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# Contacts
**Navigation:** [← Table of contents](README.md) · [FAQ](FAQ.md) · [Glossary](GLOSSARY.md) · [Disclaimers](DISCLAIMERS.md)
---
## VC HB3 Accelerator
| | |
|---|---|
| Web app | https://hb3-accelerator.com |
| Email | info@hb3-accelerator.com |
| GitHub | https://github.com/VC-HB3-Accelerator |
| DLE repository | https://github.com/VC-HB3-Accelerator/DLE |
**Founder:** Alexander Viktorovich Tarabanov — architect of the VC HB3 Accelerator ecosystem.
---
## Official Seller for the Russian Federation
**LLC "ERAYTI"** — official seller of Digital Legal Entity licenses in the Russian Federation under written authorization from the rights holder.
| | |
|---|---|
| Full name | Limited Liability Company "ERAYTI" |
| OGRN | 1222600014383 |
| INN | 2636220809 |
| Address | 355007, Stavropol Krai, Stavropol, Burmistrova St., 65B, premises 2 |
| Email | 18900@эрайти.рф |
| Phone | +7 (968) 269-92-64 |
| Web app | эрайти.рф |
---
**Last updated:** 2026-02-19

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# Disclaimers and Warnings
**Navigation:** [← Table of contents](README.md) · [FAQ](FAQ.md) · [Glossary](GLOSSARY.md) · [Contacts](CONTACTS.md)
---
## 1. General
The documents in this repository are provided for informational purposes only. They do not constitute:
- investment advice, financial advice, or a recommendation to buy, sell, or hold tokens, securities, or other financial instruments;
- an offer to sell or an invitation to buy securities, tokens, or other financial instruments in any jurisdiction where such an offer would be unlawful.
The documents are provided “as is” without any warranties — express or implied. VC HB3 Accelerator does not guarantee the accuracy, completeness, or timeliness of the information contained in them.
---
## 2. Financial Forecasts
All financial forecasts, return estimates, and quantitative figures in the documents are based on assumptions and modeling. They reflect possible scenarios, not guaranteed outcomes.
Consider that:
- actual results may differ substantially from forecasts — in either direction;
- the documents include conservative and optimistic scenarios; when making decisions, the conservative scenario is recommended;
- past results are not indicative of future returns;
- investing involves risks, including the possibility of total loss of invested funds.
---
## 3. Risks
### Regulatory Risks
- VC HB3 Accelerator governance tokens may be classified as securities in some jurisdictions (Howey test, MiCA, and other criteria).
- Legal status of tokens varies by country; in some jurisdictions they may be prohibited or require licensing.
- Regulatory requirements may change.
### Fund Status
- VC HB3 Accelerator is in the process of registration in special economic zones.
- Registration is not complete at the time of publication. It may be delayed, changed, or rejected.
- Investment is only possible after registration is complete and all regulatory requirements are met.
### Technological Risks
The Digital Legal Entity (DLE) platform and related technology are subject to risks including smart contract vulnerabilities, scaling issues, dependence on external components, and cyber attacks.
Risk mitigation: security audits, open source, on-premises deployment. Complete elimination of risks is not possible.
### Business Risks
VC HB3 Accelerator does not guarantee achievement of planned metrics, successful registration in target jurisdictions, attraction of the planned number of participants, successful exits from portfolio companies, or any specific returns.
---
## 4. Jurisdictional Limitations
Participation in the project and acquisition of tokens may be restricted or prohibited in some jurisdictions. Before participating, ensure that it is legal in your jurisdiction and consult lawyers if needed.
---
## 5. Document Changes
VC HB3 Accelerator reserves the right to change information in the documents, update forecasts and plans, and adjust the business model and strategy without prior notice. Information is current as of the last update date.
---
## 6. Limitation of Liability
VC HB3 Accelerator, its founders, employees, partners, and affiliates are not liable for losses arising from use of information in the documents, decisions made on that basis, changes in law, technological failures, or actions of third parties.
To the maximum extent permitted by applicable law, the aggregate liability of VC HB3 Accelerator is limited to the amount actually paid for governance tokens (if applicable).
These disclaimers do not limit rights under applicable law.
---
## 7. Recommendation
Before making investment or other decisions, it is recommended to conduct your own analysis (Due Diligence), consult financial and legal advisors in your jurisdiction, and invest only funds you can afford to lose.
---
**Contacts:** [CONTACTS.md](CONTACTS.md)
**Last updated:** 2026-02-19

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# Frequently Asked Questions (FAQ)
**Navigation:** [← Table of contents](README.md) · [Glossary](GLOSSARY.md) · [Disclaimers](DISCLAIMERS.md) · [Contacts](CONTACTS.md)
---
## General
### What is VC HB3 Accelerator?
A venture fund and software provider. It develops the DLE platform, helps businesses configure and test it in a sandbox, and invests in companies created by accelerator participants. More: [accelerator-program.md](accelerator-program.md)
### What is the DLE platform?
Digital Legal Entity (DLE) is a microservices platform with a web application for on-premises deployment on company servers. It includes tools for configuring AI agents and a smart contract system with support for tax, accounting, banking, and other identifiers set by the regulator. It allows moving away from fragmented SaaS services and meets regulator requirements for data storage.
### Where is the fund registered?
The fund is in the process of registration in special economic zones (IT hub sandboxes). Registration is not complete at the time of publication. More: [DISCLAIMERS.md](DISCLAIMERS.md)
---
## Tokens and Investing
### How do I buy governance tokens?
Tokens can be purchased from VC HB3 Accelerator. Minimum investment: 10,000 USDT (10 tokens), maximum: 100,000 USDT (100 tokens) per line of business. More: [for-investors.md](for-investors.md)
### What rights do tokens give?
- Dividends (15% of all treasury inflows)
- Participation in on-chain voting (1 token = 1 vote, 51% quorum)
- Creating proposals for voting
- Access to accelerator projects and co-investment opportunities
More: [governance.md](governance.md)
### Can I sell tokens?
After the lock-up period (60 months) — yes. Options: sell back to the treasury at minimum price or on the secondary market at market price. More: [financial-calculations.md](financial-calculations.md)
### Are tokens securities?
Governance tokens of a venture fund may be classified as securities in some jurisdictions. Consult lawyers in your jurisdiction. More: [DISCLAIMERS.md](DISCLAIMERS.md)
---
## Financial Model
### How is profit distributed?
15% — dividends to token holders, 15% — operating expenses (contractors, support), 70% — investments in portfolio companies. More: [business-model.md](business-model.md)
### How is returns calculated?
Returns come from dividends, growth in minimum token price (as treasury grows), and portfolio company performance. Documents include conservative and optimistic scenarios. More: [financial-calculations.md](financial-calculations.md)
### What are the risks?
Regulatory (law changes), technological (smart contract vulnerabilities), market (competition, demand), financial (insufficient inflows). Investing involves risks, including possible total loss. More: [DISCLAIMERS.md](DISCLAIMERS.md)
---
## Platform and License
### What’s included in the license?
DLE platform template with updates for 5 years. Plans: Standard (1,000 USDT) and Premium (10,000 USDT). More: [business-model.md](business-model.md)
### Is the platform secure?
On-premises deployment (data on company servers), TLS 1.3 / AES-256 encryption, local AI model without cloud requests, open source for independent audit. Complete elimination of all risks is not possible.
### Can the code be audited?
Yes. Source code is open: https://github.com/VC-HB3-Accelerator
---
## More
- [Accelerator program](accelerator-program.md) — structure, mechanics, audiences
- [Market analysis](market-analysis.md) — TAM/SAM/SOM, competitors, trends
- [Roadmap](roadmap.md) — 5-year plan
- [Contacts](CONTACTS.md) — how to reach the team
---
**Last updated:** 2026-02-19

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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

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# Accelerator Program
We open a presence in an IT hub, deploy a sandbox, and help participants configure and test the DLE platform.
| Parameter | Value |
|-----------|-------|
| Format | Online calls, video recordings, in-app chats |
| Program and support duration | 5 years |
| Cohort start | When participants are onboarded |
| Structure | 4 cohorts × 70 groups by line of business, 25–50 participants per group |
---
## Who It's For
| You are | What you get in the accelerator | More |
|---------|----------------------------------|-----|
| **Regulator** | Sandbox infrastructure: blockchain registry, scanner, smart contracts with local identifiers | [for-regulators.md](for-regulators.md) |
| **Entrepreneur** | DLE platform configured for your business, training, access to investment | [for-entrepreneurs.md](for-entrepreneurs.md) |
| **Investor** | Pipeline of vetted companies from the accelerator, transparent reporting via blockchain | [for-investors.md](for-investors.md) |
| **Contractor** | Tasks to configure the platform for participants, payment from project treasury | [for-contractors.md](for-contractors.md) |
---
## How It Works
1. **Regulator** provides a grant → fund opens presence and integrates local identifiers into the platform
2. **Entrepreneurs** buy a license → deploy DLE → register in a group on the platform by line of business
3. **Contractors** pick tasks on the platform and get paid for completing them
4. **Investors** review metrics and select companies for investment
### Governance via Voting
All key decisions are made by token holders through on-chain voting on the platform:
- Development and update priorities
- Treasury fund allocation
- Company selection for investment
- Program term changes
1 token = 1 vote. Quorum — 51%. More: [governance.md](governance.md)
---
## How to Join
1. Review the terms for your audience (table above)
2. Register on the platform: https://hb3-accelerator.com
3. Purchase a license or contact us to discuss terms
Pricing and terms: [service-terms.md](service-terms.md)
Contacts: info@hb3-accelerator.com
---
## More
- [Business model](business-model.md) — revenue sources, profit distribution, licensing model
- [Glossary](GLOSSARY.md) — terms and definitions
- [FAQ](FAQ.md)
---
**Last updated:** 2026-02-19

