Hi Dirk, thank you for your comment! I'm Tiffany, one of the co-founders. The financing can be from crowdfunding, loans, public spending, or any type. We convert that financing into digital tokens for disbursement. For example, Regrow helps people without collateral or credit history access affordable finance by disbursing loans using digital tokens. Digital tokens are an evolution of e-voucher and cash transfer programs. The tokens can only be spent at approved vendors meaning that the funder knows exactly when, where and what it was spent on. At the same time, the recipient can choose exactly which shop and what services she needs. Regrow helps solve the problem of trust between funders and receivers. Funders can trust that the tokens will not be spent on unrelated business expenses. At the same time, we truly help put the recipient in a position of market power, to demand better vendor services, to spend as she needs.