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Money Blog

We here at Global Prpoject Funding AG think it is important people know as much about money as possible. How it is created, how it is distributed and where are the dangers in our monetary syetems. We also want people to learn everything about Cryptocurreny as that will be our future money very soon with special focus to OneGram & Capricoin, two Currency's we believe to have an even geater future then Bitcoin. Creating awarness in these fields will help you to make better descisions. We also will provide you with practical information on project funding and project development.That's what this blog is all about. We hope this Money Blog will be of great value to you. Your Global Project Funding AG Team

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DUBAI as a domicile of top fintech companies

Posted by Ernest John Fleckenstein on May 1, 2019 at 2:45 PM Comments comments (143)

Dubai belongs to one of the largest and fastest growing urban centres in the world. The story of its development began with oil and gas; however, they represent only a fraction of the contemporary revenues. Other business sectors, including financial technology, have come to the forefront.

Dubai’s economic transformation was not accidental; it was part of a sophisticated policy focusing on the future potential. Consequently, the Dubai Emirate has become the tech-leader of the whole Middle-East area (MEA). The establishment of free trade zones (more than 20 nowadays) with tax credits guaranteed by investors, no import or export duties and minimal obligations towards local authorities have soon bore fruit. Moreover, companies based in these zones benefit from low administrative burdens and a perfect infrastructure. The functioning of free trade zones is supervised by licensing offices. It is no accident that Google, Microsoft, Oracle, Hewlett Packard, Dell, IBM and many other multinationals have their domicile there. This location is sought after and according to estimation the area will double in size over the next five years.

Dubai International Financial Center

Dubai’s economic progress is managed by the local government headed by Mohammed Bin Rashid Al Maktoum, who immensely fosters innovation in the emirate. The government's active approach to new forms of business can be witnessed also in the fact that the son of the current emir Sheikh Maktoum bin Mohammed Al Maktoum is the president of Dubai's largest international free-trade area, the DIFC (Dubai International Financial Center). It hosts almost two thousand banking, insurance, property management and other companies. DIFC offers its clients many benefits, including a 50-year zero taxation guarantee.

The Emirate development policy led to recognition of Dubai as one of the world’s top FinTech hubs, and the real leader in the MENA region. The development of the city as a global financial centre is proven by the fact that it ranked on position 19 in the GFCI 2018 (Global Financial Centers Index), leaving behind Frankfurt, Paris or Abu Dhabi. Dubai has become the largest financial centre in the MENA region.

The key accelerator of this evolution is financial technology, which has a broad impact on Dubai’s economy. FinTech start-ups in the region have raised over $100 million of funds over the last decade and this sum is predicted to double by 2020.

“FinTech is not just about digitising money, it’s about monetising data. It’s about how we can create and capture the value‑add from data, previously limited by the technology we had available. It is the second‑round value surge that is now starting to flow from an increasingly digitised economy.”

The MENA fintech industry is seeking for more venture capital to fund growing fintech start-ups, which number grows year by year up to more than 450 start-ups predicted by 2022. According to Accenture analysis, investments into start-ups will increase from $287 million in 2019 to $2.28 billion by 2022.

The UAE is also the Middle East leader in Islamic fintech start-ups. Although the global leader is Indonesia, UAE ranks third, globally. Islamic finance has been developing rapidly throughout this century with financial assets forecasted to $3.8 trillion by 2022, according to Thomson Reuters. The growth of the Islamic finance industry is driven by young, digitally native Muslims that are on average younger than the world’s non-Muslim population.

The Middle East edition of Forbes made a ranking of the 20 best Middle East fintech start-ups in 2018. OneGram ranked 13th as the only Middle East company developing a cryptocurrency based on blockchain technology.

The first Shari’ah-compliant digital asset encased in blockchain

OneGram was designed from the very beginning as a non-bitcoin reliant currency. Its inner architecture brings innovations not only to the broad Muslim community, but also to any investor who is interested in this unique digital payment solution.