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# Digital Legal Entity (DLE) — Platform Description
## Definition
**Digital Legal Entity (DLE)** is a microservices platform with a web application for on-premises deployment on company servers. It includes tools for configuring AI agents and a smart contract system with support for tax, accounting, banking, and other identifiers established by the regulator.
It enables management and automation of business processes, allows moving away from fragmented SaaS services with monthly subscriptions, and complies with regulator requirements for data storage and processing.
---
## Table of Contents
1. [Who It's For](#who-its-for)
2. [Why DLE Instead of SaaS](#why-dle-instead-of-saas)
3. [Core Capabilities](#core-capabilities)
4. [Economic Impact](#economic-impact)
5. [Technical Details](#technical-details)
6. [Purchase Terms](#purchase-terms)
7. [Documentation](#documentation)
---
## Who It's For
DLE is designed for organizations that need their own IT infrastructure with transparent governance:
- Commercial organizations (LLCs, JSCs, sole proprietors, holdings)
- Non-profit organizations (NPOs, foundations, associations)
- Government bodies (municipalities, agencies)
- Investment funds and venture firms
- Startups and small business
- Cooperatives and associations
---
## Why DLE Instead of SaaS
| Parameter | DLE | Typical SaaS |
|-----------|-----|--------------|
| Cost | $1,000 one-time | $200–500/month |
| Data ownership | On your server | With provider |
| Customization | Full (source code) | Limited |
| AI | Local, no limits, $0 | Cloud, paid API |
| Blockchain | Built-in | None |
| Updates | Free for 5 years | Depends on plan |
| Regulatory compliance | Full (data on-premises) | Depends on provider |
---
## Core Capabilities
### 1. AI Agents
One local Ollama model — many specialized agents. Each agent is tailored to a specific business process: its own prompt, rules, and knowledge base (RAG tables).
You create agents for your company’s tasks: customer support, analytics, accounting, HR, marketing, procurement, and any other processes. Data never leaves your server.
More: [DLE AI Agents](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/ai-assistant.md)
### 2. CRM and Contact Management
- Centralized contact database with interaction history
- Grouping by tags and categories
- Task and reminder system
- Import/export (CSV, Excel)
- Document and template builder
### 3. Omnichannel Communications
Single interface for all channels: Telegram bot, Email, Web chat, SMS, web forms. One context per client across channels. AI auto-replies trained on your data.
### 4. Blockchain Management and Tokenization
- Smart contracts with support for regulator identifiers
- Asset tokenization (real estate, IP, equity)
- Governance via token-holder voting
- Multi-chain support (Ethereum, Polygon, BSC, Arbitrum, Optimism, Avalanche, Base)
More: [Blockchain for Business](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/blockchain-for-business.md)
### 5. Groups and Workspaces for Teams
- Customizable workspaces for projects
- Granular permission system (20+ types)
- Roles: Editor, ReadOnly, User
- Integration with CRM and communications
### 6. Internal Tools
- Spreadsheets (Excel-like)
- Analytics and reporting
- Metrics monitoring
- WebSSH for server management
### 7. Security
- TLS 1.3, AES-256 encryption
- SIWE (wallet sign-in), sessions in DB
- Granular permissions (20+ types), token gating
- GDPR, CCPA, 152-FZ compliance
- All data on your server
More: [DLE Security](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/security.md)
---
## Economic Impact
### 5-Year Comparison with SaaS
| Expense | SaaS stack | DLE |
|---------|------------|-----|
| CRM | $12,000 | — |
| Chatbot | $9,000 | — |
| Email campaigns | $6,000 | — |
| AI (API) | $12,000 | — |
| **Total** | **$39,000** | **$1,000** |
Savings: $38,000 over 5 years. Pay once — use indefinitely.
### Local AI vs Cloud APIs
| | DLE (local) | Cloud APIs |
|--|-------------|------------|
| Cost | $0 | ~$0.02–0.03/request |
| Confidentiality | Data on your server | Data with provider |
| Limits | None | Yes |
| Offline | Yes | No |
| Business customization | Full (agents, RAG) | Limited |
---
## Technical Details
### Technology Stack
| Component | Technology |
|-----------|------------|
| Frontend | Vue.js 3, Vite, Element Plus |
| Backend | Node.js, Express |
| Database | PostgreSQL, pgvector |
| AI | Ollama (qwen2.5:7b), FAISS Vector Search |
| Blockchain | Ethers.js v6, Hardhat |
| Containerization | Docker Compose |
### Minimum Requirements
| Parameter | Value |
|-----------|-------|
| CPU | 4 cores |
| RAM | 12 GB (app + AI + Vector Search) |
| Storage | 100 GB SSD |
| OS | Ubuntu 20.04+, Debian 11+, CentOS 8+ (any Linux with Docker) |
### Deployment
One-command setup via Docker Compose. More: [Setup instruction](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/back-docs/setup-instruction.md)
---
## Purchase Terms
| Package | Price | Tokens | Votes |
|---------|-------|--------|-------|
| Standard | $1,000 USDT (one-time) | 1 | 1 |
| Premium | $10,000 USDT (one-time) | 10 | 10 |
Perpetual license, full source code, free updates for 5 years, technical support, governance tokens on blockchain, document package for regulators.
More: [Purchase and Service Terms](service-terms.md)
---
## Documentation
**Product:**
- [AI Agents](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/ai-assistant.md) — architecture, agent examples, setup
- [Blockchain for Business](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/blockchain-for-business.md) — asset tokenization, use cases
- [Security](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/security.md) — multi-layer protection, regulatory compliance
- [Service Terms](service-terms.md) — licensing, support, warranties
- [FAQ](FAQ.md) — frequently asked questions
**Technical:**
- [Setup](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/back-docs/setup-instruction.md) — step-by-step setup
- [AI Setup](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/back-docs/setup-ai-assistant.md) — running AI agents
- [Blockchain Integration](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/back-docs/blockchain-integration-technical.md) — smart contracts, API
**General:**
- [Main page](README.md)
- [Legal documentation](https://github.com/VC-HB3-Accelerator/DLE/blob/main/legal/README.md)
---
**Contacts:** info@hb3-accelerator.com · https://hb3-accelerator.com · [GitHub](https://github.com/VC-HB3-Accelerator)
**© 2024–2025 Alexander Viktorovich Tarabanov. All rights reserved.**
**Last updated:** 2026-02-19

