's economic platform brings to sellers and consumers a new era in Commerce - by having a digital economic infrastructure that fully monetizes local inventories for sellers, and provides consumers new buying power by decentralizing Commerce's mechanics.

Apart from the obvious, it's a game changer, and an Amazon killer-threat that's now in the hands of local Main Street SMEs - with a competitive advantage, combining the real economy and digital economy on a level playing field - and it challenges Web2, and its reliance on digital advertising, where big tech has held an iron grip on its one-trick-pony business model.

Web3 is a change in direction from where the internet was heading, where businesses and consumers have both been used by centralized big tech, with their surveillance capitalism and reliance on advertising's billion dollar industry to fund their growth - now, a decentralized and democratic economic infrastructure is able to tap the multi-trillion dollar trade ( GDP ) markets, and focus on reducing inequality between local economies, and build out the wealth of nations.

Cloudfunding and Decentralized Commerce doesn't only solve the distribution of economic wealth across nations with a decentralized global consensus - there's also the built-in global consensus where the decentralized node network operates independently under a set of laws and rules, to act as the validators securing each and every transaction of value and authentication between buyers and sellers - eliminating the delays and heavy reliance on centralized exchanges and rent-seeking intermediaries.

" Now, local economic value is universally issued, owned and governed by the people, for the people

. . to fully monetize productivity across global commerce and trade! "

LED - Local Economic Distribution Hubs - Plan Levels - Zero Emissions

. . there's now a new narrative around economic distribution!

There are now 2 worlds!

. . with the new digital world tapping
the old world of its economic value

Cloudfunding isn't about currency trading, it's all about global commerce and local economies!

Your Location.ChamberOfEconomies.Online yourlocal.chamberofeconomies.online

Claim a Zip or Post Code for naming rights to a local economy

Be first to claim your local economy!

Any local Seller can be the first business or group of local businesses to claim their local economy and list their local town, city or region
onto the Decentralized Local Economic Market Index, as part of the Global Chamber Of Economies.

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. . more about Universal Wealth Of Nations

. . Cloudfunding local economies

. . finding true price discovery with Price Demand