The International Blockchain Monetary Reserve, IBMR.io, is an economic development reserve established to promote inclusive financial development for the urban working poor in emerging markets. We focus on empowering individuals directly and allowing them to coordinate themselves through decentralized socio-economic networks.

We are solving the hardest problems that haven't been solved with the current economic development solutions, namely, corruption in emerging markets and true financial inclusion. So, if you're taking time to understand how this all works and how it comes together, that's to be expected.

Our objective is not to work through existing centralized aid organizations or agencies, but to directly interact with the urban working poor in Southeast Asia by providing them with a fintech platform that empowers through financial inclusion.

When the problems haven't been solved for nearly 70 years and they are getting worse, i.e. markets that have been 'emerging' forever, nothing short of a structural level solution will do.

IBMR.io proposes a robust framework to issue a reserve currency, back its immediate market value, and grow that value over time. This allows ARCC to be an incentive for growing a socio-economic information network, empowering users with both a microasset and rights as a new consumer class, while gathering hard verified data to be used as a public mandate for change.

For IBMR.io, this is not a disruptive movement, rather this is a movement that reconciles the competitive and zero sum game of incentives and gains with the needs of humanity as individuals and as a global community. There needs to be a system that can reconcile the cost of material and technological progress in a world of accessible financial inclusion where we all have a right to participate.

As you jump down the rabbit hole of our project, I'd like to leave you with two thoughts: a centralized structure solution cannot solve the wealth disparity issue and, if the Singularity is approaching, we get there together or not at all. Do people really think that 99% of the world is going to just sit back and let the 1% blast off to the stars? Even beyond wealth inequality, there is a massive misalignment of coordination and incentives for even the most obvious humanitarian issues, let alone the global need to address climate change. But the bottom line is, Singularity only comes when we solve these issues first and the first step is providing financial inclusion that actually empowers those who are currently excluded and exploited.

We invite you to join us in making this happen.

Sinjin David Jung
IBMR.io Founder & Managing Director
THE CURRENT FINTECH 'FINANCIAL INCLUSION' MODEL IS BROKEN
These are the best solutions in a broken centralized system, but fall short of actual financial inclusion. The results of these solutions is not the empowerment of the people but their continued exploitation.
Remittance
Entry into financial market by artificially lowering transaction fees for those who are forced to work abroad to get into an acceptable form of economic slavery.
Microloans
Charging +30% annual interest to those receiving the loans means they can never graduate from them to scale businesses and hire staff.
Banking the Unbanked
MicroFinancial transactions as a volume play for the established financial institutions.
Fintech Micro Payments
Micro-Consumer Data for promoting consumerism over savings and asset accumulation under the guise of convenience.
IBMR.io's Microasset Reserve Economic Model
It's time to do more than just try to
'bank the unbanked.'
Decentralized Utility Network
Decentralized Information Network that creates radical social transparency in failing emerging markets.

Elimination of Corruption through publically verified aggregated data
Asia Reserve Currency Coin ARCC
Accessible decentralized distributed reserve currency that provides a level of independent financial stability.

Stability through Microasset Accumulation that is Free to Earn



ARCC.one Fintech Platform
A Microasset management platform allows for Long term asset accumulation & entrepreneurial Investment