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# VC HB3 Accelerator Business Model
**Navigation:** [← Table of contents](README.md) · [For investors](for-investors.md) · [Financial calculations](financial-calculations.md) · [Roadmap](roadmap.md)
---
## Table of Contents
- [Overview](#overview)
- [Revenue Sources](#revenue-sources)
- [Profit Distribution](#profit-distribution)
- [Fund Treasury](#fund-treasury)
- [Licensing Model](#licensing-model)
- [Accelerator Program](#accelerator-program)
- [Ecosystem Architecture](#ecosystem-architecture)
- [5-Year Plan](#5-year-plan)
- [Risks and Mitigation](#risks-and-mitigation)
---
## Overview
VC HB3 Accelerator is a venture fund and software provider. The business model is based on selling DLE platform licenses, investing in portfolio companies, and distributing profit among ecosystem participants.
### Value Proposition
| Audience | What they get |
|----------|----------------|
| **Entrepreneurs** | Ready platform on their server, accelerator program, access to investment |
| **Contractors** | Tasks from accelerator participants, payment from treasury, on-chain governance |
| **Investors (LP)** | Dividends (15% of inflows), liquidity via treasury, token appreciation |
---
## Revenue Sources
### 1. DLE Platform License Sales
| Plan | Contents | Price |
|------|----------|-------|
| Standard | 1 admin token, access to settings and updates for 5 years | 1,000 USDT |
| Premium | 10 admin tokens, access to settings and updates for 5 years | 10,000 USDT |
Clients buy admin tokens (licenses) → tokens are transferred to DLE smart contract → holders get platform access.
First accelerator target: 21,000+ entrepreneurs. Scaling scenarios — see [market-analysis.md](market-analysis.md).
### 2. Sales of Portfolio Company Governance Tokens
Portfolio companies deploy governance tokens using the DLE platform. In exchange for investment, startups transfer governance tokens to the fund. Tokens can be sold on the secondary market.
- Target: select 600 companies from accelerator participants over 5 years
- Stages: Pre-seed to ICO
- Average investment: ~1,148,000 USDT per company (70% treasury / 600)
- Goal: build and sell portfolio in 5 years to launch next accelerator
### 3. Capital from Investors
LP can acquire up to 30% of fund governance tokens at 1,000 USDT per token.
- Maximum: 30% of 3,000,000 tokens = 900,000 tokens
- Potential capital: up to 900,000,000 USDT
---
## Profit Distribution
### Formula: 15% / 15% / 70%
| Share | Purpose | Details |
|-------|---------|---------|
| 15% | Dividends to token holders | Proportional to ownership, from all treasury inflows |
| 15% | Expenses | Contractors, acceleration, operating costs, entity registration, hosting |
| 70% | Investments in portfolio companies | Selection of 600 companies, Pre-seed to ICO, stablecoin funding |
---
## Fund Treasury
### Initial Balance Formation
| Source | Amount |
|--------|--------|
| License sales to first accelerator entrepreneurs (21,000) | 84,000,000 USDT |
| Governance token sales to LP (30%) | 900,000,000 USDT |
| **Total** | **984,000,000 USDT** |
Sequence: first entrepreneurs buy licenses, then LP investors buy governance tokens.
### Treasury Inflows
1. **From license sales** — Standard (1,000 USDT) and Premium (10,000 USDT)
2. **From portfolio company exits** — sale of governance tokens on exit (exit rate 10–20%, return 10–15x)
3. **From LP investors** — sale of up to 30% of fund governance tokens
### Liquidity Provision
Full treasury balance backs 3,000,000 governance tokens. Treasury guarantees ability to redeem tokens for stablecoins via smart contract.
Detailed calculations: [financial-calculations.md](financial-calculations.md)
---
## Licensing Model
### On-Premises Deployment
1. Client acquires license (admin tokens)
2. Receives source code and Docker containers
3. Deploys platform on own infrastructure
4. Receives updates for 5 years
Benefits: full data control, customization, compliance with data localization requirements.
---
## Accelerator Program
### Iterative Growth Model
Expansion cycle per country:
1. Register legal entity (with local company contributors)
2. Deploy DLE platform on local hosting
3. Find 2+ buyers per line of business
4. Form groups and deploy smart contracts
5. Reinvest profit into registration in next country
6. Work with regulator (sandboxes in IT hubs)
Goal: presence in 150+ countries.
### Program Structure
4 cohorts × 70 groups = 280 groups
| Parameter | Value |
|-----------|-------|
| Lines of business per cohort | 70 |
| Entrepreneurs per group | 25–50 (Premium / Standard) |
| Cohorts | 4 |
| Total entrepreneurs | from 21,000 |
| Program duration | 5 years |
### Support System
Token holders govern platform development via on-chain voting:
- **Clients** publish development and support tasks; payment from treasury (15% expenses)
- **Contractors** perform tasks and get paid
- **AI agents** automate support and analytics
More: [accelerator-program.md](accelerator-program.md)
---
## Ecosystem Architecture
### 1. Regional Operator Companies
Companies like LLC "ERAYTI" in each regulator zone: deploy platform on local hosting, sell licenses, local presence and regulatory compliance.
### 2. Smart Contract Deployment
Regional companies deploy smart contracts with governance tokens → 100% of tokens transferred to VC HB3 Accelerator → tokens sold to entrepreneurs as licenses.
### 3. Centralized Governance
VC HB3 Accelerator deploys 3,000,000 governance tokens. Governance via on-chain voting. Delivery of token-licenses to clients, payment to treasury.
---
## 5-Year Plan
### Goals
1. Launch accelerator program in 150+ countries, attract 21,000+ entrepreneurs
2. Invest in 600 companies (Pre-seed to ICO), build portfolio of governance tokens
3. Build and sell portfolio to launch next accelerator
### Result
- 600 portfolio companies with tokenized governance
- Portfolio of governance tokens from all portfolio companies
- Self-sustaining ecosystem
More: [roadmap.md](roadmap.md)
### Financial Forecasts
Detailed returns, scenarios (conservative / optimistic), and stress tests — see [financial-calculations.md](financial-calculations.md) and [for-investors.md](for-investors.md).
---
## Risks and Mitigation
| Risk | Mitigation |
|------|------------|
| **Regulatory** — change in regulator requirements | Cooperation with regulators, flexible architecture |
| **Technological** — smart contract vulnerabilities | Regular audits, open source |
| **Market** — low demand for tokenization | Education program, unique offering |
| **Operational** — shortage of contractors | Token holder system, AI automation |
Full risk analysis: [for-investors.md](for-investors.md) · [DISCLAIMERS.md](DISCLAIMERS.md)
---
## Contacts
[CONTACTS.md](CONTACTS.md)
---
**Last updated:** 2026-02-19

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# Financial Calculations and Return Examples
**Navigation:** [← Table of contents](README.md) · [For investors](for-investors.md) · [Business model](business-model.md) · [Market analysis](market-analysis.md) · [Roadmap](roadmap.md)
> **Important:** All forecasts are a vision of the future, not a guarantee. Probability of achieving optimistic forecasts may be very low (under 10%). Focus on conservative scenarios. More: [DISCLAIMERS.md](DISCLAIMERS.md)
---
## Table of Contents
1. [Initial Conditions](#initial-conditions)
2. [Token Pricing Mechanism](#token-pricing-mechanism)
3. [Liquidity Mechanism](#liquidity-mechanism)
4. [Return Scenarios](#return-scenarios)
5. [Summary](#summary)
---
## Initial Conditions
| Parameter | Value |
|-----------|-------|
| Total governance tokens | 3,000,000 |
| Available to LP | 30% = 900,000 tokens |
| Primary sale price for LP | 1,000 USDT per token |
| Minimum investment | 10,000 USDT (10 tokens) |
| Maximum investment | 100,000 USDT (100 tokens) |
| Profit distribution | 15% dividends / 15% expenses / 70% investments |
### Initial Treasury Balance Formation
Sequence:
1. First accelerator entrepreneurs (21,000) buy licenses → 84,000,000 USDT
2. LP investors buy governance tokens (30%) → 900,000,000 USDT
**Initial treasury balance: 984,000,000 USDT**
Initial minimum token price (treasury-backed): 984,000,000 / 3,000,000 = **328 USDT**
Primary sale premium: 1,000 / 328 = 3.05x (premium for future growth)
---
## Token Pricing Mechanism
### Minimum Price (Treasury-Backed)
**Formula:** treasury balance / 3,000,000
Guarantees liquidity — treasury redeems tokens at this price. Grows as treasury receives inflows (70% of all revenue).
### Market Price
Can be significantly above minimum — reflects expected future inflows from licenses and exits. Multiplier 6–9x of minimum price (depends on investor expectations).
Holders may sell tokens on the secondary market at market price.
---
## Liquidity Mechanism
### Treasury Redemption
- Investor sells tokens back to treasury at minimum price via smart contract
- Treasury balance backs redemption of all 3,000,000 tokens
- Redemption in stablecoins (USDT)
### Lock-up Period: 60 Months (5 Years)
- During lock-up, tokens cannot be sold back to treasury
- Applies only to treasury redemption
- Purpose: fund stability, protection from speculation
### After Lock-up
- Sale to treasury at minimum price
- Sale on secondary market at market price
- Transfer to third parties without restriction
- All rights (dividends, voting) transfer to new owner
---
## Return Scenarios
### Income Sources for Investor
1. **Dividends** — 15% of all treasury inflows, proportional to share
2. **Minimum price growth** — as treasury balance grows
3. **Market price growth** — multiplier above minimum
### Two Scenarios
### Common Portfolio Parameters
| Parameter | Value |
|-----------|-------|
| Portfolio companies | 600 |
| Initial capital for investments (70% of treasury) | 688,800,000 USDT |
| Average investment per company | 1,148,000 USDT |
| Stages | Pre-seed to ICO |
#### Conservative Scenario (5 Years)
| Parameter | Value |
|-----------|-------|
| Entrepreneur coverage by year 5 | 10% of global market (~33.3M) |
| License revenue over 5 years | ~93,324,000,000 USDT |
| Exit rate | 10% (60 companies) |
| Average return from exit | 10x |
| Inflows from exits | ~688,800,000 USDT |
**Treasury balance by year 5:**
| Component | Amount (USDT) |
|-----------|---------------|
| Initial balance | 984,000,000 |
| From licenses (70%) | 65,242,800,000 |
| From exits (70%) | 482,160,000 |
| **Total** | **66,709,160,000** |
**Minimum token price:** 66,709,160,000 / 3,000,000 = **22,236 USDT**
**Estimated market token price:** ~200,000 USDT
#### Optimistic Scenario (5 Years)
| Parameter | Value |
|-----------|-------|
| Entrepreneur coverage by year 5 | 40% of global market (~133.2M) |
| License revenue over 5 years | ~373,044,000,000 USDT |
| Exit rate | 20% (120 companies) |
| Average return from exit | 15x |
| Inflows from exits | ~2,066,400,000 USDT |
**Treasury balance by year 5:**
| Component | Amount (USDT) |
|-----------|---------------|
| Initial balance | 984,000,000 |
| From licenses (70%) | 261,046,800,000 |
| From exits (70%) | 1,446,480,000 |
| **Total** | **263,477,280,000** |
**Minimum token price:** 263,477,280,000 / 3,000,000 = **87,826 USDT**
**Estimated market token price:** ~1,500,000 USDT
### 5-Year Return Summary
| | Conservative (min. price) | Conservative (market price) | Optimistic (min. price) | Optimistic (market price) |
|---|---------------------------|-----------------------------|--------------------------|----------------------------|
| **Investment 10,000 USDT (10 tokens, share 0.000333%)** |
| Token value | 222,360 | 2,000,000 | 878,260 | 15,000,000 |
| Dividends | 46,960 | 46,960 | 187,368 | 187,368 |
| **Total** | **269,320** | **2,046,960** | **1,065,628** | **15,187,368** |
| Profit | 2,593% | 20,370% | 10,556% | 151,774% |
| **Investment 100,000 USDT (100 tokens, share 0.00333%)** |
| Token value | 2,223,600 | 20,000,000 | 8,782,600 | 150,000,000 |
| Dividends | 469,597 | 469,597 | 1,873,678 | 1,873,678 |
| **Total** | **2,693,197** | **20,469,597** | **10,656,278** | **151,873,678** |
| Profit | 2,593% | 20,370% | 10,556% | 151,774% |
### Stress Test
| Scenario | Impact on returns |
|----------|-------------------|
| Sales 2x below forecast | Minimum price ~11,000 USDT, returns ~1,000% over 5 years |
| Exit rate 5% instead of 10–20% | Slight decrease — main revenue from licenses |
| Token ban in some jurisdictions | Refund terms, focus on friendly jurisdictions |
---
## Summary
| Scenario | Likelihood | Returns (min. price) | Returns (market price) |
|----------|------------|----------------------|-------------------------|
| Conservative (10%) | Medium (30–50%) | ~2,593% over 5 years | ~20,370% over 5 years |
| Optimistic (40%) | Low (10–20%) | ~10,556% over 5 years | ~151,774% over 5 years |
**Key takeaways:**
- Main return driver is license sales, not exits
- Minimum token price is backed by treasury balance
- Even in conservative scenario, returns far exceed target IRR 20–30%
- Actual results may differ significantly from all forecasts — possibly tens or hundreds of times lower
- **All forecasts are a vision of the future, not a guarantee**
---
## Additional Materials
- [For investors](for-investors.md) — investment offering, rights, risks
- [Business model](business-model.md) — revenue sources, cost structure
- [Market analysis](market-analysis.md) — target market, competitors, scenario rationale
- [Disclaimers](DISCLAIMERS.md) — full text of warnings
---
**Contacts:** info@hb3-accelerator.com · https://hb3-accelerator.com
> Investing in cryptocurrencies and tokens involves high risks, including total loss of funds. More: [DISCLAIMERS.md](DISCLAIMERS.md)
**Last updated:** 2026-02-19