The compliance with Shari’ah principles is accomplished by a backing model using a tangible asset — namely gold, which is one of the six allowed commodities in trading. Each coin is backed by at least one gram of gold. OneGram thusintroduces Islamic Finance to an era of disruptive technologies.

Where to Invest $10,000 Right Now

Posted by Ernest John Fleckenstein on April 22, 2019 at 5:55 PM Comments comments (1)

Six investing experts highlight opportunities in 2019

After a brutal close to 2018, the S&P 500 roared back, rising 13 percent in the first quarter and up 16 percent for the year as of mid-April. The rally added $4 trillion to stock values, surpassing the bullish yearend predictions of many U.S. equity strategists in less than four months.

While stock strategists debate whether to raise performance targets, investors must grapple with the fear of missing out and, in the wake of the fourth quarter’s market drop, the desire for capital preservation. Just how much anxiety that mental battle creates is a good gut check on how much volatility you can stomach without panicking in a downturn. So while marveling at the market’s seemingly relentless rise, evaluate whether you have enough set aside in emergency savings, if your allocation to stocks is out of whack and whether you can tick off all the boxes in “" target="_blank">The Seven Habits of Highly Effective Investors.”

To move beyond the basics and find opportunities, Bloomberg turned to its panel of six market experts for ideas on where to best stash a $10,000 windfall right now. Suggestions range from investing in new profit cycles tied to environmental, social and governance considerations to riding the wave in emerging markets and wagering on unloved euro-zone equities. Bloomberg Intelligence ETF analyst Eric Balchunas highlights exchange-traded funds that provide ways to invest around those themes, and looks at how his picks performed in the first quarter.

Ice Hockey World Championship Cup 2019 To Accept OneGram Cryptocurrency Payments For Event

Posted by Ernest John Fleckenstein on March 17, 2019 at 7:00 PM Comments comments (0)


People Can Purchase Tickets For The Ice Hockey World Cup 2019 Final Using Cryptocurrencies

A new sports event will now be accepting cryptocurrencies for its tickets. This time, the final of the Ice Hockey World Championship 2019 will allow individuals to purchase tickets using cryptocurrencies. The final will be taking place on May 26, 2019, in Bratislava, Slovakia. The information was released by Boerse Express on March 1st.

Users can acquire these tickets with traditional fiat currencies and credit/debit cards. It is also possible for them to use OneGram, a gold-backed virtual currency that was released by the 01People group that is based in Dubai. 01People is led by a group of IT developers. In order to purchase these tickets, the company has even created a special dashboard for the occasion.

He went on explaining that in the future the intention is to create new solutions for users. Allowing users to purchase tickets with their Gold-backed virtual currency for this important sport event shows in which direction the company is trying to move forward.

The CEO of the company said that individuals can currently use virtual currencies in cafes, restaurants, pharmacies and other shops around the world. With OneGram it is also possible to purchase real estate and cars in Dubai. The firm offers these solutions since 2018.


A few months ago, Litecoin announced that it was sponsoring an international kickboxing game. The team behind Litecoin (LTC) decided to sponsor the whole event rather than a single player in order to gain even more attention from the media.


Since then, Litecoin has experienced important growth. Compared to the lowest point reached by LTC in December, the virtual currency is trading 100% higher than at that time.


Posted by Ernest John Fleckenstein on January 31, 2019 at 6:10 PM Comments comments (0)

This year, global remittance payments surpassed $613 billion, increasing by 7 percent from 2017, according to statistics from the World Bank.


It’s a vital industry to many Asian, African and South American countries, with money sent to relatives and friends making up significant portions of their respective GDPs.


And as it stands, the sector is largely dominated by just three providers: Western Union, MoneyGram, and Ria.


Western Union charges $5 for a money transfer of up to $50, but a transfer of $900 could cost $76.These fees slide in price as the amount of money to be transferred within the same country. However international transfers are more costly and complicated. However, charges for this same transaction to Ireland range from $5.00 to $42.00 and to China, charges range from $10.00 to $75.00.


MoneyGram is Western Union's biggest rival. MoneyGram recently changed their fees to a flat rate of $11.50 for transferring between $50 and $900 within the United States, and 2% for amounts over $900. But MoneyGram built its reputation on international money transfers. Its international transfer fees.


