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Universally Decentralized (economic) Capital
Local communities and economies own the universal economic value

    QwickPic           QUIK-Pics
    Search               Business

    QwickP2P          QwickP2P

Global Commerce Payments are taking a giant leap forward!

Payments at brick and mortar stores haven't really seen any major changes in decades.

One payment form that hasn't gone Online is Cash Payments  -  now Universally Decentralized Capital - UDC is Online.

It's universally distributed capital capable of ubiquitous commerce while being constantly compared with local currencies

Where UDC differs from fiat currencies is that it captures the economic value of local inventories as a unit of account

It then interconnects local economic values in other local economies around the world, forever comparing with local currencies

What's different is its peer to peer ownership, so it has no third party incumbents, as it intertwines across local commerce

What's been common at the "local corner store" is now possible with UDC  -  with fee free Online Cash Payments.

UDC fits into the traditional cash economy that's moving to mobile payment with a neutral universal economic value.

UDC - is decentralized currency flowing ubiquitously from economy to economy

.  .  as the people's neutral universal money!

UDC is a universal decom-currency  -  universal decentralized commerce currency


QwickP2P Mobile

" Cloudfunding does for modern economies in tokenizing the local economic value                                 

                                        .  . 
as what the invent of coinage did for commerce and trade in ancient times! "
" 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! "
It provides new rails in which the economic value moves from one economy to another  -  as a globally distributed capital

.  .  stimulating productivity and raising the velocity of the local currencies without shifting the money out of the local economy

Its architecture is designed to operate as a neutral economic value moving between Supply and Demand, exchanging Ownership

-  UDC's value is stable due to constantly being compared to a basket of global currencies

-  It's not a speculative value that's tradable on exchanges  -  it gains linear value via productivity

-  Productivity is key to economic growth  -  especially when it's shared in UDI Token Ownership

No local currencies are held or transferred  -  its role is to raise the velocity of local money supplies via local Commerce

Unlike Cash, UDC is fully traceable to 14 decimal points, providing deep security tracking of Ownership and activities

UDC offers P2P remittance exchanges from economy to economy, from currency to currency, without fees or spreads

UDC - commodity money linking Main Street and e-commerce!

UDC architecture

UDC is fully digital for the new economy, it's built specifically to operate Online without ties to legacy systems and rent-seekers

Cloudfunding's economic platform infrastructure taps the economic value in local economies to use as the means of exchange

It decentralizes the economic ( productivity ) value generated in local economies, spreading it globally without a central control

UDC is part of ComTechX ( Commerce and Technology ), with a strategy that shifts away from the feudal rent seeker system

It sits above FinTech, the new subset of the banking system that just adds a tech layer but still follows the same banking path

Validating FDC into UDC
        .  .  in less detail  >  >   <  <  back

UDC is validated by aggregate demand under the Productive Standard, similar to how the Gold Standard operated

UDC is a true Cashless system  -  it doesn't hold fiat currencies as collateral  -  it leaves the cash to circulate in local economies

UDC is the digital form of the economic value ( EV ) of local inventories moving around in Commerce between buyers and sellers

UDC disrupts the status quo by directly monetizing the digital economy with new economic Capital flows  -  flowing in e2eCommerce

Merging Productivity and Advertising dynamics set the UDC ecosystem  -  with an international economic trading unit of account

UDC flows ubiquitously along the Global Public Economic Utility Network connecting communities in a totally new economic alliance

"Currency by itself is only a means to exchange inventory but has a value that is regularly flaunted, whereas
the economic value of inventory has an intrinsic value, that, as a currency, is constantly governed by itself!"

