POWER of COMMUNITY     POWER of  CHOICE

Wealth in the Financial Garden of Eden

Building Personal Wealth,  Community Wealth,             Small Business Wealth, and Sustainable Communities     

What time is it?  It's A.F.R.O. time                     America. Freedom. Resources. Opportunity.

It's Time to Take Control of your Community,

join the Financial Wealth Garden of Eden

Financial-Garden of Eden

Your ONE-STOP Financial Wealth Center,          Increase personal wealth, income, and community wealth

Your Phone = Personal Wealth Generator/CashDispenser

• REAL-TIME TRANSACTIONS

• Mobile savings, checking

• Mobile BILL Payments

• MONEY TRANSFERS; PERSON TO PERSON

• Investments; Community-Bonds

• RETIREMENT INCOME

• LENDING: Mortgages, small BUSINESS

• HOME MONEY MANAGEMENT

• MERcHANT REWARDS & Discounts

• Earn Loyalty Rewards

• JOBS-LOCAL EMPLOYMENT NETWORK

• DONATIONS-Church, non profits

That's Right !!  AFRO Dollar is  Digital Cash Currency

"America's First Local Real-Time   Digital Cash Money Wallet"

We have established the First Digital CASH Money Wallet to transform low-moderate income African American communities, to Increase wealth and income and Decrease unemployment and extreme poverty.

AFRO Dollar is a REAL TIME Digital Cash system that is backed by the US Dollar and reserve currencies.The transactions are real time, and can be accepted by anyone, anytime, anywhere.

AFRO brings Financial Inclusion to low-moderate income communities in the United States, and emerging, developing countries.  AFRO Mobile Payments, Digital Cash Technology provides alternative financial banking services at lower fees through the mobile phone.

The AFRO Dollar Digital Cash Wallet is a disruptive technology ( America’s First "Community Digital Financial  Inclusion Economic Platform" ) to control, spend, track and recycle dollars by local stakeholders (residents, business, non-profits) By shopping locally, it builds their community and increase jobs. By creating new small businesses, we transform and strengthen the local community.

The AFRO Dollar FinancialWealth Garden of Eden Platform is a funding, lending, payments, checking, savings, loyalty, and employment portal to transform and re-build distressed African American communities. The community economic stakeholders (residents, small businesses, non-profits and churches), will be able to find economic and financial support on the AFRO Community Financial Platform.

HOW DOES IT WORK.

AFRO Dollar is Social(FinTech) Financial Technology company that develops community empowerment solutions.

AFRO Dollar spending: Strategic Spending Capital

Each time you/consumer spend AFRO Dollars, the merchant will contribute a (%) percentage of the sale to its local community as Community Loyalty Dollars. Each merchant will also, reward you/ customer in their  AFRO Reward Bonus Dollars.

The Rewards Bonus Dollars can be used to shop at that merchants' store or any store or service professional on the AFRO platform.

Your may use the bonus dollar to contribute to your non-profits, or just pay your bills. it's your bonus money.

Introducing the                                                                 "FinancialWealth Garden of Eden"

   A Community Financial Inclusion Economic Digital MOBILE Platform

WE developed our own Community Financial Inclusion Economic Network  framework, that provide financial inclusion for all members in their neighborhood.  We create economic partnerships of all community stakeholders (residents, churches, businesses, non-profits) to control and invest in their neighborhoods for economic, sustainable, and social prosperity for all.

The Purpose of creating the "Community Financial Economic Digital" MOBILE Platform       ("AFRO FinancialWealth Garden of Eden-Platform") is to provide all the tools for the stakeholders in the community to create a stable, sustainable, financial and economic environment. "Using the AFRO FinancialWealth Garden of Eden Platform allows the community stakeholders to use their spending dollars to  create a community wealth effect. We can solve and eliminate our community social ills, of high-unemployment and extreme poverty" stated Derric Price, creator of Original AFRO Dollar.

Your SMARTPHONE becomes a Wealth Building  device,  providing  accounts for personal finance; checking, savings, bill payment, money transfer, loans (mortgage, auto, personal, small business), home account management, non-profit donation, and church tithing.

Community PROBLEMS SOLVED: 

"Financial Wealth Garden of Eden"

WHAT WE BELIEVE:

Financial Inclusion: Everyone has the “Right” to financial inclusion in the financial system

Home ownership:  Home ownership is a “Right”, not a Privilege, (based on the ability to pay)

Transportation: Everyone has “Right” to reasonable transportation loan, and right to travel freely.

Excessive Debt: Excessive interest rates are a “Human” and “Moral Fraud”, and are not obligated for repayment.

Health Care: Individual well-being and health care is a “Right”, not a privilege.

Poverty: Abject poverty in American must be eliminated by transforming American Capitalism for all society and citizens.  AFRO Dollar represents a critique, transformation, disruption and solution to reduce the abject poverty in the U.S.

Job and Work:  A Job is required for Man, for his family and society, with time for work and his contribution to God and service to humanity. We endorsed a “Right” to job/work as a basis for minimum income as opposed to the universal basic income for non work.

Privacy: Privacy is “God-given Right”.  Privacy is a requirement for a democratic society. Privacy insures freedom of speech, freedom of opinion. Communications and transactions are private on our platform.

Government: Government’s purpose is to provide policies that promote Americanism, Freedom, Resources, and Opportunity, (A.F.R.O) to achieve economic growth in the country for its citizens.

Citizens: Citizens must be diligent to insure that the Government, lobbyists, and politicians provide more transparency, and insure each citizen his Freedom, Liberty and Privacy.

