The sole scope of this whitepaper is Gentium Dollar activities, the Franchise financing system is not discussed below. The basic idea behind Gentium Dollar is purely a reconsideration of the money market.

The core problem is a lack of redistribution

The heart of the problem, in our view, is a lack of redistribution. Should there be proportionate redistribution present in the system, people could have a passive income we can also call basic income. The base of our concept is, in fact, proportionate redistribution, with each point representing, in real time, an incoming amount, and each present amount being a share of the total amount. And the base of redistribution for a specific amount is the ratio of that specific amount and the total amount or the change thereof.

For example, let the ratio be 1 to 10 (1 Gentium Dollar). When there is a new purchase – let it be 5 units in this the example – the new ratio will be 1 to 15, and the monetary value of the 5 units of currency will be credited to the owner of the 1 unit, in a ratio of 1/15.

As the above example shows there is a slight but obvious shift: the amount the owner receives is not calculated with the pre-purchase ratio (1/10 in the example) but the post-purchase ratio of 1/15.

Furthermore, the open concept contains a 40% reduction of the resulting amount, which is to be perceived as a considerable support of the company’s hedge fund.

Creating redistribution in the redistribution of revenues

The base of redistribution in this system, is always the total or partial amount of the revenues. In the case of our future banking system this base is 1/3 of the transaction fees, while the ratio applied is that of the amount of currency contained by the specific bank account and the total amount of currency contained by every account.

Whilst the revenues in the financing period come from the purchase of Gentium Dollar, in the case of the banking system the source of the revenues are the transaction fees and deposits. The dividend base is established from the fees generated by the company as costs – the same way it happens at other banks in normal business practice – but in our system 1/3 of this amount gets redistributed.

Establishing the ratio as that of the owner’s amount and the total amount

It is crucial to note that redistribution is only possible when the calculations are actually based on ratios and temporal positions, as opposed to fixed fees. In our case Gentium Dollar is a quasi share which generates revenue dividends in the ratio calculated using the percented share of the owner. Once again, the percentage is calculated using the amount owned by the owner and the total amount, which means this percentage will decrease as the total amount of Gentium Dollars in the system, increases.

Another key element is that dividends in this system are not calculated for the entire month: the share will count as such once it appears in the system. There is no retrospective accounting for such shares.

Typical redistribution of revenues in the financing period

In the financing period the total amount of revenues coming from Gentium Dollar purchases, are redistributed based on the percentage of the total amount each owner owns. Typically the company owns the largest amount, and has to purchase on a regular basis to retain its percentage edge.

This all means that in normal circumstances, dividends are exclusively generated by purchases of Gentium Dollar. Our explicit goal with the use of the dividends is to establish an owner base of Gentium Dollar who intend to keep their stock of Gentium Dollars rather than sell it, as it yields passive income. And at the same time it also keeps them from acting as competition to the company, as a dumping of Gentium Dollar – naturally, cheaper than the cover price – would decrease both the revenue of the company and the cover price rate. This and the temporary saturation periods, are the pillars of stabilization.

Profit redistribution in the implementation period

In the implementation period – when the bank system is established – Gentium Dollar remains an open option, as the company spends part of 2/3 of its revenues on purchasing Gentium Dollars, which yields dividends to the Gentium Dollar owners. Thus, although the financing period may display a negative tendency over time, dividends will remain steady, making investments profitable even in real currency, beyond the option to simply sell the Gentium Dollar.

The company also retains the right towards the Franchises, to retain certain small percentages of the revenue to use them towards the central (Gentium Dollar that is) dividend base.

The comprehensive aim behind the Gentium system, is the establishment of a financing and redistribution system.


Gentium Systems Inc.


1312 17th Street APT 587, Denver, CO 80202, United States

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