Use of digital monetary units ("dmu")

For example, HGVS ECOSYSTEM digital monetary units may be used for payment of healthcare services, deductibles, co-payments, platform costs and reference data.

Parties transacting with HGVS™ participants pay transactional, technology, service and support fees for communications and network activities, in a manner similar to Ethereum by purchasing HGVS with traditional fiat currency, then acquiring AGM to pay infrastructure costs.

In comparision to Ethereum - HGVS= ETH, AGM = GAS

Peer to Peer
Node to Node

ECOSYSTEM's are designed for individual private digital wallets as well as institutional mutli-party payment systems.

Various forms of fiat currency such as USD, EURO, YEN, GBP and other major curencies may be used to purchase Ecosystem DMUs.

DMUs may take the form of "Controllable Electronic Records" ("CERs"), including acting as a "private currency" for rewards points similar to airline and hospitality units, as approved by US Treasury.

Sale of
HGVS
Currency

As designed, sale of ECOSYSTEM digital monetary units is expected to result in primary fiat currencies coming into an ECOSYSTEM's Monetary Reserve, such as USD, EURO, YEN, etc., and thus into the applicable Ecosystem.

While this type of transaction is expected to initially be small amounts designed to pay platform technology, communications and service fees, transferred into AGM, we can envision potentially sizeable transactions as Ecosystem transactions are denominated in an Ecosystem's DMUs.

The sale of an Ecosystem's DMUs, particularly when such fiat currency assets may remain within the applicable Ecosystem for a very long time, can be useful in creating assets to support research, acquisition and/or development of infrastructure facilities, and expansion of reference data and derived data.

Reserved Monetary Units

Unlike most fiat and digital currencies, ECOSYSTEM monetary units are designed to be backed as Reserved Assets. In essence, DMUs may be backed by an Ecosystem's Monetary Reserves holding an array of fiat currencies and/or other forms of assets.

The following illustration and information applies to HGVS Ecosystem, as an ECOSYSTEM Example.

FIAT CURRENCIES

MEDICAL RECEIVABLES

WELLNESS DATA ANALYTICS

RISK POLICY RESIDUALS

IOT EQUIPMENT LOANS

Wellness Facilities

Wellness Research | IP

DIGITAL ASSETS

HGVS CURRENCY RESERVE

A DIGITAL UNITS ORGANISATION

HGVS Monetary Reserve represents the ORGANISATION structure under which HGVS digital monetary units are issued and administered as well as reserve assets established to support global use of HGVS DMU within the HGVS™ Ecosystem.

HGVS Monetary Protocol

HGVS Currency Reserve
HGVS issuance and monetary reserves are to be governed under HGVS Monetary Reserve subject to HGVS Monetary Protocol by its Board of Governors.

HGVS Market Operations is to be responsible for day to day adjustments in the automated digital monetary management system.

HGVS ISO
HGVS Monetary Protocol is being sponsored by HGVS ISO as a new technology, an innovation designed to expand funding available for Wellness | Vitality research, infrastructure, risk mitigation and innovation, as well as a means for global participation in HGVS™ Ecosystem, as a Global Wellness rewards unit.

HGVS
DIGITAL MONETARY UNITS

HGVS Protocol is sponsoring HGVS Monetary Reserve as a Reserved Monetary Unit, supported by "Reserves" comprised of: global "fiat" currencies, medical receivables, wellness | data | analytics, risk policy residuals, IOT equipment | loans, wellness and medical facilities, wellness research | ip, digital assets, and other healthcare and wellness related tangible and intangible assets.

Some HGVS Protocol activities are designed to increase HGVS Monetary Reserves in combination with issuance of HGVS. Other activities are designed to increase HGVS Monetary Reserves without issuance of HGVS digital monetary units. The latter activity is designed to increase HGVS Monetary Reserves without increasing outstanding HGVS DMUs.

HGVS Monetary Reserve may deploy reserved digital assets for the purpose of increased investment income designed to expand monetary reserves. In addition, HGVS Market Operations may take market positions in buying HGVS and/or selling previously issued HGVS held in HGVS Monetary Reserves. Further, certain contracts designed to benefit HGVS Monetary Reserves over short "opportunitic" or long "strategic" periods may be implemented from time to time.

HGVS DMUs are designed to provide a means of trading, exchange and settlement, as well as a "store of value".

The nexus of HGVS DMUs to global healthcare inputs may create a form of international healthcare metrics, impacted by local, regional and international inflation and interest rates. Historically, in many countries, healthcare costs have risen at a faster pace then other sectors.

In that HGVS DMUs are designed as global healthcare monetary units, its relationship to a specific country's healthcare costs may morph over time, in that its initial weighting is expected to be predominantly United States centric, one of the largest by volumne and increasing by inflation.

IAC Monetary Reserve may establish conditions for redemption of HGVS digital monetary units as well as a minimum level of liquid convertible fiat and/or digital monetary assets.

Note: HGVS Monetary Reserve may expand or contract quantum of HGVS digital monetary units in circulation to achieve objectives established by Board of Governors of HGVS Monetary Reserve, pursuant to HGVS Governance Protocol, as updated from time to time by HGVS Monetary DAO.

Use of digital monetary units ("dmu")

Peer to Peer
Node to Node

Sale of
HGVS
Currency