(Under Development)

HOST is a digital currency based on the ERC-20 platform that adopts project-variable utilities throughout a special drip-delivery synthtetic mining algorithm to create unique value enhancement.



(Under Development)

M0N3X is an in-development application with world-class software and trading infrastructure. It is currently being integrated with another provider’s software to form a best-of-breed innovation.


COE, MNY (Smart contracts)

M0NK3Y is the original community within The Factory Banking Project. Comprising two smart contracts, Coeval (COE) and Monkey (MNY), the tokens represent the embryo and the parent smart contracts in the token family. The former has a historical high reached of 0.54 BTC, while the latter has been enhanced via a planned swap in Q1 2018 to encompass multi-purpose value mining of Ether and other valuable mainstream crypto.

What is Proof of Value?

Traditionally, there have been only two technological forms of Factory Banking that have been applied across a digital economy in the sense of any sort of meaningful scale. They are Proof-of-Work (POW) mining and Proof-of-Stake (POS) mining. In both instances, POW and POS technology protocols manufacture digital assets of immediately realisable value. In the POW protocol, the challenge is the early investment in digital asset mining equipment as well as early participation in the POW asset being mined. In POS protocols, mining algorithms favour those “staking” higher quantities of digital value units, functioning like asymetric dividends.

More recently, there has been the invention of a new synthetic mining protocol known as Proof-of-Value (POV). In POV, the miner uses a stake of a digital currency unit to replicate a digital value minting process more akin to a POW mining process, thus marrying the POW and POS core technological protocols together conceptually. Production ceases when the new units of value fall below the cost of production and increases automatically by means of traders looking to arbitrage immediate value whenever the cost of production falls below the resale value of the digital currency unit.



FUTR and FUTX apply derivative, or option utillity to value mine smart contracts in uniquely profitable ways. Derivative utility is a form of payment functionality that reverses a typical payment transaction into a transaction that makes a payment back. When an exchange of tokens happens as a result of a smart contract application being applied, the utility of the seed token where utility is derived from is transferred by way of coeval value to the option utility token. The process is often accompanied by feemining, whereby a slice of the seed is retained by the project for ongoing development and management purposes. 



Futer Exchange is the world’s first Alternate Pair Exchange (APE) as outlined and defined in the Zurcoin White Paper. It harnesses the power of derivative utility tokens to trade a diverse range of pairs such as LTC, DASH, ART and others.

What Is Z-Efficiency?

In traditional economics, X-Efficiency is the efficiency that is lost as a result of a manufacturer’s monopolistic advanatge over its competitors.

Z-efficiency is similar, but not entirely the same thing. Z-Efficiency, similar to its namesake X-Efficiency, is the efficiency of leading digital currency trading pairs on a technological basis that is usually lost as a result of their incumbent status 

Z-efficiency postulates that just as for x- and y- efficiency reductions in the case of monopolies in a given sector, so in digital currencies there is a loss in innovation efficiency that occurs with respect to the technology underlying digital assets once a digital asset becomes a major trading pair. The loss in z-efficiency is the result of the market incumbent status leading to an over-trading or inappropriately high trading frequency of the incumbent digital currency pair, reducing incentive for technological improvement. As a result, such pairs are more likely to have substantial network problems / clogged networks and / or to make less technological breakthroughs which have a net value addictive effect on the Blockchain as a system. In its place is substituted financial value of the digital currency unit via means of a combined hyper-inflation and hyper-deflation effect. 

The result is to combine the side-effects of x- and y-inefficiency and compound them whereupon substantial systemic value erosion eventually occurs. This is the case with Bitcoin and Ethereum; despite a core development team going back 9 years, Bitcoin’s team has still not added anything in core Blockchain innovation since the date of Satoshi’s original White Paper. Similarly, Ethereum has yet to make any of the sort of breakthroughs that competitors such as NEO, ICON etc. are proposing to despite its inordinate market share and the foundation’s capitalisation. 

In markets where substantial z-inefficiency is the norm, asset values of leading digital asset pairs will explode out of all proportion potentially up to the trillions of dollars in market capitalisation before a combination of hyper-deflation and hyper-inflation erodes net market value across the entire market. However, the period of z-inefficiency can continue for very long periods of time. In z-inefficient markets, derivatives that harness the value-add of the z-inefficiency in the incumbent currency pairs are fertile territory for value- enhancement.