Democratize Capital: Capitalism without capital is just another 'ism, as stated by Martin Luther King. American Capitalism is concentrated; limited to few people and institutions that create forces that are  detrimental to a democratic society. our attempt to democratized capital for a just and enrich society.

AFRO Dollar represents our version of democratizing capital that allows for innovative and disruptive forces to provide access to all citizens to financial services in a society that promote justice, truth, privacy, that is transparent and progressive.

AFRO Dollar allows for capital inclusion, development and access to all segments of the financial marketplace. AFRO Dollar critiques, and challenge the American Capitalism predatory schemes that promote inequality (financial, wealth, social) in our society.

AFRO Dollar represents: a new economic vision, paradigm shift, critique and transformation of American capitalism. Our version of free market capitalism BEEBOP Capitalism engages all citizens with Real Financial and Economic models, to solve community economic problems.

The FinancialWealth-Garden of Eden; Full Wealth Stack. We provide Solutions to Community Economic ills. All Members have right to access  financial services to increase their wealth, income, & well -being and stimulate community economic growth.

The Goal: Financial Independence

             to insure no member suffers from income or wealth devastation in American society, by insuring techniques and foundations to provide a minimum income or a financial safety-net.

             to promote and instruct wealth maximization techniques, so each member can contribute to their family, community, society and the country.

             to create sustainable neighborhoods that can be optimized to provide economic support for all stakeholders in their communities.

Our Services: (Members-Only)

Credit Score: We have our own credit-scoring model called the AFRO Score-Credit, an alternative to the traditional  companies (Trans-union, Equifax, Experian) and their scoring problems in community.

Lending: We provide loans to residents, small business, social entrepreneurs, non-profits, person to person lending. Small Loans, Mortgages, Auto, Personal, all are on the Platform for instant approval.

Loyalty:  Rewards and/or money is added to the customer's account each time they shop locally.

Banking:  Financial inclusion; Alternative banking access for the unbanked, under-banked for savings/ checking accounts are all part of the AFRO Digital Cash Mobile Wallet, there is no need for a traditional bank model.

Social Entrepreneurs: We support and promote social entrepreneurs in the community.

Payments: Pay your bills (private, public and government), with the AFRO Digital Cash Wallet.

Small Business Support:  Opening and supporting new local businesses and community-owned or workers-owned businesses, is our major focus. 

Personal and Home-Management: Automatic Personal Finance Bill-pay home finance management system, the system pays your mortgages and personal bills, to create 100% on-time payments, even if you are temporary short of funds. There are no mortgages foreclosures in this system on the platform.

ATM Network:   Our "Community-owned" branded AFRO Cash ATM network will allow free cash withdrawal from your AFRO Digital Cash Wallet.

Shop Local: AFRO Digital Cash Wallet promote members and community stakeholders to shop locally, and support small businesses on the AFRO platform to increase community revenue, taxes, local job development and community economic growth.

Community Loyalty: Each time you shop locally, each business contributes % of the sale dollars to the local Community Fund for non-profits to fulfill their community mission, and jobs support.

Community Fund Investment: Provides grant assistance to small businesses to help with their payroll to hire the unemployed, veterans,or returning citizens. The Fund provides grants to Non-profits to help fulfill their social mission or community projects.

Non-Profits: The AFRO Platform can be use by Non-profits for Donations, Fundraising, Organizational support and analytics.

Jobs Employment: Employment tracking: a community job and training portal for the un/underemployed residents, veterans, and re-entry, ex-offenders, and the homeless.

African-American Consumers are                              More Relevant Than Ever

WHY MOBILE DIGITAL MONEY?

African-Americans love their smartphones. In fact, smartphone penetration is 5% higher among blacks than the total population (83% vs. 78%). In looking at popular mobile apps, Twitter was the third-most used app among African-American households earning $100,000 or more, spending nearly two hours and about 13 sessions on the mobile Twitter app per month.

By moving AFRO Dollar Paper Currency to Digital CASH Currency on our AFRO Community Financial Inclusion Platform will enable the Company to fulfill their mission to transform the low-moderate income community and build self-supporting, self-sustaining and self-reliant institutions to solve social and economic ills in the community.

AFRO Digital Currency will allow more money to circulate faster in low-moderate income communities. By shopping locally, thus recycling the AFRO dollars, it helps keep dollars in the community to produce financial and economic wealth and decrease unemployment. The Company will encourage and emphasized the community strong tendency to shop locally with AFRO digital dollars.

AFRO Dollars =  Building Strong, Self Reliant Communities-

AFRO Mobile Payments platform unlocks financial freedom for roughly 50 million people around the United States who carry mobile phones but have no bank accounts or financial access.

Being outside the financial mainstream means paying more fees and premiums for everyday transactions.

With a current buying power of $1 trillion that is forecasted to reach $1.3 trillion by the year 2017, the importance of connecting with African-American consumers is more important than ever. As detailed in a new report published by Nielsen in collaboration with the National Newspaper Publishers Association (NNPA), black consumers have notable distinctions from other consumer groups, and understanding this group critical to making lasting connections.

Currently 43 million strong, African-American consumers have unique behaviors from the total market. For example, they’re more aggressive consumers of media and they shop more frequently. Blacks watch more television (37%), make more shopping trips (eight), purchase more ethnic beauty and grooming products (nine times more), read more financial magazines (28%) and spend more than twice the time at personal hosted websites than any other group.

Black Influence Goes Mainstream in the U.S.

Consumer | 09-30-2015 From movies to sports to music and everything in between, black culture resonates broadly extending deep, cultural traditions that span generations and all consumer groups. The power of black influence is something businesses and content creators consider when developing strategic marketing campaigns and programs not only for African-American audiences, but for the general population, too.