Growth & Stability of Local Economies through ARCC acting as a Microasset
ABOUT IBMR.io
IBMR.io was founded with a mission to create new decentralized macroeconomic development structures using Social Proof of Work that promotes financial inclusion by incentivizing individuals to make positive contributions that expose corruption and improve the conditions of their local communities.
1
SOCIAL IMPACT FUND HOLDING STRUCTURE
IBMR.io is registered in the Bahamas as an operational local firm and in the process of acquiring all related fund and asset management licenses for the currency reserve and investment management.
2
TECHNICAL DEVELOPMENT TEAM
The technical development team is based in Long Island, New York under the Reliable Group. The development team will be for the launch of the ARCC.one fintech platform.
3
THINK TANK
The think tank is based out of New York, NY and is focused on decentralized economic monetary structures, and information networks.
4
ARCC MONETARY POLICY COUNCIL
The Monetary Policy Council will run independently from the ARCC executive whereby the ARCC MPC voting will be binding on the reserve for matters of the ARCC token economy.
Executive Management
Sinjin David Jung
Founder & Managing Director
After extensive corporate and start-up experience in fintech, gaming and infrastructure throughout East Asia and Southeast Asia, Sinjin founded the International Blockchain Monetary Reserve, the issuer of ARCC, for social impact and promoting financial inclusion through a decentralized economic system. Sinjin as the former vice-chairman, founded one of the leading fintech firms in the Philippines, True Money Philippines, licensed under the Central Bank of the Philippines (BSP) which is part of the largest fintech network in Southeast Asia, True Money. He has been a chief strategist and negotiator for over six years in Southeast Asia for infrastructure and gaming projects with a focus on regulation and operational set-up. He was the Regional Director of Asia for Pokerstars, the world's largest online poker game company and was the primary marketing and regulatory force for the game's introduction across the whole of Asia. His professional background includes: being a former senior management consultant at PricewaterhouseCoopers in Korea and a Korean government senior industry technology analyst. He has his MA in International Business from Korea University and has his Public Policy Executive Certificate from Harvard Kennedy School.
Stanley K Kwok
Co-Founder and Executive Director
Stanley is the co-founder of Red Group a family office in Beijing, China. With years of international investment and operational experience he believes that innovation and technology are the true driving forces towards to overall improvement of society. Stanley has an extensive global business network and has been actively involved in a variety of industries, including bioscience, agriculture, mobile internet, and finance over the past 20 years. He graduated with a BSC in accounting from Southern California University. He is also a graduate of Stanford Graduate School of Business.

Stanley's responsibilities include the strategy and set up of the currency reserve and it's investment arm.
Eric Tao
Media & Marketing Director
Eric is a marketing executive with over 20 years experience in the technology, media and advertising industries. In 2004, he was signed as a commercial director by Radke films in Toronto, at the time the youngest signed director in Canada. He has also served as an executive at numerous global advertising agencies, technology and media companies, most recently as the Director of Video at Food52. In 2015 he worked at Google on an internal marketing innovation team created to explore new ways in which technology can help build brands in a digital world. He is a graduate of the MFA program at the Art Center College of Design in Pasadena, CA.

Eric's responsibilities include the set up and management of IBMR.io's marketing/PR operations and investor community relations.
Development & Product
Our development is based in and around New York City and has brought together a partnership of the top development houses for development.
Tristan Thoma
Head of Product
Tristan is a leading solutions architect for corporate and government systems implementing blockchain technology. With a background in Organizational Psychology and IT Systems Management, Tristan started his work in the Blockchain space in 2015. Working throughout US, Europe and Africa, Tristan has led strategic executive blockchain consulting for Salesforce, GE, SwissRe and Hyperloop, as well as with startup innovators in industries including Asset Management, Supply Chain, IOT, Biotech, Transportation, Gaming, Sports, Real Estate, and Trading.

Tristan led the creation and deployment of one of the first commercial blockchain integration protocols for Salesforce, exhibited at their annual TrailheaDX developers conference in San Francisco. With SwissRe, Tristan architected a Smart Contract framework utilizing satellite image recognition and geographical overlays to automate insurance payment, claims and auditing for low income farmers. With GE, he contributed to the token architecture and value trade of Tokenized Kilowatt hours for Community Solar projects. With Hyperloop, he led to top-level ideation for tokenization and incentive models engaging Hyperloop's diverse global stakeholders and future users.

Tristan led 1st-prize winning teams at the 2017 & 2018 Consensys Hackathons, and is passionate about Blockchain's potential for social impact and sustainability. He has lectured at Universities like NYU, Rutgers Business School, and CUNY, and speaks regularly at Blockchain conferences around the world.

Vince Wang
Project Senior Manager
Vince is a University of St. Thomas graduate in Mathematics cum laude out of Houston, Texas as well as studied his master's at the University of Houston. He has been a project manager in the area of gaming and client services for the past four years. He has experience in emerging market start-ups from setting up national distribution network and retail supply chains. His last position was as a management consultant at Dinkum Management Consultants in Taipei, Taiwan focusing on multinational tax and overseas revenue structuring.

Vince manages the executive coordination of projects from product, marketing and internal communication.
Reliable Group Veeral Likhani
Development House
IBMR.io's main platform development is alongside the Reliable Group as our strategic development partners. The Reliable Group, founded in 1971, is one of the leading independent development houses on the east coast of the US.