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# Opportunities for Contractors
**Navigation:** [← Table of contents](README.md) · [Business model](business-model.md) · [Governance and voting](governance.md) · [Accelerator program](accelerator-program.md)
---
## Who Are Contractors
Contractors are holders of VC HB3 Accelerator governance tokens who perform tasks from clients (entrepreneurs participating in the accelerator). Payment comes from the project treasury (15% of all inflows is allocated to expenses: contractors, acceleration, operating costs).
---
## Task Types
| Category | Example tasks |
|----------|----------------|
| **Platform setup** | Customizing DLE for client’s line of business, configuring AI agents, integrating with business processes |
| **Development** | New modules, features, integrations with external systems |
| **Enhancements** | Performance improvements, bug fixes, feature extensions |
| **Technical support** | Consultations, deployment help, troubleshooting |
| **Training** | Online sessions for clients, workshops, training materials |
| **Documentation** | Guides, API docs, migration instructions |
---
## Payment and Funding
### Source
15% of all treasury inflows goes to expenses. Contractor tasks are paid from this budget.
### Treasury inflows come from:
- DLE platform license sales (Standard: 1,000 USDT, Premium: 10,000 USDT)
- Sales of portfolio company governance tokens (exits)
- Capital raised from LP investors
### Additional Income
As a governance token holder, a contractor also receives:
- **Dividends** — 15% of all treasury inflows, proportional to ownership
- **Token appreciation** — as treasury balance grows
- **Voting rights** — participation in on-chain voting on development priorities
More: [business-model.md](business-model.md)
---
## Technology Stack
| Area | Technologies |
|------|--------------|
| Frontend | Vue.js 3, Vite, Element Plus |
| Backend | Node.js, Express, PostgreSQL |
| AI | Ollama (local models), FAISS (vector search), RAG |
| Blockchain | Solidity, Ethers.js v6, Hardhat, ERC20/ERC20Votes |
| Infrastructure | Docker Compose, on-premises |
Platform source: [github.com/VC-HB3-Accelerator/DLE](https://github.com/VC-HB3-Accelerator/DLE)
---
## How to Start
1. **Review the platform** — repo, docs, architecture: [github.com/VC-HB3-Accelerator/DLE](https://github.com/VC-HB3-Accelerator/DLE)
2. **Acquire governance tokens** — this gives holder status and access to task system and voting
3. **Register on the platform** — https://hb3-accelerator.com, create contractor profile, list skills
4. **Pick tasks** — browse available tasks, apply, deliver, get paid from treasury
---
## Additional Materials
- [Business model](business-model.md) — 15/15/70 profit split, funding sources
- [Governance and voting](governance.md) — how on-chain voting works
- [Accelerator program](accelerator-program.md) — cohort structure, participation mechanics
- [Roadmap](roadmap.md) — 5-year development plan
---
**Contacts:** info@hb3-accelerator.com · https://hb3-accelerator.com
**Last updated:** 2026-02-19

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# For Entrepreneurs
**Navigation:** [← Table of contents](README.md) · [Accelerator program](accelerator-program.md) · [Licensing terms](service-terms.md)
---
## Business Pain Points
- Rising costs of SaaS services with paid subscriptions
- Data moved manually between systems
- Sensitive data leaks, theft, breaches
- No IT infrastructure tailored to your business
- No in-house IT staff or budget to hire
- Messy accounting and analytics
- Dependency on service plans and limits
- Meeting regulator requirements for data storage and processing
- Difficulty attracting investment to scale
---
## What Fits Your Company
| Option | What you get | Drawbacks |
|--------|--------------|-----------|
| Do nothing | Business continues as is | Tech lag, rising costs |
| Build in-house | Competing with corporates for IT talent | Expensive, slow, risky |
| **DLE platform** | Deploy platform on your server, accelerator experts help configure | If you hit target metrics — investment offer from the fund |
---
## What You Get
### DLE Platform
Your own IT infrastructure on your server: CRM, AI agents, omnichannel communications, spreadsheets, blockchain governance. All data stays with you.
Platform description: [application-description.md](application-description.md)
### Accelerator Program
- Registration in a group by your line of business
- Contractors help configure the platform for your business
- Online sessions, workshops, peer exchange within the group
- Technical support and updates for 5 years
More: [accelerator-program.md](accelerator-program.md)
### Access to Investment
The fund selects top accelerator participants for investment:
- Stages: Pre-seed to ICO
- Check size: 50,000 to 4,000,000 USDT (by stage)
- In exchange for governance tokens of your company
---
## How to Start
1. Register on the platform: https://hb3-accelerator.com
2. Purchase a license and deploy DLE on your server
3. Wait for cohort formation and start working with contractors
Pricing and terms: [service-terms.md](service-terms.md)
---
## Contacts
- **Web app:** https://hb3-accelerator.com
- **Email:** info@hb3-accelerator.com
- More: [CONTACTS.md](CONTACTS.md)
---
**Last updated:** 2026-02-19