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Free trade payments between countries

Free to use medium of exchange

UDC validates exchanges of products and services  -  as a free to use P2P medium of exchange

UDC operates as a neutral medium of exchange with no fees or spreads  -  it means it doesn't dilute in value due to fees

UDC is not a speculative store of value  -  its stable value is locked to the aggregated ( basket ) value of global currencies

No currency exchangers or traders are required or permitted to handle UDC  -  as a neutral global economic value

-  its role is validating exchanges of Ownership of goods and services while comparing with local currencies

-  tracking and validating Ownership of UDC as it moves from peer to peer  -  on RingLink technology

-  keeping record of the exchange of UDC value Ownership down to 14 decimal points

-  and validating the economic stimulus directed into local economies via DFDC

Balance of Payments
Dual validation  -  Proof of Trust

UDC has a unique dual validation when it comes to the intrinsic value backing the universal trading unit of account

When Sellers liquidate sales with Pay It Forward, Now!, it triggers a dual process within the dynamics of Commerce,

-  the liquidation is validated by a Seller exchanging UDC for a Buyer's fiat currency, which's backed by a sovereign state

-  and when UDC is validated at Points of Sale between Buyers and Sellers exchanging UDC for products and services

Sell It Forward, Now!                          Pay It Forward, Now!

Where a Cashless society begins

This positions UDC as a true stand-alone medium of exchange  -  there are no fiat currencies held or transferred by the platform

-  all fiat currencies are exchanged between Buyers and Sellers, leaving local cash to continue circulating in local economies

Trust and transparency is paramount in bringing UDC Online  -  unlike cash, UDC is traceable from the time it's validated

Until now Online payments have only mirrored the way things operate Offline, bringing with it the obvious security issues.

Credit cards have filled an Online payments void but with it came a level of fraud that's exponentially higher than Offline.

New Capital Flows

Cloudfunding is an autonomous decentralized platform disrupting legacy systems by removing the indebtedness forced on users

Cloudfunding instigates a new path that's fully governed by productivity  -  it can only scale by the user's democratic consensus

Cloudfunding has a two-tier infrastructure that benefits UDC Owners with additional Capital flows from a wealth tax distribution

The interlinked platform applies RingLink technology to link users around the world without having borders or needing incumbents

What RingLink is giving is a new distribution of economic stimulation that can move seamlessly from economy to economy

RingLink infrastructure applies new rails in which economic stimulus can move UDC freely across borders and link to local economies

Free remittances between countries

Secure and decentralized

Unlike fiat currencies, UDC has a fully autonomous and quantifiable intrinsic value that's backed by real-time global Productivity

In the past Gold was used as the backing of currencies but that's not feasible today, but linking to global Productivity is

-  by validating real-time Productivity with a decentralized network that reverses the traditional centralized monetary system control

UDC securely operates between Users exchanging back and forth, just as cash moves between Buyers and Sellers without fees.

The important difference with the UDC payment system is that no local cash is held or transferred across borders between Users

This uniqueness is a seamless transfer of assets and liabilities ( UDC value ) that's tracked as an international unit of account

UDC can't be manipulated or speculated to distort its value  -  the aggregation of global currencies determine the UDC real-time value

In a true cashless society a neutral international digital cash avoids currency wars and offers a safe haven during recessions

Countries will try to implement a digital form of fiat currency  -  however with the same control, it offers little benefit for society itself

Modern banking's economic theory has diluted buying power with fiat currencies  -  aggregated UDC avoids those deflationary issues

Trading with a neutral UDC allows for a stable value to be exchanged and compared with local fiat currencies in real time

Freedom of new Capital Flows will change economies

Cash has never before been able to be tracked in such detail as with UDC Ownership  -  down to 14 decimal points

Each decimal unit of UDC is retraceable back to its validation and authentication as a legitimate medium of exchange

-  giving Direct Foreign Decentralized Capital the freedom to move globally, helping to stimulate local economies for free.

There are no fees for either Buyers or Sellers, globally  -  and no currency exchange fees or FX margin spreads.

