------------------------
------------------------
m201218 fri
------------------------


team meeting


---------------
work

1> weekly availability for calls


2> review pitch deck for presentation areas 


3> concrete 



---------------
homework
---------------

a>> draft case study format

a>> public sector for example concrete remittances etc

download
https://app.box.com/s/6wg0lijppj946j4vo4vyiy02ua8hffg8

view only
https://app.box.com/s/e3hssywl397efynfglw8yodo6huld035/file/754933924379

a>> CA use case list 

a>> how -- put trust to work w 3 concrete case studies

a>> Sybal the value we deilver 


we are a service


what's the problem we add value to ???

	concrete w solutions today that could be improved
	CA use cases and current values delivered


what sybal is .. the difference maker

we leverage latest technologies to add value, solve tough challenges on:
social good, bring communities together, inclusion, underserved, equitable ( opportunity vs results )

does AI make us different?
no - we use AI
does BC make us different?
no - we use BC

others use these technologies.

What makes Sybal different is ...

	human-centered governance and compliance across processes



how 
	put trust to work
	lean in to communities 
	our own governance model is ... our communities served
		community participation ( sse CA BC study team )
	concrete use cases
		remittances, education credentials, energy credits,
		licenses, health certifications, consents, 

	our operations 
	sybal education on governance
		non profit
			free education on our topics
	sybal service
		for profit
	sybal bank
		for profit
	sybal foundation
		non profit community services 
			identity, fin inclusion, healthcare w sybal services

payoff
	triple bottom line
	social good credit system >> esg -- token system
		certifcation system for participation
		audit we conduct to maintain certifications
		business serving communities - stakeholders
			customers, employees, shareholders, govenments, communities
	transparency, governance, change management 
sybal is a social credit system 
for gov, business


initial investor slide - call to action
	how do we move forward
	what do you expect from the investors 
	how are we gonna put that to work


---------------
---------------
governance concepts 


concepts 
examples 
gmm - governance maturity model


https://help.tableau.com/current/blueprint/en-us/bp_governance_models.htm

https://boardable.com/blog/nonprofit-governance-models/


---------------
investors 

275 want pitch deck

financing expected to be 12 mos for full $10M ...

0> tokenomics paper dec
1> white paper jan
2> web site ready 

3> mvp stack for coin trading

saft agreement for future tokens
vendors offering ICOs as broker / dealers
SEC registered tokens 
erc20 token for reservation for sybal coin

charge percent for ICO raise

ICO is reg D with SAFT agreement
INX token

case law on coins 
	did private raise
	exempt from reg D
	public raise thru regular filings
	SEC > no --- initial private raisee dependent on public raise
		all was a public raise 

lean in to regulations, oversight
	auditors on finance, tech
	"poster child for regulations, governance"

https://developers.stellar.org/docs/issuing-assets/

POG protocol blockchain 

components
	protocol
	mobile remittance, payments
	OCC and Wyoming on banking licenses for digital assets

a> review pitch deck again
	spell check


link to my legislation research

goals

g> reduce risks on bc remittance 

g> expand access to fin svcs
	everyone has seat at the table
	equitable access for all
	< can't solve all at once
	< quick hits that validate benefits -- portable wallets


h> focus on US unbanked now for testing solutions
	lower fees, ids ( ssi )

a> cost of issuing ids on sovrin

g> best practices, governance focus - lean in

g> sybal - who we are ? baas svc 

q> HOW do we eliminate human traits, bias putting consumers at risk

a> need specific examples 
a> use MAD tracking alert on data governance
a> read Ethical AI - vs FB AI

o> opportunity - restatement of business purpose for others is a door for us

s> strategy - social impact business model ( eg air bnb etc )

k> key = right partnerships = market niche, resources, promotion

g> sybal value 

	7cs- clear, concise, complete, concrete, considerate, cooperative

q>> who else is trying to hit our goals now ???

	World Bank on remittances - bc pilot now
	WEF - stds on bc use cases

d> difference - sybal
	human centered for social good using AI & blockchain 
	driving economic growth
	true governance on bc with regulatory compliance 

h> how investor return with
	innovation, high growth, increased profit over time (not first)

q>> key use cases to start ???

	government remittances ?? registrations ??

investor goals ??

a> sustainable advantage 

a>> show me how the moat is wide ?
	other baas has to rebuild their service model 

POG protocol 
	ethical intelligence 

a>> show concrete examples simply 

a>> need comparative examples simple 

	a person walks into a bar with normal license, vs ssi cred
	90 second videos 
	capabilities videos for solution approach
	solution impact videos for specific use cases - remittances and ??


v>> business digital banking service in US

i>> can you 
	sell it, scale it, govern it, grow it

phases
	digitze
	collaborate - help other orgs deliver better service, value, gov
	align with others on goals, strategies
	innovate

h>> how do we measure bias on specific use cases???

q>> how do we align with CBDCs ??


https://www.govops.ca.gov/blockchain/

https://www.govops.ca.gov/wp-content/uploads/sites/11/2020/07/BWG-Final-Report-2020-July1.pdf




---------------





---------------

dr dan he - ibm ai 

now consultant
infrastructure setup 
white paper 


hannah robertson - alexandria, va
creating sybal story
investor page

q> who gives us feedback on investor side?

works w postal service as a pm, whitepaper
bc healthcare startup




jim m
sybal focus on blockchain solutions, technology 
	work w fabric, indy, aries
	lead public sector group for hlf
	mobi - vid, cmdm stds
	presentations on ebc


	worked in infrastructure on IT 
	services, apps, solutions - cfg, fidelity



---------------
testing 

a> jm.testnet on aws
a> supply chain 

issues...
1> availability of smart devices in adult populations
2> multi-tenant wallets
3> cloud wallets ( mediators ) and services
4> mfa 

Jim,

We hope this note finds you well. 