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# Investment Opportunities
**Navigation:** [← Table of contents](README.md) · [Business model](business-model.md) · [Financial calculations](financial-calculations.md) · [Governance and voting](governance.md) · [Roadmap](roadmap.md)
> **Important:** Investing involves high risks, including the possibility of total loss of invested funds. Before deciding, read [DISCLAIMERS.md](DISCLAIMERS.md).
---
## Table of Contents
1. [Overview](#overview)
2. [Investment Offering](#investment-offering)
3. [Revenue Sources](#revenue-sources)
4. [Financial Model](#financial-model)
5. [Governance Structure](#governance-structure)
6. [Team](#team)
7. [5-Year Plan](#5-year-plan)
8. [Risks and Mitigation](#risks-and-mitigation)
9. [Due Diligence](#due-diligence)
10. [Investment Process](#investment-process)
---
## Overview
VC HB3 Accelerator is a venture fund and software provider. The fund offers investors (Limited Partners, LP) the opportunity to acquire up to 30% of governance tokens and receive dividends from all treasury inflows.
**Links:**
- Web app: https://hb3-accelerator.com
- GitHub: https://github.com/VC-HB3-Accelerator
- DLE platform: https://github.com/VC-HB3-Accelerator/DLE
---
## Investment Offering
### VC HB3 Accelerator Governance Tokens
| Parameter | Value |
|-----------|-------|
| Total tokens | 3,000,000 |
| Available to LP | up to 30% (900,000 tokens) |
| Price per token | 1,000 USDT |
| Minimum investment | 10,000 USDT (10 tokens) |
| Maximum investment | 100,000 USDT (100 tokens) |
Investment is tied to a specific line of business within one accelerator (5 years).
### Token Holder Rights
- **Dividends:** 15% of all treasury inflows, proportional to ownership share
- **Voting:** participation in on-chain voting on development priorities (51% quorum, may be raised to 70%)
- **Proposals:** ability to initiate votes
- **Protection:** raising quorum to 70% prevents single-party control
- **Liquidity:** treasury balance enables token redemption for stablecoins
- **Co-investment:** access to accelerator projects, participation in portfolio company rounds
---
## Revenue Sources
### 1. Dividends from Treasury Inflows
15% of all inflows are distributed proportionally to token ownership.
Inflows come from:
- DLE platform license sales
- Sales of portfolio company governance tokens (exits)
- Capital raised from LP investors
### 2. Token Price Appreciation
Token price = treasury balance / tokens in circulation. As treasury balance grows, each token’s value increases.
### 3. Portfolio of Portfolio Company Governance Tokens
- Selection of 600 companies from accelerator participants over 5 years
- Investments from Pre-seed to ICO
- In exchange for investment — governance tokens of portfolio companies
- Goal: build and sell portfolio to launch the next accelerator
More on fund business model and revenue: [business-model.md](business-model.md)
---
## Financial Model
### Profit Distribution
| Share | Purpose |
|-------|---------|
| 15% | Dividends to token holders |
| 15% | Expenses: contractors, acceleration, operating costs |
| 70% | Investments in portfolio companies |
### Liquidity Provision
- Full treasury balance backs 3,000,000 governance tokens
- Treasury balance guarantees ability to redeem tokens for stablecoins
- Management via smart contracts
### Portfolio Company Investment Sizes
| Stage | Investment size |
|-------|-----------------|
| Pre-seed | 50,000 – 200,000 USDT |
| Seed | 200,000 – 1,000,000 USDT |
| Series A | 1,000,000 – 4,000,000 USDT |
| ICO | 500,000 – 2,000,000 USDT |
Expected exit rate: 10–20% of portfolio companies. Average return from successful exits: 10–15x. Time to exit: 3–7 years.
Detailed returns: [financial-calculations.md](financial-calculations.md)
---
## Governance Structure
| Participant | Share | Tokens |
|-------------|-------|--------|
| Founder | 70% | 2,100,000 |
| Investors (LP) | up to 30% | 900,000 |
LP investors receive governance tokens and effectively become GP with voting rights — not only dividend rights but real participation in governance.
On-chain voting, 51% quorum (may be raised to 70%), transparent system via smart contracts.
More: [governance.md](governance.md)
---
## Team
### Founder
**Alexander Viktorovich Tarabanov** — DLE platform developer, architect of the VC HB3 Accelerator ecosystem.
- Entrepreneur with 20 years of experience in the startup industry
- Blockchain expertise, experience with AI tools
- Owner of 70% of governance tokens
### Governance Model
- **Token holders (30%)** — voting, proposals, project access, co-investment
- **Contractors** — perform development and support tasks, paid from treasury (15% expenses)
- **Flexible expert network** — mentors, lawyers, regional operators, engaged as needed
---
## 5-Year Plan
- Attract 21,000+ entrepreneurs to the first accelerator
- Select and invest in 600 portfolio companies (Pre-seed to ICO)
- Build and sell portfolio to launch the next accelerator
More: [5-year roadmap](roadmap.md)
> All forecasts are a vision of the future, not a guarantee. More: [DISCLAIMERS.md](DISCLAIMERS.md)
---
## Risks and Mitigation
### Regulatory Compliance
The fund is in the process of registration in special economic zones. Official seller for RF: LLC "ERAYTI" (OGRN: 1222600014383). Legal status of tokens may differ by jurisdiction — legal advice is recommended before investing.
### Regulatory Risks
**Risk:** changes in regulator requirements, registration delays.
**Likelihood:** medium. **Impact:** high.
**Mitigation:** cooperation with regulators, flexible architecture, local presence via regional operators, refund terms for customers.
### Technological Risks
**Risk:** smart contract vulnerabilities, scaling issues.
**Likelihood:** low–medium. **Impact:** critical.
**Mitigation:** regular audits, open source, ongoing updates, possibility of independent client audit.
### Market Risks
**Risk:** low demand for tokenization, competition.
**Likelihood:** medium. **Impact:** high.
**Mitigation:** education program, ready platform with AI, accelerator, strategy adaptation via on-chain voting.
### Operational Risks
**Risk:** shortage of contractors, support issues.
**Likelihood:** medium. **Impact:** medium.
**Mitigation:** token holder system, AI automation, education programs, LP capital raising.
### Financial Risks
**Risk:** insufficient treasury inflows, liquidity issues.
**Likelihood:** medium. **Impact:** high.
**Mitigation:** diversified revenue sources, liquidity via treasury balance, iterative growth model.
### Key Person Risk
**Risk:** dependence on founder with 70% of governance tokens.
**Likelihood:** low. **Impact:** critical.
**Mitigation:** on-chain voting, investors can block decisions at 70% quorum, contractor system ensures continuity, AI automation reduces dependence, full process documentation.
### Stress Tests
| Scenario | Mitigation |
|----------|------------|
| Sales 2x below forecast | Focus on effective markets, cost optimization |
| Exit rate 5% instead of 10% | Portfolio diversification, better selection |
| Token ban in some jurisdictions | Refund terms, on-chain voting, focus on friendly jurisdictions |
---
## Due Diligence
1. **Review the platform:** GitHub repo, documentation, features — https://github.com/VC-HB3-Accelerator/DLE
2. **Verify details:** LLC "ERAYTI" (seller for RF), rights holder — A.V. Tarabanov
3. **Request a demo:** info@hb3-accelerator.com
4. **Technical audit:** smart contracts, codebase, architecture
5. **Read documentation:** [business-model.md](business-model.md), [governance.md](governance.md), [financial-calculations.md](financial-calculations.md)
---
## Investment Process
1. Review documentation and Due Diligence
2. Assess risks, decide investment size
3. Sign documents, transfer funds to treasury, receive tokens
4. Participate in ecosystem: dividends, voting, project access, co-investment
Exit terms: [financial-calculations.md](financial-calculations.md)
---
## Additional Materials
- [Business model](business-model.md) — revenue sources, profit distribution
- [Financial calculations](financial-calculations.md) — return examples, liquidity mechanism
- [Market analysis](market-analysis.md) — TAM/SAM/SOM, competitors, trends
- [Governance and voting](governance.md) — quorum, rights, procedures
- [Accelerator program](accelerator-program.md) — structure, mechanics, participants
- [Glossary](GLOSSARY.md) · [FAQ](FAQ.md) · [Disclaimers](DISCLAIMERS.md) · [Contacts](CONTACTS.md)
---
**Contacts:** info@hb3-accelerator.com · https://hb3-accelerator.com
> Investing in cryptocurrencies and tokens involves high risks. Conduct thorough Due Diligence and consult financial advisors. More: [DISCLAIMERS.md](DISCLAIMERS.md)
**Last updated:** 2026-02-19

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# Cooperation Proposal Within a Regulatory Sandbox
**From:** VC HB3 Accelerator
**To:** Authority responsible for digital asset regulation
**Subject:** Deployment of blockchain infrastructure with participant identification within the jurisdiction
---
## 1. Context
FATF recommendations (Travel Rule, 2023 update), EU MiCA Regulation (in force 30.12.2024), and practice of VARA (UAE) and SEC/CFTC (USA) establish a common requirement: digital asset operations must be linked to identified parties.
According to World Bank and SSRN data as of January 2025, 199 regulatory sandboxes exist in 92 countries. 70% of them focus on blockchain and fintech. However, in most jurisdictions the basic infrastructure needed to meet these requirements is missing:
- no blockchain registries linked to national legal entity identifiers;
- no monitoring tools (blockchain scanners) for supervisors;
- no venues for controlled testing of blockchain solutions with real business;
- no protocols for data exchange between registries of different jurisdictions.
---
## 2. Proposal
VC HB3 Accelerator proposes to deploy blockchain infrastructure with support for national identifiers within the jurisdiction under a regulatory sandbox.
The fund will:
- register a presence in an IT hub / special economic zone;
- integrate national identifiers (tax, accounting, banking, registration) into the software platform;
- deploy blockchain registry and scanner on servers located within the jurisdiction;
- attract participants (entrepreneurs, contractors, investors) through the accelerator program.
**From the regulator:** grant funding for opening the presence and provide lists of national identifiers for integration.
---
## 3. Software Platform
The solution is based on the Digital Legal Entity (DLE) platform: a microservices system with a web application for on-premises deployment.
Key components:
**Smart contracts with identifiers.** When registering, a company links regulator-defined identifiers to the smart contract: tax (TIN, EIN, etc.), accounting (industry codes), banking (BIC, SWIFT, IBAN), registration (company number, OGRN, ABN). All subsequent blockchain operations are tied to the identified entity.
**Blockchain registry (EVM-compatible).** Transaction and smart contract ledger for the jurisdiction. Deployed on local servers; data does not leave the territory.
**Blockchain scanner.** Tool for monitoring operations: search by transactions, addresses, company identifiers. Access for the supervisory body.
**AI agents.** Local language model (no cloud requests). Automation of analytics and reporting.
Platform source code is open — independent audit is possible.
---
## 4. Implementation Steps
| Stage | Content | Timeline |
|-------|---------|----------|
| 1. Preparation | Agree grant terms. Register fund presence. Obtain identifier lists. | 1–3 months |
| 2. Integration | Embed identifiers in platform. Deploy registry and scanner. Deploy first smart contract (fund presence). | 1–2 months |
| 3. Acceleration | Onboard participants. Companies register on platform, deploy smart contracts with identifiers. Supervisor gets scanner access. | from 3 months |
| 4. Operations | Maintain infrastructure. Expand participants and lines of business. Connect to registries of other jurisdictions. | ongoing |
Time to working infrastructure with first participants: **5–8 months**.
---
## 5. Outcomes for the Regulator
After implementation the supervisor obtains:
1. **Participant identification** — every entity working with digital assets in the jurisdiction is linked to national identifiers via smart contract.
2. **Monitoring tools** — blockchain scanner with access to the operations ledger in real time.
3. **A live sandbox** — a venue with real companies (accelerator participants), not an empty test environment.
4. **Cross-jurisdiction compatibility** — multi-chain architecture allows linking the registry to similar registries in other jurisdictions.
5. **Independence from external vendors** — infrastructure deployed on local servers, code open, data under regulator’s jurisdiction.
---
## 6. Data Security
| Requirement | Implementation |
|-------------|----------------|
| Data localization | On-premises deployment; data does not leave the jurisdiction |
| Encryption | TLS 1.3 (transport), AES-256 (storage) |
| AI component | Local model; no data transfer to third parties |
| Audit | Open source; possibility of review by supervisor |
| Compliance | GDPR, adaptation to local data protection requirements |
---
## 7. Contact
| | |
|---|---|
| Organization | VC HB3 Accelerator |
| Email | info@hb3-accelerator.com |
| Website | https://hb3-accelerator.com |
Additional materials on request:
[Accelerator program](accelerator-program.md) · [5-year roadmap](roadmap.md) · [Market analysis](market-analysis.md) · [Business model](business-model.md)
---
**Date:** 2026-02-19