The strength and capability of this partnership rests with the CEO of the Reliable Group, Veeral P. Likhani, whose extensive background and exposure to both the highest level of technology as well as the most current and applied software developments in both developed and emerging markets is a critical pillar for IBMR.io's own confidence in development.

He is the executive development lead and has taken the time to provide executive support.

Veeral's is a graduate from New York University's renowned Stern School of Business. His years of extensive entrepreneurial experience includes a stint in India, where he cofounded Sunivera Communications, one of the earliest international call centers to provide services from India to clients stateside, while also initiating a joint venture with the prolific east Indian conglomerate, the billion-dollar Dalmia Group, growing the company to great heights. Upon exiting, he returned to the United States and became a crucial catalyst for Reliable Group's international expansion.

In addition to being at the operational helm of India-based IT solutions providers like Ledger Solutions Pvt. Ltd. and Raisol Developers Pvt. Ltd., Veeral cofounded a number of non-profit organizations, coordinating the funding for a trio of India-based primary schools and a specialty school, serving the hearing-impaired.
Senior Advisors
All of our senior advisors are industry leaders and come with global expertise for direct operational support.
Conroy Cheng
International Business Advisor
Mr. Chi-Heng Cheng, also known as Conroy, is a passionate investor and visionary who strives to improve the human lifestyle experience. Since July 26, 2011, Conroy has served as the Executive Director at Chow Tai Fook Jewelry Group Limited. He is also Director of Chow Tai Fook Enterprises Limited. He has been an Executive Director for New World Development Company Limited since June 2010. He has been a Director of Boston Therapeutics, Inc. since December 4, 2013. Mr. Cheng served as an Interim Chief Financial Officer of Boston Therapeutics, Inc. from March 16, 2016 to August 12, 2016 and served as its Interim Chief Executive Officer since March 16, 2016. He served as Non-Executive Director of China Huishan Dairy Holdings Company Limited until June 23, 2015. He served as an Independent Non-executive Director of Hong Kong Energy Holdings Limited (alternate name JIC Technology Co. Ltd. & China Renewable Energy Investment Limited) from July 02, 2002 to May 11, 2007. He received a Bachelor of Arts degree majoring in Economics from the University of Western Ontario, Ontario, Canada in 1999.

Conroy's responsibilities include the representation of ARCC with major regional industry partners and projects.
Morgan Potter
Trade and Currency Reserve Advisor
Morgan is the co-founder and managing director of Nine Mile Financial, an electronic principal trading firm focused on global market making and arbitrage opportunities. Morgan cofounded Nine Mile Financial in 2016, after 16 years with Macquarie Group (Sydney, Hong Kong & New York) and Goldman Sachs (Australia). Most recently based in New York and Hong Kong with Macquarie as Global Head of ETF Trading, Morgan has held several senior roles during his tenure; responsible for Convertible Bonds, Structured Products, Listed Derivatives & Cash Risk Trading since joining Goldman Sachs (Australia) in 2001. Morgan holds a Bachelor of Structural Engineering (BEng) degree from the University of New South Wales, Australia.

Morgan's responsibility includes the strategy and ongoing advisory of the Reserve.
Darius Yuen
Social Impact Advisor
Darius Yuen Lai Yan is a Hong Kong investment banker and philanthropist. He is the founder and chairman of Sow (Asia) Foundation, a charity based in Hong Kong. Because of his contribution to charitable causes, he was named one of 48 Heroes of Philanthropy by Forbes. He was also one of the Men Of Hope 2017 Honorees (Champion for a Better Life). He serves as Senior Advisor at LionRock Capital Limited (Hong Kong). Yuen is a Certified Public Accountant. He holds a Bachelor of Science in Accounting from the University of Southern California. Yuen was a former investment banker with BNP Paribas serving as Head of Equity Markets from 1999 to 2007. He served as Senior Managing Director at Bear Stearns Asia in 2008. He also served at Media Nation in 1998, at Peregrine Capital from 1994 to 1997, and at Price Waterhouse from 1991 to 1993.

