EFTA02496888

From: Sent: Saturday, June 20, 2015 7:23 PM To: Jeffrey Epstein Subject: Talk? > Starting to get a lot more momentum Found a tech cofounder to write and manager coding and tech side (former Goo=le coder) Need someone to discuss hard stuff related to banking and money movements - e=olved since we discussed churches as banks Now more consolidated but disruptive In between peer to peer and institutional lending Basically occurred to me that I should just make digital what was already ha=pening socially all over Africa (that We helped grow w Billg's money) Then realized that same concept also applied for churches and in countries w=traditional leaders Want to do a comms + lockbox app working across all phones that turns leader= into banks - built in credit taters and also sources of resource collectio=. Super transparent and leaders want to be leaders so they will compete Formalizes and upgrades what slumdwellers have been doing for years and impr=ves on my former concept of metafinance Stuck on a few things but know there are solutions since it works in real wo=ld Everyone wants a solution that isn't linked to a telco (your money gets trap=ed w telco) but still transaction sizes as individuals too small to care bu= if you aggregate at level of leader and make them a bank.... Leaders as lockbox bankers - goes to scale almost immediately based on how m=ny ppl they lead - esp w churches Make the transactions free between leaders and communities - and write code s= the phones and comms app works off grid W lousy old phones so only leaders=need smartphones (eventually they all will have) So then you are huge on grid/off grid comms network and biggest leader-to-pe=r lending network that is connected by nodes (leaders) --how to connect the leaders --how to get not just community savings in to the leaders by better borrowin= capacity for the savers through that leader (leader makes money from loans=too...) --how to get across country boundaries to do remittances In terms of venture partners alibaba has no Africa interest yet but maybe could convince to help w le=ding side and "own" that part EFTA_R1_01621658 EFTA02496888 -- MasterCard is globally trying to grow in Africa bc their interest is bein= able to transfer govt payments to poorest (and eventually credit, though n=t now) so they could help grow the lockbox wallet -- definitely going to bring in the slumdwellers as a partner in some way bc=they will scale this and be primary users and protect it and there are mill=ons of them - could try to find a way to get them to invest into growing th= borrowing pool that way it is their own savings / resources Facebook and others trying to grow chat apps only as the "on ramp" to Intern.t. They provide "free" wifi while using Facebook. That seems annoying but a=tually you do need some wifi sometimes but not all the time. Dealing just w=leaders gets around that bc they usually have access. And writing the code t= work off grid for local comms or comms to leaders is really cool Anyway I've saved up 50k and started working on this. Have written some code=and my cofounder is terrific and he's trying too. Need and want to start Will you help me think? The big companies wanting to talk to me but I've not=said anything specific other than that I'm thinking about it - given my exp=rience with these massive social networks and across Africa I have a tiny b=t of credibility but am running out of time <?xml version=.0" encoding=TF-8"?> <IDOCTYPE plist PUBLIC "-//Apple//DTD PLIST 1.0//EN" "http://www.apple.com/DTDs/PropertyList-1.0.dtd"> <plist version=.0"> <dict> <key>conversation-idgkey> <integer>112693</integer> <key>date-last-viewed</key> <integer>0</integer> <key>date-received</key> <integer>1434828152</integer> <key>flags</key> <integer>8590195717</integer> <key>gmail-label-ids</key> <array> <integer>6</integer> <integer>2</integer> </array> <key>remote-id</key> <string>517771</string> </dict> </plist> 2 EFTA_R1_01621659 EFTA02496889