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 t