“You can transfer $500 to Mexico, using a credit or debit card, for a $9.99 fee, but the same transaction costs $31.00 if the money is picked up in Ireland, and $49.99 if it goes to China.”


Ria’s fee structure is not much different, sliding fees based on how much is to be sent, the origination, destination and mode of transaction. Ria even offers an online fee checker that can give you an estimation on what the costs of transferring money might be.


In fact, over 25 percent of all remittance payments are sent using these three services, giving them an unfair control over fees and surcharges.


Not only does that pull money away from individuals that need it, the high fees actively prevent cash from being sent altogether.


But times are changing.


With the advent of FinTech solutions such as TransferWise and InstaRem, money is being sent faster and with lower fees than ever before.


And though these companies have carved out their own piece of the market, there’s a new kid on the block, offering an array of innovative solutions poised to flip the industry on its head.


Where Bitcoin and Ethereum fell short, newcomer Capricoin takes the best of both worlds, discarding the dated algorithms and slow transaction times in the process.


It’s more than just a digital currency, it’s an all-in-one solution for one of the world’s most overlooked, but important industries.


Like many other cryptocurrencies, Capricoin is built on blockchain technology, allowing fast and anonymous transactions with no middle-man. But instead of using a costly and environmentally damaging proof-of-work consensus protocol, Capricoin has chosen the road less traveled.


With its own proof-of-stake blockchain, Capricoin transactions cost virtually nothing and utilize a tiny fraction of the energy its competitors do.


In addition to its innovative approach to blockchain technology, Capricoin has also created an easy-to-use API interface, allowing third parties to easily integrate the tech into their own operations.


This feature, in particular, has practically unlimited potential, allowing reliable, cheap, and easy international transactions at the drop of a hat, opening up a new world of payment possibilities., free from high fees.


Capricoin’s unique take on the growing remittance industry has positioned it well ahead of its competitors, and as a perfect solution for individuals and businesses looking to become involved in one of the fastest growing, and most important industries on the planet.

The Blockchain and Us (2017)

Posted by Ernest John Fleckenstein on March 3, 2018 at 10:25 PM Comments comments (0)

n 2008, Satoshi Nakamoto invented bitcoin and the blockchain. For the first time in history, his invention made it possible to send money around the globe without banks, governments or any other intermediaries. The concept of the blockchain isn’t very intuitive. But still, many people believe it is a game changer.

Economist and filmmaker Manuel Stagars portrays this exciting technology in interviews with software developers, cryptologists, researchers, entrepreneurs, consultants, VCs, authors, politicians, and futurists from the United States, Canada, Switzerland, the UK, and Australia.

The Blockchain and Us is no explainer video of the technology. It gives a view on the topic, makes it accessible and starts a conversation about its potential wider implications in a non-technical way. The film deliberately poses more questions than it answers.

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How the blockchain will radically transform the economy | Bettina Warburg

Posted by Ernest John Fleckenstein on March 3, 2018 at 10:20 PM Comments comments (2)

Say hello to the decentralized economy -- the blockchain is about to change everything. In this lucid explainer of the complex (and confusing) technology, Bettina Warburg describes how the blockchain will eliminate the need for centralized institutions like banks or governments to facilitate trade, evolving age-old models of commerce and finance into something far more interesting: a distributed, transparent, autonomous system for exchanging value.

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How the blockchain is changing money and business | Don Tapscott

Posted by Ernest John Fleckenstein on March 3, 2018 at 10:15 PM Comments comments (0)

What is the blockchain? If you don't know, you should; if you do, chances are you still need some clarification on how it actually works. Don Tapscott is here to help, demystifying this world-changing, trust-building technology which, he says, represents nothing less than the second generation of the internet and holds the potential to transform money, business, government and society.

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Vizionary and their Mission

Posted by Ernest John Fleckenstein on November 26, 2017 at 9:20 PM Comments comments (0)

ionary’s mission is to create an active global user base for Capricoin & OneGram crypto currenies and contribute to making them become one of the most widely used and respected crypto currencies on the market.

