building an empowering ecosytem for everyone
Person To Person
UBIQUICOIN Transaction coins will be fully liquid because they will be 100% backed by cash and cash equivalents and stable in value. Due to extremely low price volatility they will become an excellent vehicle for person-to-person payments. UBIQUICOIN will offer mobile/desktop applications, allowing coin holders and non-holders to make transfers instantly across borders via UBIQUICOIN private networks. Coin holders and non-holders will also be able to transfer funds via the ACH banking backbones, swift mechanisms, through ATMs, and as fiat cash transactions. It will also possible to position funds for pickup at foreign financial institutions and private institutions. Coin holders will be able to pledge funds for payment and then remit when certain conditions are met by the intended receiver. For anonymous transfer via private institutions, funds will be delivered only upon receipt of passphrases. In short, UBIQUICOIN will offer the most flexible, fastest, and most efficient means to make transfers across the globe.
Aside from debit card access for Transaction Coin holders, UBIQUICOIN will provide other opportunities for consumers to spend directly with merchants on- and offline. UBIQUICOIN mobile/desktop applications will be available at points of sale offline, and Transaction Coins will be accepted at points of sale online. UBIQUICOIN will offer merchants reduced discount rates and immediate conversion to fiat currencies, incenting them to accept UBIQUICOIN Transaction Coins.
UBIQUICOIN will offer debit card access with no daily limit to Transaction Coin holders. Coin holders can spend freely, worldwide, at perfect interchange rates and at ultra-low fees. Through UBIQUICOIN mobile/desktop applications, coin holders will be able to manage their debit card access, fund debit card transactions, and even transfer funds to non-coin holders, all in an ultra-secure environment. UBIQUICOIN debit cards will be accepted in virtually any country, at virtually any merchant, at virtually any ATM, and will be issued from one of several countries, dependent upon maximum usage potential for the coin holder.
Coin holders will have access to over 20,000 mutual funds and ETFs in the United States and over 53,000 mutual funds and ETFs outside the United States. All our investment products will be offered with no transaction fees or account minimums. Along with this unprecedented access to worldwide investment products, coin holders will also benefit from the advice of professional money managers and mutual funds, with no commission charges or minimum investments. So, regardless of where coin holders sit in the socio-economic strata, they can now invest in their futures through world-class investment opportunities, at ultra-low price points, suitable for small and large investors.
Coin holders will be able to access credit across international borders with minimum fees and waiting times. As a capital transfer service, UBIQUICOIN's micro-loans, which are based on fixed value and liquid Transaction Coins, are designed to serve the unbanked and underserved in worldwide financial systems previously unavailable to them. By maintaining a pool of lenders that is comprised of other coin holders, private institutions, and UBIQUICOIN, prospective borrowers will be matched with the lender who offers the requested amount at the best possible rate. Borrowers will be able to use their coin holdings as collateral, and make payments to the lender with fiat currencies or coins. There will be restrictions imposed regarding amount or repayment timeline with coin holder to coin holder micro loans, and no restrictions based on geo-location. For those regions where interest payments are not allowed, UBIQUICOIN will offer revenue shares to lenders as incentives to participate in our lender pool.
Access to good health care is hampered the world over by impediments to availability and affordability. UBIQUICOIN can do little, currently, about access, but we can endeavor to assist with health care costs. Through no-transaction fee investment services, coin holders will be empowered to save for health care costs in investments that have the potential to increase in value. In a growing number of countries, these savings will be able to grow tax-free when invested properly and in accord with prevailing regulations. UBIQUICOIN offers saving vehicles that adhere to these regulations, and that can then be accessed by coin holders regardless of their regional location or socio-economic standing.
As with health care, world-wide access to education is hampered by access, gender, and cost. UBIQUICOIN can do little, currently, about access or gender issues, but it can endeavor to assist with cost coverage. Through no-transaction fee investment services, coin holders will have the option to save for educational costs in investments that have the potential to increase in value. In a growing number of countries, these savings will grow tax-free when invested properly and in accordance with prevailing regulations. UBIQUICOIN will offer saving vehicles that adhere to these regulations and can then be accessed by coin holders regardless of their regional location or socio-economic standing.
The charitable industry has been plagued with persistent problems for years. These problems prevent many people from contributing as much as they otherwise would and, in some cases, even prevent people from donating at all. UBIQUICOIN will address these systemic problems through its community empowering blockchain. To build trust, we’ll offer transparency, reduced transaction costs, and full integration into cryptocurrencies and fiat currencies. Those who donate will gain access to a comprehensive record of fund disbursement by the charity. By eliminating costly third parties who would normally administer funds movement, we will significantly reduce costs and increase efficiencies. And by integrating fiat currencies with cryptocurrencies, we will significantly extend the reach of charities and the opportunities to donate to them.