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# Governance and Voting Mechanism
**Navigation:** [← Table of contents](README.md) · [For investors](for-investors.md) · [Business model](business-model.md) · [Financial calculations](financial-calculations.md)
---
## Governance Token Allocation
| Participant | Share | Tokens |
|-------------|-------|--------|
| Founder | 70% | 2,100,000 |
| Investors (LP) | up to 30% | 900,000 |
| **Total** | | **3,000,000** |
LP investors receive governance tokens and effectively become GP with voting rights — not only dividend rights but real participation in governance.
---
## Quorum and Voting Mechanism
### Quorum for Decisions
- **Initial quorum:** 51% of all governance tokens
- **Dynamic change:** quorum is set by token holders through voting
- **Protection from single-party control:** quorum can be raised to 70%, meaning the founder (70%) cannot decide without investor consent
### How It Works
1. Token holders can propose a quorum change via the voting system
2. Changing quorum requires a vote with the current quorum (51% or higher)
3. At 70% quorum the founder cannot decide alone
4. This protects investor (30%) interests
### Technical Implementation
- On-chain voting via smart contracts (ERC20Votes)
- One token = one vote
- Results recorded on blockchain and verifiable
---
## Voting Procedure
**Who can create proposals:** all governance token holders.
### Process
1. **Create proposal** — any token holder
2. **Discussion period** — proposal is discussed
3. **Voting** — holders vote for or against
4. **Count** — proportional to token count
5. **Decision** — if votes for ≥ quorum
---
## Balance of Founder and Investor Rights
### At 51% Quorum
Founder (70%) can decide alone, since 70% > 51%.
### At 70% Quorum
Founder cannot decide without investor consent. Investors (30%) effectively have veto power.
### Investor Rights
- Participation in voting with up to 30% weight
- Creating proposals for voting
- Blocking decisions at 70% quorum
- Access to reports and financial data
- Access to accelerator projects
- Co-investment in deals
### Minority Protection Mechanisms
1. Raise quorum to 70% via vote
2. Right to create proposals and initiate votes
3. Transparency — all decisions on blockchain
4. Access to financial reports and metrics
---
## Reporting
- Regular reports on treasury inflows
- Profit distribution (15% / 15% / 70%)
- Portfolio company reports
- All transactions transparent via blockchain
---
## Additional Materials
- [For investors](for-investors.md) — investment offering, rights, risks
- [Business model](business-model.md) — revenue sources, structure
- [Financial calculations](financial-calculations.md) — return scenarios
---
**Last updated:** 2026-02-19

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# Market Analysis
**Navigation:** [← Table of contents](README.md) · [Business model](business-model.md) · [Financial calculations](financial-calculations.md) · [For investors](for-investors.md)
> All forecasts are a vision of the future, not a guarantee. More: [DISCLAIMERS.md](DISCLAIMERS.md)
---
## Table of Contents
1. [Target Market (TAM / SAM / SOM)](#target-market)
2. [Scenario Rationale](#scenario-rationale)
3. [Tokenization Market](#tokenization-market)
4. [Regulatory Sandboxes](#regulatory-sandboxes)
5. [Competitive Landscape](#competitive-landscape)
6. [Growth Drivers](#growth-drivers)
7. [Barriers](#barriers)
---
## Target Market
### MSMEs Worldwide
Micro, small and medium enterprises (MSMEs) account for over 90% of all companies globally, ~70% of employment and ~50% of global GDP.
| Indicator | Value | Source |
|-----------|-------|--------|
| Formal MSMEs worldwide | ~322 million (176 economies) | World Bank MSME-EI, 2019 |
| Of these, formal SMEs | ~36–44 million | IFC, World Bank |
| MSME share of all companies | >90% | UN Global MSMEs Report, 2024 |
| MSME financing gap | $5.7 tn (formal), $8 tn (with informal) | IFC, 2024 |
Financial calculations use an estimate of ~333 million entrepreneurs. This aligns with World Bank data (322 million formal MSMEs in 176 economies in 2019) plus annual growth in registered businesses (World Bank Entrepreneurship Database, 2022).
### TAM / SAM / SOM
| Level | Description | Volume | Rationale |
|-------|-------------|--------|-----------|
| **TAM** (Total Addressable Market) | All formal MSMEs worldwide | ~333 million companies | World Bank: 322M (2019) + annual registration growth |
| **SAM** (Serviceable Addressable Market) | MSMEs in jurisdictions with regulatory sandboxes and blockchain-friendly regulation | ~100–130 million companies | 92 countries with sandboxes, ~70% MSMEs in EMDE |
| **SOM** (Serviceable Obtainable Market) | Companies the accelerator can realistically attract in 5 years | 21,000 – 3.3 million | 21,000 — first accelerator; 3.3M — 1% of TAM |
**SAM criteria:**
- Jurisdiction with regulatory sandbox or blockchain-friendly regulation
- Company uses or is ready to use digital management tools
- Server infrastructure (own or leased) for on-premises
**SOM criteria:**
- Accelerator presence in the country
- Integration of local identifiers (tax, accounting, banking) into the platform
- Active marketing and support in local language
---
## Scenario Rationale
### Financial Calculation Scenarios
[Financial calculations](financial-calculations.md) use 5-year coverage scenarios:
| Scenario | Share of TAM | Customers | Likelihood |
|----------|-------------|-----------|------------|
| Realistic (SOM) | ~1% | ~3.3 million | High (50–70%) |
| Conservative | 10% | ~33.3 million | Medium (30–50%) |
| Optimistic | 40% | ~133.2 million | Low (10–20%) |
### Comparison with Market
| Platform | Customers | Years in market | Product type |
|----------|-----------|-----------------|--------------|
| Shopify | ~2.1M (Q4 2024) | 20 | E-commerce SaaS |
| Stripe | ~4M+ (est.) | 15 | Payments API |
| QuickBooks (Intuit) | ~7M | 30+ | Accounting SaaS |
| Salesforce | ~150K | 26 | CRM SaaS |
**Conclusions:**
- **SOM (1%, ~3.3M)** — comparable to Shopify/Stripe over 15–20 years. Ambitious for 5 years but achievable with a large accelerator in 150+ countries
- **10% (~33.3M)** — significantly above growth rates of mature SaaS platforms
- **40% (~133.2M)** — very unlikely in this horizon
- Key differentiator of DLE: one-time license purchase (not subscription), lowering entry barrier
### SOM Scenario (1% coverage) — Base
| Parameter | Value |
|-----------|-------|
| Customers by year 5 | ~3.3 million |
| License revenue | ~9,332,000,000 USDT |
| To treasury (70%) | ~6,532,400,000 USDT |
| Minimum token price | ~2,505 USDT |
Even at 1% coverage, minimum token price grows ~7.6x from initial (328 USDT), delivering returns above target IRR 20–30%.
---
## Tokenization Market
### Current State (2026)
| Indicator | Value | Source |
|-----------|-------|--------|
| Asset tokenization market (2025) | $1.47 tn | Research and Markets |
| 2026 forecast | $2.02 tn (CAGR 37.3%) | Research and Markets |
| Tokenized RWA market cap | >$21 bn | ByteTree, Jan 2026 |
| RWA token holders | >630,000 | ByteTree, Jan 2026 |
| Tokenized US Treasuries | ~$9 bn | ByteTree, 2026 |
| BlackRock + JPMorgan (tokenized) | ~$24 bn | AInvest, 2026 |
### 2030 Forecasts
| Source | Forecast | CAGR |
|--------|----------|------|
| McKinsey | $2 tn (base), $4 tn (optimistic) | — |
| BCG / Ripple | $18 tn | 53% |
| Standard Chartered | $30 tn | — |
| Research and Markets | $7.79 tn | 12.4% |
### DLE Position
DLE does not compete directly with financial asset (RWA) tokenization platforms. DLE tokenizes **business governance** — corporate decisions, licensing, access to settings. This is an adjacent but distinct segment.
---
## Regulatory Sandboxes
| Indicator | Value | Source |
|-----------|-------|--------|
| Sandboxes worldwide | 199+ | SSRN, Jan 2025 |
| Countries with sandboxes | 92 | SSRN, Jan 2025 |
| Leaders | USA, Singapore, UK (~25% of all) | SSRN, 2025 |
| EMDE share | ~70% | World Bank |
| 70% of sandboxes | focus on blockchain/fintech | World Bank |
| Peak creation | 2018–2020 (56% in 2018–2019) | World Bank |
**Relevance for DLE:**
- 92 countries with sandboxes — potential entry points for the accelerator
- Emerging markets (70% of sandboxes) — core DLE audience
- Growth in sandboxes creates infrastructure for blockchain adoption
---
## Competitive Landscape
### DAO Platforms and Governance Tools
DAO ecosystem in 2026: 13,000+ organizations, ~$24.5 bn in treasuries, 11.1M governance token holders (CoinLaw, 2026). Tokenized on-chain treasuries — $9.1 bn TVL (Dec 2025, up from $770M in 2023). Sector growth ~30% CAGR (2021–2024).
| Platform | Focus | Difference from DLE |
|----------|-------|---------------------|
| Snapshot | Voting (96% of large DAOs) | Voting only, no business tools |
| Safe (Gnosis) | Treasury ($22+ bn) | Multisig wallet, no AI/CRM |
| Tally | Governance ($5+ bn) | On-chain governance only |
| DeXe | No-code DAO builder, multi-chain | Closest to DLE but no AI agents, no on-premises |
| Aragon / XDAO | DAO framework | Developer infrastructure |
### Blockchain Platforms for Business
| Platform | Focus | Difference from DLE |
|----------|-------|---------------------|
| Fireblocks | Transaction security | Custody and transfers only |
| Chainalysis | Compliance, KYT | Analytics, not business management |
| Ripple | Cross-border payments | No governance smart contracts |
| Hyperledger | Enterprise blockchain | Framework for developers, not ready product |
### DLE’s Unique Position
No existing platform combines:
1. **AI agents** (local model, RAG, customization for business processes)
2. **Smart contracts with regulator identifiers** (tax, accounting, banking)
3. **On-premises deployment** (data on client server)
4. **One-time license** (no SaaS subscriptions)
5. **Accelerator program** (setup, training, investment)
---
## Growth Drivers
1. **Regulatory pressure** — FATF, MiCA, SEC/CFTC require identification of blockchain participants. DLE addresses this via smart contracts with identifiers.
2. **Tokenization growth** — market growing at 53% CAGR (BCG). Business needs tools to manage tokenized assets.
3. **Regulatory sandboxes** — 199 sandboxes in 92 countries provide testing infrastructure. DLE is a ready product for these sandboxes.
4. **SaaS fatigue** — small business spends $10,000–50,000/year on subscriptions. DLE one-time license ($1,000–10,000) is an attractive alternative.
5. **Local AI** — growing demand for AI without sending data to the cloud. Ollama + on-premises = full data control.
---
## Barriers
1. **Scaling** — reaching even 1% coverage (~3.3M customers) in 5 years requires massive distribution across 150+ countries.
2. **Regulatory uncertainty** — legal status of tokens varies by jurisdiction. Bans in key markets could limit growth.
3. **Competition** — large players (Shopify, Stripe, Intuit) may add blockchain features. DAO platforms (DeXe, Aragon) may extend functionality.
4. **Education barrier** — most entrepreneurs are unfamiliar with tokenization and DAOs. Significant education effort required.
5. **Technical complexity** — on-premises deployment requires technical capability, limiting micro-enterprise audience.
6. **Key Person Risk** — dependence on founder with 70% of governance tokens.
---
## Additional Materials
- [Financial calculations](financial-calculations.md) — return scenarios
- [Business model](business-model.md) — revenue sources, structure
- [For investors](for-investors.md) — investment offering
- [Disclaimers](DISCLAIMERS.md) — warnings and limitations
---
### Sources
1. World Bank, MSME Economic Indicators, 2019 (322M formal MSMEs in 176 economies)
2. UN Global MSMEs Report, 2024
3. IFC MSME Factsheet, September 2024
4. World Bank Entrepreneurship Database (180 economies, 2006–2022)
5. McKinsey, “From ripples to waves: The transformational power of tokenizing assets”, 2024
6. BCG / Ripple, Tokenization Report
7. Research and Markets, Assets Tokenization Market Report, 2026
8. ByteTree, State of Tokenized Real-World Asset Market, Jan 2026
9. SSRN, “Worldwide Adoption of Regulatory Sandboxes”, Jan 2025
10. World Bank, “Key Data from Regulatory Sandboxes across the Globe”
11. CoinLaw, Decentralized Autonomous Organizations Statistics, 2026
12. OnChainTreasury, Tokenized On-Chain Treasuries, Dec 2025
13. Shopify Q4 2025 Financial Results
14. Gartner Peer Insights, Blockchain Platforms, 2025–2026
---
**Last updated:** 2026-02-19