We promote the adoption of the coin through an innovative network marketing system that is exciting, fun and rewarding.

Vizionary is three opportunities in one:

  • A crypto coin with unprecedented potential
  • A rewarding members only trading platform
  • A powerful and innovative recommendation program

Vizionary is a network marketing company that provides crypto currency education, both theoretical and practical. The theoretical part is step-by-step info about crypto currency and keeping the members updated about the latest news in the industry. The practical part is that we offer a mining service with access to an online crypto currency wallet and access to an exchange platform.

As we go through our daily life, we are given many opportunities. These opportunities present themselves in different ways, some are easy to spot and others are hidden from an unexperienced eye. When the time comes, you will be asking yourself a few questions:

  • How do I know this is going to work?
  • How do I know that it will be worth it?
  • How serious am I about this?

In the end it takes experience to make the right choice. You need to analyse all the presented material and ensure that even the smallest detail about the business makes logical sense, and has potential to enter the respective market in the respective time period.

We will simplify the whole process so everyone can participate by a few clicks of a button.

The greatest opportunities in our lives pass us by without us realizing their significance at the time. Vizionary is here to grasp the moment of the revolutionary shift of global economy to make an impact and change the lives. Together we will change the way people buy and sell products and services online and in the real world.

Bitcoin has been around for a few years and many of you are aware that it is gaining popularity. The very nature of the inherent design of Bitcoin is to enable transactions that are untraceable by governments and banks. While this remains a fringe activity, it will be tolerated. Very soon governments and tax authorities will want a cut of the action.

Sooner or later we will all realise that there is nothing mysterious about using crypto currencies. Part of the Vizionary Mission is to educate our users about how to maximise their stake in the new economy.

We believe that in the future, crypto currency and traditional Fiat currency will co-exist hand in hand. The changes are subtle, and they are happening all around us. Most of us already prefer to use credit cards and other electronic forms of money instead of cash.

Along with selling the crypto currency mining packages, our primary focus is to provide crypto currency education program, both theoretical and practical. The bronze starter pack shown above is a step by step guide to becoming a user of crypto-currencies, information on the history, expert opinions and current view of the future of the business as online documents and videos. The other packages are about providing a crypto currency mining service.

In the long run the only systems of payments that will survive are those that will enable legal business transactions.

This is where we come in. Our aim is to ensure that we work with coins that are used for legitimate purposes. We want to build a community of users with a common purpose of supporting, developing, growing, or creating a long term stable payment solution. We aim to create a community of hard working merchants who are not constantly worried about chargebacks or having their accounts frozen by the banks at whim.

Vizionary is designed to be simple and stable. Our key business strengths are built on a strong and experienced Operations Team and a professional network of Associates.

What has The OneGram Team been up to?

Posted by Ernest John Fleckenstein on November 26, 2017 at 8:00 PM Comments comments (0)

OneGram has closed it’s 1st Phase of sales on the 3rd of Sept, 2017, but the team could not be busier! We have been working harder to do right by our supporters. YOU! In today’s update, we want to talk about the following:

  • OneGram Development
  • Vizionary Partnership
  • Gold Storage
  • 3rd Islamic Retail Banking Award by Cambridge IF Analytica

OneGram Development

We are extremely proud to announce that in our pursuit to ensure ONEGRAM, GOLDGUARD and YALLAPAY remain at the forefront of crypto development and innovation we have forged an alliance with our development partners who are the leading experts in the crypto and blockchain space through a joint venture vehicle namely 01 Crypto House, which enables us to mobilise our own in-house crypto development team which will not only work internally on the monitoring, development, maintenance and security of our own systems but deliver innovation to the wider global tech community. We have made this investment to further assure our investors that ONEGRAM is sparing no expense to establish our digital token as the leading global payment solution with the latest technology and support systems.

01 Crypto House is a select team of professionals and blockchain enthusiasts experienced in many different areas such as blockchain business strategies, crypto development, crypto security, fintech systems, integrations and smart contract applications.