Quick update on where we stand. 

This week we are scheduled for a team meeting which takes place 12/18/20 at 9:00 AM EST. We look forward to seeing you there.

Hannah, our Blockchain/Developer SME continues to work on final web copy. Once approved she will begin placing copy and redesign of GUI. We expect this work to be completed before end of month. 

We are in the process of developing the initial tokenomics of Sybal’s protocol. This will be completed prior to end of month. Once completed, we will draft an initial white paper. We expect this to also be completed prior to end of month. 

These are the final items remaining prior to going live with the raise.

As final stages come to completion we have decided to exercise a SAFT raise and list our coin via a regulated broker platform. We believe this approach expedites the raise and make Sybal more visible to the right type of investors. 

Please do let us know what feedback you have on the items in your data room. 

Additionally, I would like your feedback on the MGI Digital Identification Report located in your research folder as it relates to initial development of our ID Solution. 

Initial Framing of the solution would start with KYC , which drives access to financial services on our platform, privacy and control of identifying data with a notification system of how it is used and by who, establishment of the digital trail, and efficiency within the digital ecosystem. 

From there, we would move into innovating on behalf of customer to improve the aforementioned baseline and on behalf of the public and private sectors to decrease fraud, onboarding time, and exclusion expanding upon the use cases for both customer profiles. 

Please let me know your thoughts as we will discuss each section of the offering during the meeting. 

Hi Stacy,

Sorry for the delay.

That's good news the model does work.

I'll guess the service needs to model data by both location ( eg SF, NY or .. ) AND  price ranges for those markets. A 3 BR, 2 BA home in MA would sell very quickly compared to a high end 5 BR, 5 BA home over $1M in most MA markets ( except greater Boston ). If your model allows those inputs, I expect it could be very accurate after training in a market.

Cluster analysis by market ( a set of zip codes ) would show roughly what is in demand on the sales side and what is available on the supply side to do basic matching in a market.

In theory, the only thing that "breaks your model" at any point are black swan events like this virus. I don't know if there would be a "factor" you could apply to the forecasts at that point or if you need a new model during that time period.

I linked a few sites that provide real estate apis you can access data.
Some of those I believe are free.
I don't know if they have the minimum data you need on listing date & price, selling date & price etc.

Thanks

Jim


Some Real Estate APIs that may have the listing data, sales data you need:

Real Estate APIs to review

https://rapidapi.com/blog/best-real-estate-apis/

https://gist.github.com/patpohler/36c731113fd113418c0806f62cbb9e30

Is there an API to access MLS data? - Quora

	
Is there an API to access MLS data? - Quora








On Thursday, April 30, 2020, 3:19:14 PM EDT, SN Laabs <snlaabs@yahoo.com> wrote:


Hi Jim,

Finally. :) The software expert that I worked with for years and build our multi-million dollar software.

Summary:

After reviewing the code, he believes the model is likely accurate. 

But to know 100% accuracy of code: we need to test with data in the exact parameters he hard coded into the model - against the real time it took for the houses to sell. 

1. We are going to test the model with actual real estate information we pull (from a relator) to double check the accuracy.

2. Now, if the model is accurate off the data we pull, then we have a second issue, we can/need to resolve. Demarcation. 

    The value is hard coded in at 75k, for the value. It's not 'smart', so it's unlikely that the model would translate      to accuracy in price ranges of million dollars. So we would need to figure out a way to either fix that issue.
         Quick Brain Storming:
                 1. Drop down options for real estate agents to choose from in their local area, given the different price                     points.
                 2. Create a 'smart' AI component to calculate on the fly.  

Next Steps:

Find a real estate agent who can get us data based on the current hard coded data - run the code. Check the accuracy against what 'really' happened with the house sales.

***Biggest reason: Where is the working code that the university used to create the paper? My only guess: They don't have it. 

I never asked directly because I wanted to stay in good graces with the university, but this is a good explanation as to why suddenly the professor abruptly dismissed me after the student got back to him.  

Solution:

I am getting cost to see about writing new code to predict if this is even possible. (will let you know the cost when I get it)

Even if we own the code, even if some of it is open source, we have our own 'proprietary software', as you don't patent AI software.

Also with us communicating with the university we don't want a legal fight. In fact, their code being flawed actually may help us (see below why). 

University Solution: 

I wrote our attorney CW for confirmation, but I believe the most politically and legal aspect is to honor the agreement. We publish the universities code on our github (a code repository), and do what we said we would do. 

1. It meets our legal agreement.
2. It actually helps us (if our new code works), because most people who think they can copy the code and be direct competitors have no idea the paper is flawed and code is flawed. 
3. We don't embarrass the university and get into some sort of legal conflict.

*It is known the the university in earlier emails that I was creating our own code, but we found theirs more interesting. So I should easily be able to communicate that we decided to use our own code, but are sharing theirs per our license agreement.