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# Welcome to VC HB3 Accelerator
**Fintech startup "VC HB3 Accelerator" is a venture fund and software provider.**
We develop the DLE platform, help businesses configure and test it in a sandbox, and invest in promising companies created by accelerator participants.
**DLE Platform (Digital Legal Entity):** [github.com/VC-HB3-Accelerator/DLE](https://github.com/VC-HB3-Accelerator/DLE) — a microservices platform with a web application for on-premises deployment on company servers. It includes tools for configuring AI agents and a smart contract system with support for tax, accounting, banking, and other identifiers established by the regulator. It enables management and automation of business processes, allows moving away from fragmented SaaS services with monthly subscriptions, and complies with regulator requirements for data storage and processing.
**Accelerator** — a program for deploying the DLE platform. We open a presence in an IT hub, deploy a sandbox, and help participants configure and test the platform for their business needs. More — [accelerator-program.md](accelerator-program.md).
---
## Who We Serve
### For Investors
Looking for portfolio diversification? Review the investment offering, financial model, and fund governance (via governance tokens on blockchain).
Start here: [for-investors.md](for-investors.md)
### For Entrepreneurs
Tired of fragmented SaaS subscriptions, manual data transfers, and vendor lock-in? The DLE platform replaces a set of services with a single system on your server, and the accelerator helps configure and test it for your business.
Start here: [for-entrepreneurs.md](for-entrepreneurs.md)
### For Regulators
Want to adapt regulation to new technology and get ready-made tools piloted in local IT hub sandboxes? Review our cooperation proposal.
Start here: [for-regulators.md](for-regulators.md)
### For Contractors
Developers, designers, consultants — we are looking for specialists to jointly develop the platform and support accelerator participants. See contractor terms.
Start here: [for-contractors.md](for-contractors.md)
---
## Contacts
- **Web app:** https://hb3-accelerator.com
- **Email:** info@hb3-accelerator.com
---
**Last updated:** 2026-02-19

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# 5-Year Roadmap
**Navigation:** [← Table of contents](README.md) · [Business model](business-model.md) · [Financial calculations](financial-calculations.md) · [For investors](for-investors.md)
> All timelines and goals are a vision of the future, not a guarantee. More: [DISCLAIMERS.md](DISCLAIMERS.md)
---
## Overview
One accelerator cycle is 5 years. Cycle goal: onboard participants, configure platform, invest in 600 companies, build and sell portfolio to launch the next accelerator.
---
## Year 1 — Launch: Branches, Cohorts, Setup
| Area | Tasks |
|------|-------|
| **Branches** | Open presence in IT hubs, register entities in special economic zones (target: 150+ countries) |
| **Identifiers** | Integrate local identifiers (tax, accounting, banking) into platform, deploy smart contracts |
| **Cohorts** | Onboard 4 cohorts × 70 groups = 280 groups, 21,000 entrepreneurs |
| **Platform** | Configure DLE for first cohorts, sell licenses (Standard / Premium) |
| **Investors** | Attract LP investors, sell governance tokens (up to 30%) |
**KPIs:**
| Metric | Target |
|--------|--------|
| Countries with presence | 150+ |
| Entrepreneurs in cohorts | 21,000 |
| Licenses sold | 21,000 (Standard + Premium) |
| Treasury inflows | 84,000,000 USDT (licenses) + up to 900,000,000 USDT (LP) |
---
## Year 2 — Testing, Refinement, Pre-seed
| Area | Tasks |
|------|-------|
| **Platform** | Testing by accelerator participants, refinement from cohort feedback |
| **Education** | Online sessions, setup workshops, cross-cohort exchange |
| **Investments** | Pre-seed investments in best companies from first cohorts (50,000–200,000 USDT) |
**KPIs:**
| Metric | Target |
|--------|--------|
| Platform tested by cohorts | Yes |
| Pre-seed investments | 100–150 companies |
| Pre-seed capital | 5,000,000–30,000,000 USDT |
---
## Year 3 — Growth, Seed, Metrics
| Area | Tasks |
|------|-------|
| **Investments** | Seed investments in best portfolio companies (200,000–1,000,000 USDT) |
| **Metrics** | Conversion, revenue, retention analysis for cohort participants |
| **Portfolio** | Monitor Pre-seed companies, prepare best for Seed |
**KPIs:**
| Metric | Target |
|--------|--------|
| Seed investments | 150–200 companies |
| Seed capital | 30,000,000–200,000,000 USDT |
| Portfolio companies (cumulative) | 250–350 |
| Jurisdictions with integrated identifiers | 100+ |
---
## Year 4 — Maturity, Series A, First Exits
| Area | Tasks |
|------|-------|
| **Investments** | Series A and ICO prep for mature portfolio companies (1,000,000–5,000,000 USDT) |
| **Exits** | First exits from early Pre-seed / Seed investments |
| **Portfolio** | Optimization: strengthen best, cut losses |
| **Governance** | On-chain voting on portfolio priorities |
**KPIs:**
| Metric | Target |
|--------|--------|
| Series A / ICO investments | 100–150 companies |
| First exits | 10–30 companies |
| Portfolio companies (cumulative) | 450–550 |
| Return from first exits | 5–10x investment |
---
## Year 5 — Exits, Portfolio Sale, New Cycle
| Area | Tasks |
|------|-------|
| **Exits** | Mass exits from portfolio companies |
| **Portfolio** | Sale of portfolio of portfolio company governance tokens |
| **New fund** | Prepare and launch next accelerator with proceeds from portfolio sale |
| **Summary** | Report to token holders, on-chain vote on new cycle strategy |
**KPIs:**
| Metric | Target |
|--------|--------|
| Portfolio companies (total) | 600 |
| Exits (total) | 60–120 companies (exit rate 10–20%) |
| Average return from exits | 10–15x |
| Portfolio sold | Yes |
| New accelerator launched | Yes |
---
## Summary Table
| Year | Focus | Investments | Key outcome |
|------|-------|-------------|-------------|
| 1 | Launch | — | 21,000 entrepreneurs, 150+ countries, treasury formed |
| 2 | Testing | Pre-seed (50K–200K) | Platform tested, 100–150 investments |
| 3 | Growth | Seed (200K–1M) | 250–350 portfolio companies, metrics |
| 4 | Maturity | Series A / ICO (1M–5M) | First exits, 450–550 companies |
| 5 | Exits | — | 600 companies, portfolio sold, new cycle |
---
## Additional Materials
- [Business model](business-model.md) — revenue sources, cost structure
- [Financial calculations](financial-calculations.md) — return scenarios
- [For investors](for-investors.md) — investment offering
- [Accelerator program](accelerator-program.md) — participation mechanics
- [Market analysis](market-analysis.md) — TAM/SAM/SOM, competitors
---
**Last updated:** 2026-02-19