Darius's responsibilities include providing advisory and feedback for IBMR.io on social impact performance and direction of its programs.
Simeon Schnapper
Blockchain & Impact Investing Advisor
Simeon is a blockchain and impact entrepreneur who has led several successful teams at the forefront of trending new industries. He traded his first bitcoin in 2011. He founded Youtopia, an engagement and gamification platform; the winner of the 4th Annual Digital Media Learning Competition supported by the John D. and Catherine T. MacArthur Foundation and the Bill and Melinda Gates Foundation. He is a trustee and president of the Hinman Foundation, a nonprofit focused on making grants to community based organizations. He formulated the vision and led all efforts on the ground in Tibet, Nepal, Myanmar, India, Mongolia and Bhutan. As the founder of a multinational trading and manufacturing company he led sustainability and innovation from Shanghai for 7 years where he shipped some of the world's first bioplastic products to the largest retailers in the world. He has mentored underserved youth while a faculty member of the Second City Conservatory where he taught thousands of students over many years. Born into a Peace Corps family, his early life was spent on assignment overseas where the ethos of exploration and helping others became deeply ingrained in his belief system. Simeon is also an Aspen Institute Fellow.

Simeon's responsibilities include assessment on social impact initiatives and investments.
Mary D'Souza
Global Capital Market Advisor
Mary has 20+ years of venture capital, private credit, equity, real-estate, fund investing, commercial and investment banking and C-level operational experience through various senior roles at GE Capital, Dresdner Kleinwort Benson and Four M Investments.

Mary is the Chief Investment Officer of Misha Investments and CFO & Director of a biotech company. She is also an investor and Senior Advisor at Star Mountain and a board member of Community Access. She has extensive experience in investing and capital markets.

Mary also worked as a Managing Director at GE Capital Markets for 9 years where she built deep relationships with banks, private equity funds, hedge funds, distressed funds, mezzanine funds, insurance companies, BDCs and other alternate sources of capital. She placed over $13 billion in volume and 150+ deals, which included acquisition financing, refinancing, recapitalizations, restructurings (Radnet, CCA), DIPS (Delta DIP), EXITS (Delta, US Air), amendments and trading of loans.

Mary's responsibilities with IBMR.io include investment portfolio structuring as well as return and risk modeling.
Babak Pasdar
Technical & Security Advisor
Babak is an ethical hacker and a globally-recognized expert in Cyber-Security, the Cloud, and Crypto-currency. He has a reputation for developing innovative approaches and methodologies for the industry's most complex security problems. Throughout his career, Pasdar has founded multiple groundbreaking Cyber-Security firms, developed large-scale infrastructures for some of the most well-known global companies, and identified critical threats to national security.

Named one of New York's Top Ten Startup Founders over 40, he built and exited two Cyber-Security technology companies, igxglobal and Bat Blue Networks.

While contracted by Verizon, Pasdar discovered a warrantless wiretapping mechanism in their infrastructure — named the "Quantico Circuit" — leading to unrestricted access to private customer voice and data communications. Concerned about its constitutionality, Pasdar subsequently became an expert witness to Congress, testifying before multiple top-tier congressional committees.

Babak's responsibilities include security, audit, and consultation on security best practices.
Executive Office Staff
Joel Malasaga
Executive Office Financial Officer
Joel Malasaga, is a Certified Public Accountant in the Philippines and received his professional license in 2010. He graduated with a Bachelor of Science in Accountancy – Cum Laude, from Saint Joseph College in Maasin City, in 2009. With 8 years of professional experience, he is an experienced internal auditor in the core business segments of distribution, logistics, natural resources, property, security and corporate investment with JAKA Investment Corporation. He is also experienced as a Senior Financial Officer in preparing investor relations and audit presentations.

Joel's duties will be the organization and management of auditing the investments and reserve currency data reporting for IBMR.io and ARCC.
Geraldine M. Diaz
Executive Office Administrator
Geraldine is a business administration BA graduate from the Polytechnic University of the Philippines. She has 16 years of professional business experience in the areas of retail banking (PS Bank), HR management, recruitment and backend administration management.

Geraldine's duties include the registration and administration of IBMR.io's corporate structure and executive administration.
Strategic Partners
Republic Labs
Republic Labs was founded by alumni of AngelList, the world's largest online investment platform for accredited investors. AngelList was instrumental in passing the JOBS Act and is our strategic partner on all coordination. They were the first company funded under Binance Labs.
Mama Hope
MAMA HOPE is an advocate for global communities. They work in service of grassroots leaders who have big dreams to change the world through creating markets for communties.
ARCC DRAFT Whitepaper
Please download and read our DRAFT ARCC whitepaper here and learn more about our theory and approach to making financial inclusion an act of empowerment and how we structure ARCC in a reconciliatory superstructure decentralized economic framework.
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