In August 2017, M0NK3Y invested approximately $250,000 in a dormant 3.5 year old crypto called Zurcoin. Over the subsequent 6 months M0NK3Y re-sold its position at an enormous loss in order to distriibute ZUR out over a wider number of crypto buyers. In December 2017, TFBP foudner teamed up with Zurcoin Blockchain’s developer to formulate a White Paper and redress the website/branding of the coin. A number of large application developers are now eyeing this coin as a “best investment of 2018” hopeful.

What Is A Value Coeval?

In Blockchain based digital currencies, where payment utility is the dominant metric by which value is measured, there can be no alpha coefficient despite what appears to be a very large portion of alpha compared to other assets in an investor’s portfolio. A Value Coeval is the coefficient-equivalent of investment Alpha for Blockchain-based payment utility assets. It is also a value configuration for the Internet of Things Economy, wherein all three traditional value configurations are present. In a Value Coeval, a value chain exchange is realized via the value network it is created on using the value shop it is simultaneously created by within the identical value chain process. Thus, the value creation and the value production process are both identical.



(Under Development) 

Marx Rand Media is a divison of the same parent company as M0NK3Y, and currently has one news site, The Currency Journal, which is fully live and operational. Over the courst of the next year MRM will launch an additional 10 news sites and a live streaming TV channel for decentralised news.  The Currency Journal features some of the most insightful financial analysis on the Blockchain and boasts over 100,000 unique readers per month.

What Is Factory Banking?

Factory Banking is the process of manufacturing value using a technology. Value is distinct from any other sort of product in that its cost of manufacturing is never higher than its non-discounted net present value or else it is not value that is being manufactured. Therefore, only forms of payment utility, arbitrageable assets and/or alternative value constructs wherein manufacturing cost is negligible or zero are eligible for factory banking. For example, it is impossible for a chair to undertake the process of being factory banked, since the marginal cost of manufacturing the chair combined with the risk of shipping and storing the chair before point of sale necessarily assumes that if there is cost associated with the production of the chair that it is below a certain threshold in order to qualify as being profitable.

This traditional method of manufacturing contrasts with the manufacturing of value. In Factory Banking, a digital asset can be created which is then either instantaneously exchangeable for a higher amount of value via an alternate sales channel (such as an exchange where digital assets are traded against one another, for example) or, if this is not the case, then additional value units will not be created since they can be obtained more cheaply via the source of supply wherein they are discounted to their cost of manufacturing. In this way, the risk that is inherent in the cost of production of value is negligible and oftentimes, zero.

Total number of Waves-issued tokens sent in

How FUTR Hedges Investors

“Futereum has already started selling aggressively as investors are looking to hedge their potential losses and amp up the potential rebound.”

Bitcoin's Billion Dollar Baboon

“For once, this is a Crypto offering worthy of something that could fill a public company Boardroom … tidy, smart and innovative.”

The Magic Money Machine

“Introducing Daniel M. Harrison … FactoryBanking inventor. Serial entrepreneur. Bitcoin 2.0 enthusiast. Blockchain evangelist.”

The Berskhire of Crypto

“… COE has gained wild popularity in recent weeks in a market which has otherwise posted sluggish returns after a huge rise.”

Futereum Creates Reverse Back Cryptocurrency

“Futereum, a new type of crypto that was launched two weeks ago, endeavors to re-engineer the idea of crypto
value entirely.”

Expert Panel To Discuss The Future of Bitcoin

“Harrison is a regular public speaker, and writes regularly on the issues and innovations affecting companies and markets around the world.”

No Bubble For Bitcoin

“Tech entrepreneur Mark Cuban has recently said Bitcoin is facing a bubble. Daniel M. Harrison reveals that is impossible.”

The Bitcoin Bubble Debate

“Daniel Mark Harrison says It’s Impossible for Bitcoin to be a Bubble. His reason, bipolar market theory, is the most convoluted reason to date.”|Copyright 2018 The Factory Banking Project All Rights Reserved