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# Digital Legal Entity — Purchase and Service Terms
## Table of Contents
1. [Licensing Model](#1-licensing-model)
2. [Pricing](#2-pricing)
3. [Voting System](#3-voting-system)
4. [Updates and Maintenance](#4-updates-and-maintenance)
5. [Technical Support and Training](#5-technical-support-and-training)
6. [Refunds and Guarantees](#6-refunds-and-guarantees)
7. [Liability](#7-liability)
8. [Terms of Use](#8-terms-of-use)
9. [Security and Privacy](#9-security-and-privacy)
10. [Governance Smart Contract](#10-governance-smart-contract)
11. [Payment and Sellers](#11-payment-and-sellers)
12. [Policy for Changing Terms](#12-policy-for-changing-terms)
13. [Contacts](#13-contacts)
**Legal documents:** [legal/README.md](https://github.com/VC-HB3-Accelerator/DLE/blob/main/legal/README.md) — license, copyright, attribution requirements.
---
## 1. Licensing Model
### 1.1. Core Principles
| Parameter | Value |
|-----------|-------|
| License type | Perpetual License |
| Term | Unlimited |
| Updates | Free for 5 years for token holders |
| Revocation | License cannot be revoked by the company |
### 1.2. License and Tokens
Each DLE license is linked to a **governance token on the blockchain**. The token confirms the right to use the platform and grants a vote in product development.
| Parameter | 1 token | 10 tokens |
|-----------|---------|-----------|
| Number of licenses | 1 | 1 |
| Lines of business | 1 | 1 |
| Voting power | 1 | 10 |
| Service terms | Same | Same |
**Voting:** 1 token = 1 vote. Decisions are made by majority (51%+) via on-chain smart contract.
### 1.3. Line of Business
- One license — one line of business
- Multiple lines require separate licenses
---
## 2. Pricing
### 2.1. Licenses
| Package | Price | Tokens | Votes |
|---------|-------|--------|-------|
| Standard | $1,000 USDT (one-time) | 1 | 1 |
| Premium | $10,000 USDT (one-time) | 10 | 10 |
All prices are **excluding taxes**. Taxes are the buyer’s responsibility (VAT, Sales Tax, Income Tax, etc., depending on jurisdiction).
### 2.2. What’s Included in Both Licenses
- Perpetual right to use the platform
- Full source code and documentation
- Free updates for 5 years (for token holders)
- Technical support (SLA by issue priority)
- Governance tokens on blockchain
- Voting rights on product development
- Access to online training sessions
- Document package for regulators
The only difference between packages is the number of tokens and thus votes.
### 2.3. Payment Methods
- **Cryptocurrency (USDT)** — directly or via authorized partners
- **Bank transfer** — in local currency via authorized dealers
- **Credit cards** — via partner payment systems
All transfer, conversion, and payment processing fees are borne by the buyer.
### 2.4. Purchase Process
1. Choose seller (authorized dealer or directly from author)
2. Agree price in USDT or local currency equivalent
3. Receive payment details
4. Send payment
5. Confirmation and payment document
6. Receive token and platform access
---
## 3. Voting System
### 3.1. Process
1. **Proposal** — community proposes a new feature
2. **Registration** — vote is created in on-chain smart contract
3. **Voting** — each token = 1 vote, “For” or “Against”
4. **Decision** — with 51%+ “For”, the feature is scheduled for development
### 3.2. Frequency
- Voting is open continuously (asynchronous)
- Quarterly review of results
- Development prioritized by vote count
### 3.3. Voting Portal
**URL:** https://hb3-accelerator.com/
Available: create proposals, vote, view results, track development status, voting history.
**Requirements:** wallet with tokens (MetaMask, WalletConnect, etc.).
---
## 4. Updates and Maintenance
### 4.1. Free Updates (5 Years)
For all license token holders from the token transfer date recorded on-chain:
- Bug fixes
- Performance improvements
- New features (approved by vote)
- Security updates
**Frequency:**
| Type | Frequency |
|------|-----------|
| Security Patches | As soon as discovered |
| Regular Updates | Weekly (Wednesdays) |
| Major Features | Per voting results |
### 4.2. Updates Platform
**URL:** https://hb3-accelerator.com/
License holders can: download all versions, read Release Notes, get notified of new releases, use migration documentation.
**Access requirement:** license token on wallet at time of request.
---
## 5. Technical Support and Training
All license holders get access to support and training via the portal: https://hb3-accelerator.com/
Detailed support terms, training, online sessions, and platform setup are covered in the [accelerator program](accelerator-program.md).
---
## 6. Refunds and Guarantees
### 6.1. General Principle
The license is perpetual — standard refunds are not provided.
### 6.2. 70% Refund Program
A refund of **70% of the license price** is possible within **5 years** of purchase if all of the following are met:
1. **More than 51% negative votes** in a token-holder vote
2. Complaints relate to **lack of update releases**
3. Vote was conducted **via on-chain smart contract**
4. Request submitted **within 5 years** of licensing date
**Process:** request at hb3-accelerator.com → confirmation on smart contract → 70% refund within 30 days.
### 6.3. Payment Dispute
Within 30 days of payment — in case of calculation error, double charge, or other valid reasons.
---
## 7. Liability
### 7.1. Author’s Guarantees
- License is perpetual (right to use is not time-limited)
- Updates and basic maintenance free for 5 years
- Core functionality remains available
- Voting rights on product development
### 7.2. What Is Not Guaranteed
- Specific new features (depends on voting)
- Specific release schedule
- Support when modifying source code
- Performance when exceeding recommended limits
### 7.3. Limitation of Author’s Liability
The author is not liable for: lost profit, indirect damages, data loss, business interruption, reputational harm, fines, or sanctions.
**Maximum liability:** not more than the license fee paid. Only direct damages from direct breach of contract are covered.
### 7.4. User Responsibility
The user is responsible for:
- Data backup
- Use in accordance with the license terms
- Protecting wallet private keys
- Compliance with applicable law
- Timely application updates
---
## 8. Terms of Use
### Permitted
- Use for managing your own business
- Deployment on your own infrastructure
- Data backup
- Local configuration changes
- Voting on product development
- Transfer of license to heirs
### Prohibited
- Resale or sublicensing
- Using one license for more than one line of business
- Reverse engineering and source code modification
- Removal of copyright and license notices
- Sharing between independent organizations
- Use for educational purposes without permission
- Deploying SaaS based on the platform
---
## 9. Security and Privacy
| Mechanism | Description |
|-----------|-------------|
| TLS 1.3 | Encryption of all connections |
| AES-256 | Encryption of critical data at rest |
| Key management | User controls encryption keys |
| GDPR | Compliance (with DPA) |
More: [DLE Security](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/security.md)
---
## 10. Governance Smart Contract
### 10.1. Architecture
DLE uses an on-chain smart contract for license and voting management:
- **ERC20** — each license is represented by governance tokens (1 or 10)
- **ERC20Votes** — built-in voting
- **ERC20Permit** — signatures for transfers without gas
- **Multi-chain** — voting supported across multiple networks
### 10.2. Voting via Smart Contract
**Creating a proposal:** token holders only. Voting duration: from 1 hour to 30 days.
**Process:** proposal → vote (1 token = 1 vote) → quorum 51%+ → execution.
**Execution:** via direct call in voting chain or via signatures in other networks.
### 10.3. Contract Security
- ReentrancyGuard
- Tokens transferred only via governance
- Vote snapshots to protect against flash-loans
- EIP-712 signatures for contract wallets
- Validation of all parameters before execution
### 10.4. License Transfer
License = tokens tied to wallet address. Transfer = moving tokens to new address via governance. New owner automatically receives voting rights.
---
## 11. Payment and Sellers
### 11.1. Authorized Sellers
Licenses are sold **only through companies** with official written authorization from the author.
**Seller requirements:** legal entity, signed contract, listing on hb3-accelerator.com, compliance with licensing terms.
### 11.2. Seller for the Russian Federation
**LLC "ERAYTI"**
- OGRN: 1222600014383
- INN: 2636220809
- Address: 355007, Stavropol Krai, Stavropol, Burmistrova St., 65B, premises 2
- Contacts: 18900@эрайти.рф, +7 (968) 269-92-64
### 11.3. Direct Purchase from Author
- Email: info@hb3-accelerator.com
- Website: https://hb3-accelerator.com
- GitHub: https://github.com/VC-HB3-Accelerator
---
## 12. Policy for Changing Terms
### For New Licenses
- Terms may change for new purchases
- 60 days’ notice before effective date
- Applies only to licenses purchased after the change date
### For Existing Licenses
- Your license terms **do not change** after purchase
- Fixed rights apply indefinitely
- Backward compatibility is maintained
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## 13. Contacts
- **Support portal:** https://hb3-accelerator.com/
- **Email:** info@hb3-accelerator.com
- **GitHub:** https://github.com/VC-HB3-Accelerator/DLE
- **Legal status:** Proprietary software (see [LICENSE](https://github.com/VC-HB3-Accelerator/DLE/blob/main/LICENSE))
- **Legal documentation:** [legal/README.md](https://github.com/VC-HB3-Accelerator/DLE/blob/main/legal/README.md)
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## Additional Documentation
- [Platform description](application-description.md)
- [AI Agents](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/ai-assistant.md) — specialized agent system
- [Blockchain for Business](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/blockchain-for-business.md) — digital asset registration and business use cases
- [DLE Security](https://github.com/VC-HB3-Accelerator/DLE/blob/main/docs/security.md) — multi-layer protection
- [FAQ](FAQ.md) — frequently asked questions
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**© 2024–2025 Alexander Viktorovich Tarabanov. All rights reserved.**
**Last updated:** February 2026