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The Time Value of Money/Cryptocurrency ... Solved.

In 2016, I wanted to find the best opportunities to achieve a passive income from Cryptocurrency. I started working with Masternodes and most prominently the Cryptocurrency, DASH (dash.org). But after the Bitcoin Blow-off top of December 2017, I found it hard to make money for myself and my clients.

I continued my search for better tools and strategies and in 2019, I found what I was looking for, a cryptocurrency, Designed and Founded by Richard Heart, that claimed to have solved one of the most insidious and complex questions in every cryptocurrency and perhaps every monetary system to ever exist.

One of many Richard Heart, Founder of HEX, Meme's

Bitcoin and other cryptocurrencies leave many people wanting a better explanation of where the value comes from beside the tried and true argument of “Supply and Demand”, Stupid. That’s the same argument for Gold, Bitcoin, Pet Rocks, and Barbi Dolls.

And that works, for a while.

Gold has endured as a “Store of Value” SoV for 5,000 years. Fine. But, that’s not good enough for many. And it’s wasn’t good enough for Richard Heart.

Consider the more familiar concept of Barter. I give you something you value and you give me something that I value and we part better for the deal having been done.

What could be something that you value and that I value, but it is not the “thing” itself that we value, but something surrounding the “thing”. Something the “thing” achieves or acquires. Something it grows into?


What most all cryptocurrencies, including Bitcoin, lacked was what I call, an emergent property, attached to that cryptocurrency that everyone could agree was valuable and which enforced by the blockchains security mechanisms was beyond the intent of any entity or government or even your own desires to alter once a transaction was finalized.

In philosophy, systems theory, science, and art, emergence occurs when an entity is observed to have properties its parts do not have on their own, properties or behaviors which emerge only when the parts interact in a wider whole.


But, how could a cryptocurrency achieve or acquire this “emergent value” property that didn’t exist before and would be obvious to any observer?



Richard Heart

Richard Heart cracked the code when he focused his attention on one of the most common financial instruments used in every country and under every financial system that has ever been created. It involves a property of money that is easily observed and attested to by every human.


We, ordinary humans, can invest in a cryptocurrency that exploits this property with confidence that other ordinary humans will see, understand, and agree that the value has indeed been maintained or grown.


What is that emergent property? The Time Value of Money (TVM).


The time value of money (TVM) is the concept that the money you have now is worth more than the identical sum in the future due to its potential earning capacity. A bird in the hand is worth two in the bush or “any amount” in the future. So, the only F’ing way I’m giving you my bird today is if, in the future, you give me two birds. Shake? Pinky Swear?


This core principle of finance holds that provided money can earn interest, any amount of money is worth more the sooner it is received. TVM is also sometimes referred to as present discounted value. How Richard Heart, captured this concept in cryptocurrency and produced a finished product that simply executes day in and day out like a clock is the Story of Hex.



10,000x for HEX from it's ATL is just $0.56


Hex (Hex.com). It’s a Certificate of Deposit (CD) on the Ethereum Blockchain. It’s “Autonomous Money” and my main tool for providing automatic, passive income for myself and my clients.


Cryptocurrencies store “Monetary Energy” and are going to eat the worlds of traditional finance. Join me on the journey.


Joe Terry, The Bitcoin Doctor http://t.me/BitcoinDoctor

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