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en/GLOSSARY.md

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+# Glossary of Terms
+
+**Navigation:** [← Table of contents](README.md) · [FAQ](FAQ.md) · [Disclaimers](DISCLAIMERS.md) · [Contacts](CONTACTS.md)
+
+---
+
+## Tokens and Blockchain
+
+### Governance Tokens
+VC HB3 Accelerator tokens granting rights to dividends (15% of treasury inflows), on-chain voting, creating proposals, and access to accelerator projects. Total: 3,000,000 tokens. Available to LP: up to 30% (900,000). Price: 1,000 USDT per token.
+
+### Admin Tokens
+Licenses to use the DLE platform. Holders get access to settings and updates for 5 years. Plans: Standard (1 token, 1,000 USDT), Premium (10 tokens, 10,000 USDT).
+
+### ERC-20
+Token standard on the Ethereum blockchain. The DLE platform uses ERC-20 for governance and admin tokens. Extensions used: ERC20Votes (voting), ERC20Permit (signatures).
+
+### Smart Contracts
+Self-executing programs on the blockchain. In the DLE platform they are used for token management, voting, dividend distribution, and linking regulator identifiers to blockchain operations.
+
+### On-Chain Voting
+Voting system via smart contracts. All votes are recorded on the blockchain and verifiable. 1 token = 1 vote.
+
+### Quorum
+Minimum number of votes to pass a decision. Initial quorum: 51%, can be raised to 70% via vote.
+
+### On-Premises
+Deployment model where the platform is installed on the client’s infrastructure (not in the cloud). Ensures full control over data.
+
+### EVM Networks
+Networks compatible with the Ethereum Virtual Machine. The DLE platform supports all EVM networks, including Ethereum, Polygon, Arbitrum, and others. Multi-chain architecture allows operating in several networks at once.
+
+---
+
+## Financial Terms
+
+### Dividends
+Payments to token holders proportional to ownership. 15% of all treasury inflows.
+
+### Fund Treasury
+Balance of funds backing governance token liquidity. Formed from license sales, portfolio company exits, and LP investor capital.
+
+### Liquidity
+Ability to exchange tokens for stablecoins. Treasury balance provides liquidity for all tokens via redemption mechanism.
+
+### Exit Rate
+Share of portfolio companies that successfully exit. Conservative scenario: 10%, optimistic: 20%.
+
+### Pre-Seed
+Early investment stage — company at idea or prototype stage. Check size: 50,000–200,000 USDT.
+
+### Seed
+Investment stage — company has product and first customers. Check size: 200,000–1,000,000 USDT.
+
+### Series A
+First major venture round after seed. Check size: 1,000,000–4,000,000 USDT.
+
+### ICO (Initial Coin Offering)
+Initial token offering — way to raise capital by selling tokens. Check size: 500,000–2,000,000 USDT.
+
+### Lock-Up Period
+Minimum holding period during which an investor cannot sell tokens back to the treasury. In VC HB3 Accelerator: 60 months (5 years). Applies only to treasury redemption — sale on secondary market and transfer to third parties are not restricted.
+
+---
+
+## Business Terms
+
+### LP (Limited Partners)
+Venture fund investors. In VC HB3 Accelerator, LP receive governance tokens and effectively become GP with voting rights.
+
+### GP (General Partners)
+Venture fund managers. The founder is GP; LP get GP rights through tokens.
+
+### Token Holder
+Owner of governance or admin tokens. Rights depend on token type.
+
+### Client
+Token holder who publishes development and support tasks. Payment from treasury (15% expenses).
+
+### Contractor
+Token holder who performs client tasks. Paid from treasury.
+
+### Accelerator
+Program supporting entrepreneurs: platform setup, training, access to investment. First accelerator target: 21,000+ entrepreneurs, 5 years.
+
+### Cohort
+Group of entrepreneurs in the accelerator. 4 cohorts × 70 groups by line of business.
+
+### Portfolio Company
+Company in which the fund invests. Target: 600 portfolio companies over 5 years.
+
+---
+
+## Technical Terms
+
+### Docker
+Containerization platform. DLE is delivered as Docker containers for easy deployment.
+
+### RAG (Retrieval-Augmented Generation)
+Technology combining knowledge-base search with text generation. Used in DLE AI agents for answers based on uploaded documents.
+
+### FAISS
+Vector search library. Used in AI agents for semantic search over knowledge bases.
+
+### Ollama
+Platform for running local LLM models. DLE uses one model for all AI agents — each agent differs by prompt, rules, and knowledge base.
+
+### AI Agents
+System of specialized AI assistants on the DLE platform. One local model (Ollama) — many agents: each tailored to a specific business process (customer service, analytics, HR, etc.). Data does not leave the server.
+
+---
+
+## Regulatory Terms
+
+### Regulator
+Government body regulating financial markets. VC HB3 Accelerator works with regulators to integrate identifiers into the platform and create sandboxes.
+
+### Special Economic Zones
+Areas with special legal regime (IT hubs). The fund registers presence in these zones for grants and identifier integration.
+
+### Regulatory Sandbox
+Controlled environment for testing innovative solutions under regulator supervision. As of January 2025 — 199 sandboxes in 92 countries (SSRN, World Bank).
+
+### Identifiers
+Codes set by the regulator to identify legal entities: tax (TIN, EIN, etc.), accounting (industry codes), banking (BIC, SWIFT, IBAN), registration (OGRN, Company Number, ABN). Linked to smart contracts on the DLE platform.
+
+### Compliance
+Adherence to legal and regulatory requirements. The DLE platform ensures compliance through linking identifiers to blockchain operations and on-premises deployment.
+
+### Due Diligence
+Thorough review of a company or project before investing. Recommended before any investment decision.
+
+---
+
+**Last updated:** 2026-02-19