Brought to market by the team that made billions in ‘complex transactions’ flow seamlessly through the private placement financial sector, eHealth private and public sector, real estate and mortgage banking - sponsored by Finaeos, in partnership with Microsoft Azure & Oracle Cloud.

BlockCerts Tokens (BCERTS) radically change the efficiency of multi-party transactions by creating a new token that can automate smart contracts through the work flow using a Governance, Regulatory, Authenticated, Compliant Exchange (GRACE) and smart contracts. Introduced on the Central Smart Registry, which can be synched at any time to public blockchains such as Ethereum and Hyperledger.

The BCERTS programmable tokens can be used to streamline any complex transaction.

The utility of the token is based on smart contracts that require multiple participants. Think mortgage, real estate, banking and health care – all of which require several parties to complete a transaction. Simply stated, transactions will automatically flow directly between people and companies more accurately, effectively, and rapidly while eliminating the costs of the man-in-the-middle organizations that currently generate billions in fees.

The Man-in-the-Middle Problem

The fee based economy is broken, costing livelihoods and healthcare. BCERTS Tokens are how we will change the fee-based industry of complex transactions with Streaming Transactions™.

Most of today’s transactions and services are complex. This has allowed intermediary organizations to form and generate huge profits from simply handling transaction flow. It is time to fix an expensive, broken system.

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1. Start smart contract

2. Authenticate required transaction parties

3. Blockcert every step

4. Blockchain validate

5. Automate compliance

6. Distribute

7. Completed

BlockCerts Token created
Choose smart contract
Value Node points used
Completed BlockCerts Contract

Transactions Are Costly – Why?

Where multiple parties are required to create, supply and pay for a transaction there can be huge costs. The expense of tracking, fulfilling, paying, regulatory and audit costs top half a trillion dollars in health care alone, nearly 18% of US GDP. Add this to the costs of banking, real estate, mortgage, banking, and one can see how transaction fees are killing us.

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Technological Innovation

Now with blockchain we can decentralize transactions. We call this Transaction Streaming™ technology that allows every step of the way to be validated, distributed amongst the involved parties, properly accounted for, and paid – think of what music streaming did for entertainment, only harder.

How It Works


Our team has spent over a decade and millions of man hours on technology that has processed billions of dollars’ worth of transactions. From finance to health care, real estate to mortgage banking – we are industry experts that know the fees and inefficiencies of the fee-based economics driving profits to a few but costing everyone.

Meet The Team

Who needs transaction streaming? Everyone!

Real Estate & Mortgage

Imagine you are buying a home. You get a mortgage, real estate agent, home insurance, title insurance & legal, inspections and transfer money from buyer to seller and service agents. Average transaction costs on a home are estimated at over $25,000. Potential savings with streaming transactions could be tens of thousands of dollars.

Regulated Transactions

Regulated transactions can be streamlined, documented, validated and compliant for a 100% audit trail – audit ready in any industry that requires Governance, Regulatory, Authenticated, Compliant Execution of contracts. Most large and critical agreements we make in our lives - the largest purchases, assets we will forever own, and our health fit in this category – and there is a regulator in nearly every case whose job it is to keep track of what happened.


Your small business needs a loan. Big banks continue to deny loans to small businesses, lending at a rate of fifty percent less than before 2008. A streamed loan transaction request puts loan applications for small business into a broad market of options, with a better chance of success.

Health Care

You go to the doctor and get a prescription. You then go to a pharmacy, make a payment from your credit card and insurance pays the rest. Cost in US for health care on average is $10,000 per person annually. Cost savings to patient, doctor, and insurance companies by streaming transactions? This could be in the thousands of dollars per patient, per year.

The Platform

Solution Primarily Code Complete

The infrastructure of the BCERTS CORE is primarily “code complete” and tested, meaning it has processed transactions, is stable and ready for deployment. The business model and final “rules of engagement” are under review, and will be deployed for live production expected in early 2018.

At the same time, we are conducting our initial Use Case applications to demonstrate the efficiency and cost reductions possible to businesses using BCERTS over the blockchain. These will be released to the public once complete.

Conducting real-time use cases for commercial transactions will yield significant information that we can use to enhance the user experience. Our goal at BlockCerts is to make entering into a complex streaming transaction as easy (or easier!) than using traditional daily use business software.

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Introducing the Smart Contract Streaming
Transaction Process

The BCERTS Programmable Token
Automated Re-Minting Process


  • BCERTS Token B - Burndown Phase Begins

    Start with a smart contract - tagged with the critical areas of certification through BCERT and VNODE points throughout.

  • Authenticate required transaction parties

    BCERTS verify each party in the transaction, who they are, every step completed and the terms they have agreed to.

  • Blockchain validate

    The central smart registry blockchain ledger keeps terms private. The Ethereum blockchain ledger guarantees the valid contract.

  • BlockCerts At Every Step

    The utility economy of BCERTS Tokens creates a never-ending process of re-minting as contracts proceed through to completion – always returning value to the ecosystem. BCERTS transact exactly like fiat money or shares move.

  • Automate compliance

    Terms, actions and regulations flow to assure the performance of each party, the contract completes as committed.

  • Distribute

    The distribution of value, assets, money, property completed on terms and on time to all parties.

  • BCERTS Token C - Completed Token Phase

    The BCERTs contract is recorded, terms clearly understood, or ready for future performance - guarantees the transfactions, insures the performance, automates trust and certainty.

BCERTS Token A (2)


The cost and impact of the ‘fee based economy’

Complex transactions, and compliance cost us a lot.

Financial Services & Banking

  • Banking charges for transaction fees, account maintenance and penalties in 2016 topped $6.5 billion- the top ten banks for $438 billion in total fees.
  • Credit card payments in the United States, with American Express leading at 675 billion, were $2.6 trillion at 1.5% - 3.5% going in fees to processors.
  • Pharmacy and health care companies handling benefits and payments earned over half a trillion dollars ($550 billion dollars), or 1/3 of the cost to the US tax payers annual cost of health care $1.5 trillion.
  • Insurance coverage revenues in premiums $4.55 trillion globally in 2016
  • Private investment transactions were $4.80 trillion in 2015, fees to the investment banking firms on transactions were $111 billion in 2016

Healthcare, Home Ownership - Big Trouble

  • “The great realtor rip-off…the internet has squelched inefficient middlemen in other industries, from insurance brokers to travel agents. Why not American realtors? American property brokers cause “social waste” of $8 billion a year via overcharging and inefficiency.” The Economist
  • US Healthcare spending in 2015 increased to $3.35 trillion or $10,345 per person
  • Transaction fees in healthcare are nearly equal to the entire Medicare spending of the US Gov., 17.8% of Gross Domestic Product (GDP)
  • The average U.S. household spends $290 a year on bank fees
  • The homeownership rate in 2016 was the lowest in 50 years.
  • Average cost of $25,000 per real estate transaction.*
  • *based on average price of a home $368,100 August 2017 *there are 5.5 billion prescriptions in the USA – health care is $3.2 trillion

Business and Most People are Losing

  • Median household income rose less than 1% from 2005 to 2015 in the US 4
  • Bank of America, Citigroup, JPMorgan Chase, and Wells Fargo—cut back significantly [small business loans] at the top 4 banks remained at roughly 50% of their pre-crisis level through 2014. … decline in business establishments that expand employment in a given year, slower employment growth, an increase in the unemployment rate, and slower wage growth.5
  • Most employer firms (5,205,640 or 89.4%) had fewer than 20 employees …firms with fewer than 500 employees provided almost half (47.8%) of all jobs.
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