This change in how Capital securely flows across borders revolutionizes global P2P remittances between countries

The Capital flows freely from economy to economy - e2eCommerce, with micro-values authenticated at both ends of transfers

User accounts are held with QwickP2P for the purpose of tracking and recording the exchange of Ownership details.
    QwickP2P - Pay Here    
QwickP2P doesn't hold any money  -  fiat currencies are exchanged with the global digital cash trading currency.

This exchange of a Universally Decentralized Capital with a national currency means the fiat cash remains in local economies

A cashless environment only needs to compare and validate against the values of global fiat currencies, not hold any

There's no transfer of cash outside the physical exchange between a Buyer and Seller with Pay It Forward, Now!

           -  only the digital cash Ownership is exchanged between Buyers and Sellers, securely recorded and tracked.

           -  it's now a cashless world, with Digital Ownership moving ubiquitously from User to User  -  Peer to Peer

A new frontier for global payments and new territory for economies

With digital cash being exchanged with local fiat currencies and between countries, it's a truly universal

UDC operates at the e2e level, above the commerce level where B2B and B2C players interact with fiat currencies

Instead of being limited by money suppliers, UDC operates above, only needing to compare values at Points of Trust

The fiat cash currency is exchanged at a POT to liquidate online purchases that Sellers hold as online digital sales.

The cash is exchanged from Buyer to Seller to complete those sales, just as cash sales have done for centuries.

This means the Seller will hold the fiat cash and the Buyer is in possession of the exact same amount in digital cash.

Real time tracking of the UDC Ownership from Buyer to Seller is the future of a secure commerce payment system.

QwickP2P completes payment for sales released on QwickPic by Sellers within a global commerce environment.

The disruption and solution has been to envelope the complete commerce activity from start to finish on a single Platform.

While QwickPic offers the products and services  -  QwickP2P makes it simple with frictionless payments.


Cloudfunding Layout

How it works
Cloudfunding Exchange

Commerce Payments are being reinvented for the 21st Century

Universally Decentralized Capital operates between all fiat currencies, allowing it to be compared and seamlessly exchanged in real time, this gives UDC the ability to be exchanged within any country as easily as spending the local fiat currency during commerce,

-  the disruption is that Universally Decentralized Capital is a neutral digital trading cash, which's exchanged between Buyers and Sellers using a mobile or desktop, free of any fees  -  just as Cash is physically exchanged between local Buyers and Sellers, free of any fees.

Only the exchange of Ownership is recorded on behalf of the two parties as they exchange value for product around the world.

This is a global innovation to how online payments have always worked, typically a middleman intercepts and holds the value for a fee.

Now the digital value remains in the hands of Buyers or Sellers, just as physical cash is held by a Buyer or Seller during a cash sale.

All productivity exchanges between Buyers and Sellers are tracked and recorded in real-time on the Global Productivity Grid.

Win discounts and be ready to spend

QwickP2P sits in a position where it can provide a payment processing model with unique advantages.

There's a great advantage of QwickP2P Deals that have 80% discounts, which can be stored ready for purchases.

Like all activity on the platform there're no banks and no credit cards, so no chargebacks, it all happens in real time.

It's simple for Sellers to add QwickP2P as a payment option, either in brick and mortar stores or on websites.

Discounts are won by Users bidding for QwickP2P Deals using Cloudfunds  -  each Deal is limited with the number of bidders.

QwickP2P Deals are different to Deals that Buyers bid to win products and services, QwickP2P Deals are set with a monetary value

-  but still have the same features with Buyers bidding a maximum 20% ( 80% discount ) while Sellers receive full 100% selling prices.

-  anyone winning Deals for products and services can still convert Deals over to use the value at QwickP2P  -  Pay Here stores.

Why have QwickP2P Discount Deals?  

-  With the demand and competition to win or buy the LA Deals it means there will be many who miss out on getting their hands on them, so QwickP2P Discount Deals help to multiply the chance of winning Deals.