01 Crypto House is hard at work in the development of the technologies that will make OneGram successful. We are on schedule to launch within the 1st quarter of 2018. We have not had a group of people more dedicated and goal oriented as the team we have now! While there may be some setback in our timeline due to team changes, we have no doubt that 01 Crypto House will take this project to the finish line and even farther!

The OneGram Blockchain

The key elements of the OneGram Blockchain have been updated while the basic specifications will stay true to the original whitepaper:

Key Elements

  • Blockchain core – Graphene / fork
  • Delegate Proof of Stake (DPOS)
  • Minimum witness nodes 11
  • Block size up to 1MB
  • Block time 60 seconds
  • Units: One gram coin (OGC)
  • 12,400,786 OGC
  • Recyclable coins (no burning)
  • eWallet + optional HW wallet integration


  • Transaction fee – 1%, up to a maximum of 1 OGC
  • 70% of this fee is reinvested to buy more gold
  • 25% of this fee will be used for development & operations
  • 2.5% will be donated to Charities
  • 2.5% will reward miners (DPOS staking)

Vizionary Partnership

As partners, OneGram and Vizionary travel together to build a stronger distribution team. Together, we were privileged to be guests at the Business Channel Turk TV in Istanbul, Turkey as well as headed an event for our network leaders in Lahore, Pakistan.

  • Total OGCs sold: 16,926 coins
  • Total OGCs waiting for payment: 21676 coins
  • Total Orders in Progress: 6786 coins

Critics’ Choice for Best Islamic Cryptocurrency Award

On the 14th of Nov, 2017, we were honored to accept this award from Cambridge IF Analytica’s 3rd Islamic Retail Banking Awards 2017.

Receiving this award is an amazing achievement for us. We started 10 or 11 months ago with this amazing concept. We knew we were going to break new ground. We were bringing together the conventional commodities investment and pairing it with the latest technology in digital currency – which not many people are aware of – and we are encasing this in a 1400-year-old jurisprudence. So obviously, everything was a first, but with an amazing team, with the fantastic media response, and most importantly gaining investor support for OneGram, we made a mark in history, for sure. We are also beginning to make marks with the industry and receiving this award is an acknowledgment of that for which we are very grateful! It’s an honor for us to receive this award and we thank you very much! — Mohammed Ibraheem Khan

Official updates and announcements will be released via and user notifications in

As always, any questions, concerns, and support requirements you may send an email to

We thank you for your support and pray that God blesses you more! In sha Allah!


The OneGram Team

Want to purchase OneGram go to:" target="_blank">Order here

OneGram Wins Critics? Choice Award 2017

Posted by Ernest John Fleckenstein on November 26, 2017 at 7:30 PM Comments comments (0)

Another First in the Cryptocurrency Industry

Dubai, UAE [16-Nov-17] – OneGram, the first and only Sharia Compliant Cryptocurrency backed by physical gold, has again made its mark in history.

The Islamic Retail Banking Awards (IRBA) is the first-of-its-kind Islamic banking awards program developed by Cambridge IF Analytica. On the 14th of November, 2017, the 3rd IRBA was held at JW Marriot Marquis Hotel in Dubai where more than 30 awardees where recognized in their respective categories.

The Critics’ Choice for Best Islamic Cryptocurrency was awarded to OneGram. This is the first time a cryptocurrency has ever been recognized in a mainstream awards program such as IRBA.

“Receiving this award is an amazing achievement for us. We started 10 or 11 months ago with this amazing concept. We knew we were going to break new ground. We were bringing together the conventional commodities investment and pairing it with the latest technology in digital currency – which not many people are aware of – and we are encasing this in a 1400-year-old jurisprudence.

So obviously, everything was a first, but with an amazing team, with the fantastic media response, and most importantly gaining investor support for OneGram, we made a mark in history, for sure. We are also beginning to make marks with the industry and receiving this award is an acknowledgement of that for which we are very grateful!


It’s an honor for us to receive this award, “says Mohammed Ibraheem Khan, Founder of OneGram and CEO of GoldGuard.


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