With QwickP2P Deals an account holder can set strategies to win any number of Deals, then with the winnings pay for products or services at a participating store  -  paying the full price with the discount automatically applied to the Buyer's purchase.

QwickP2P accounts can continually be updated with winning Deals, it gives Users an account that has the discount level moving up and down depending on how often Users compete to win Deals  -  it leaves the User to decide how big they want their discounts.

The Buyer is gaining the buying power by shopping at stores with the QwickP2P  -  Pay Here and the Seller gains full priced sales,

-  both Buyer and Seller are helping to turn back the clock in their local economy.

Over the last decades there's been a supply of credit that creates the incentive to buy, at a cost

                                -  QwickP2P and QwickPic supply the discounts that creates the incentive to buy.




QwickP2P  -  Pay Here brings forward the future of Digital Capital and Digital Payments with a Platform that solves global inequality and global debt with a Payment System that's ubiquitous and free  -  it's built to drive global productivity using everyday commerce.

It can be used to buy groceries, fuel, cinema tickets, airline tickets  -  at hotels, restaurants, anywhere that cash or cards are accepted

-  each time that it's used the Seller is assured of the full payment without any fees and the Buyer or Spender has the option of selecting the QwickP2P Deals account to get the automatic discount of around 80% off the purchase, without it affecting the Seller.

As an example:  a Seller at a brick and mortar store could list a range or have all their inventory on the platform listed at full prices

-  a local Buyer sees the QwickP2P  -  Pay Here in the window as they walk past the store and decides to login to see what's available

-  Buyers can enter the store and select what items they want, and then proceed to the check-out, it can be done fully online as well

-  the Buyer can either list items as they're collected off the shelf and add them to their Seller's Cart while on their mobile

-  at the check-out the Seller only needs to check the items in the basket while viewing their QwickP2P Seller's Console to verify, and then proceed to accept the sale, everything is automatically exchanged, just as if cash was handed over at the register.

A Buyer's QwickP2P account has two balances, one holds the full value of the QwickP2P Deals that the Buyer has won and collected, and the second balance holds the discounted value paid to win those Deals,

QwickP2P can be used for all types of products and services even to pay for a taxi    QUIK-Ride

Maybe just a simple payment at the local store that offers the QwickP2P  -  Pay Here   QwickP2P

-  the amount of the purchase is based on the full prices with the discount balance reducing accordingly.

-  the full price is debited from the Buyer's account holding the full value balance and debited from the discounted balance immediately the Seller accepts the sale, with both Buyer and Seller accounts being updated in real time.

The Seller's QwickP2P Payment is then able to be liquidated by using Pay It Forward, Now!.   QwickP2P

The two different QwickP2P accounts, one with the full value of UDC and the second account holding the QwickP2P Deals can be merged so that there's an aggregated 'discount' mixed with the full value that can still provide a varying discount with any purchase.

As with all activity on the Platform there's no tracking or cookies that throw ads about products or services without the Buyer specifically requesting to be Notified of Deals  -  Buyers are free to shop without feeling that they're being watched.

Seller's options

The Seller can list a limited range of products or list a store's inventory at the full prices  -  as Buyers see that the QwickPay is accepted at the store the intention to buy multiplies because of the automatic discount they can use.

With many Sellers there are products and services listed with discounts, so by using QwickP2P the full price that's been listed on the platform is gained by the Seller and not the discounted price that other payment methods use.

As with all payments paid by a Buyer, and, received by a Seller there are no fees charged for either party.

The incentive for Sellers is the real time that payments are received without any fees, and the increased demand that 'low priced' products and services can have when locals start 'talking about them on Global media'.

All businesses can use QwickP2P Payments - from groceries and events to doctors and lawyers.

Businesses are able to use QwickP2P as a marketing strategy for new customers by the business using their Queen Bee link as the entry point and gain from the customers' activity, as well as sending QwickAlerts silent notifications from their Our Store.

There has always been the Seller's Dilemma where the Seller doesn't want to cheapen their products or services as it could lead to an expectation from Buyers to wait until there's a sale, this can be more so with luxury items, such as in fashion.

QwickP2P  -  Pay Here solves that with the Seller listing their inventory at the full Selling List Price and so always receiving full prices, without knowing what discount the Buyers are getting.

Buyer's options

For Buyers who want to take advantage of a broader number of Sellers and products they need to compete to win deals that are released.

Each User has an Account for Deals that can be used to collect winning deals, which are uniquely fair and equally available for anyone to compete for  -  the unique bidding process means that any amount of deals can set to bid for automatically.

Buyers have Cloudfunds to collect as their free working capital by viewing QwickPics and using the Cloudfunds to set the strategies and just leave them to bid automatically if and when it's needed.

The number of QwickP2P Deals released is governed by the volume of products and services listed on the platform by Sellers around the world, the amount of Cloudfunds therefore multiplies to provide Buyers with the free working capital to set strategies.

With the volume of QwickP2P Deals being released Users can build teams to help with the bidding process to help collect the Deals.

As with any payment the Buyer usually knows how much cash is in their wallet or how much is on their card  -  now QwickP2P shows a Buyer how much discount they get, without the Seller even knowing

-  the amount of discount in the QwickP2P account could be from 0% to 80%, it's up to the Buyer to set their strategy.

QwickPay Deals have benefits like when out at a restaurant with friends and it's time to pay the bill
-  QwickP2P Deals can be used by one of the group to pay the bill and split the amount, then or later   QUIK-Ride   -  the payer gets the benefit of receiving the full bill payment split from the rest of the group and becomes a Hero without anyone knowing.

QwickP2P Deals are not transferable.

How to gain the best Buying Power

QwickP2P Deals are open for all registered Account holders to compete to win Deals, there can be strategies using friends and family as teams to help win deals.

Users all have the option to earn Cloudfunds and use them to set strategies in as many Deals as they can handle.

Here's an example of some Deals during the Lead-up Time when strategies can be changed  -  Deals can be set up and left to run.
Any Deals that are won can be converted over to the QwickP2P  -  Pay Here account ready to spend at the local store or online.

Businesses and Brands now become a value added asset to the New Economy by supplying the products and services, which are validated as Free Digital Capital  -  part of the solution in driving 'productivity' forward in the Global Markets.

                                                             Turn Back The Clock

Supply is the important beginning of the productivity cycle, so it's more logical to smooth the path for businesses and brands so they can be a regular part of the Digital Era, and not always be relied on as the cash cows to keep the lights on.

The use of Cloudfunds to set strategies is key to leveling the various economic circumstances that exist between the various locations of the Global Crowd  -  the free Cloudfunds is true money that's used as a financial tool to increase demand.

Cloudfunds is the free working capital that drives demand  -  it collaborates with UDC, the digital cash trading currency used to buy products and services.

New Scalable Digital Economy

The infrastructure of the New Economy has been built around the individual with a basic mobile phone, aided with the tools to be an equal part of the Digital Era and the global economy, no matter where they are located in the world.

The New Economy will sit primarily on the mobile ( and desktop ) and be assessable wherever an individual is located, it will be assessable to all the main utilities a person uses to conduct their lives, it will create an environment where earning in the New Economy will be much more in line with a frictionless balance with a person's 'wealth value', and the cost of their 'standard of living'.

Most countries will miss the transition or totally underestimate the Digital Economy's impact, which's why ComTechX took the steps to develop what was then the unknown future blueprint of how a Digital Economy would be structured.

All countries have their own agenda to look after the interests of their people, the New Economy sits in between all countries as a neutral software based entity, it's evolving into the Global Trust entity with a mandate to secure the individual Ownership of digital cash for all global citizens, it's an entity that as a not for profit NGO service is able to monitor all activity from a neutral position.

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?

QwickP2P   '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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