The primary goal of Zingwaldo is to provide tools (the Rain-Drops Apps) that aim to reduce poverty while stimulating pervasive abundance.

Keep up to date with Zingwaldo on Google+

We have a Paypal account where you can donate to us to help speed up development of the Rain-Drops Apps.

Visit Zingwaldo at Google+ to learn how you can get a headstart accumulating Rain-Drops before we release the Rain-Drops Apps.

Pre-release Rain-Drops Accumulation Spreadsheet


The concept is very simple.

For every 6 minutes that a person is alive, 1 Rain-Drop will be added to that person's Rain-Drops account.

No More, No Less

You can't buy extra Rain-Drops from Zingwaldo. All you get is all you get.

1 Rain-Drop every 6 minutes.

240 Rain-Drops per day.

87,660 Rain-Drops per average year.

Should Be Enough

7,000,000,000+ people are on this planet.

If they all had Rain-Drops accounts, each year would see 613,620,000,000,000 new Rain-Drops put into circulation.

613 Trillion with a capital T.

There might not be enough money to get everything done that needs to get done, but there should be enough Rain-Drops.


First...One Rain-Drops account per living person.

Second...You need to be invited by a number of existing Rain-Drops account holders in order to get your Rain-Drops account.

Third...If you try to cheat, you'll lose all your Rain-Drops and never get a Rain-Drops again.

Fourth...All transactions of Rain-Drops from one entity/account to another must take place through the Rain-Drops system.

There will be other restrictions. They will primarily be designed to keep everything fair for everyone that uses the Rain-Drops Apps.

Social Verification

Zingwaldo is putting together a system to ensure that a Rain-Drops account holder is a real, living person.

Rain-Drops account holders will all be connected as a network. The number of verifiable nodes in the network will help to determine whether or not a Rain-Drops account holder is real.

Inviting someone to become a Rain-Drops account holder comes with some responsibility.

If you invite someone that is not a real person, you could lose all your Rain-Drops, for now and always.

As well, Zingwaldo will reward those who detect fraudulent Rain-Drops accounts, whether they are Personal or Merchant Rain-Drops accounts.

Zingwaldo will also integrate other methods of verification into the system. It's very important that Rain-Drops users trust the Rain-Drops system. The fewer fraudulent Rain-Drops in circulation, the more value the genuine Rain-Drops will attain.


There will be special accounts for Merchants. Merchants will be able to accept Rain-Drops from Rain-Drops account holders.

Merchants will also be able to transfer Rain-Drops to other Rain-Drops account holders.

Merchants do not receive the "1 Rain-Drop every 6 minutes" that personal account holders receive. They can only accept Rain-Drops that are voluntarily transferred from other Rain-Drops account holders.

Merchants will need to be verified as to their bonifides by Rain-Drops account holders. This is an extension of the social verification system.

Rain-Drops Expiration

Each Rain-Drop will be numbered and tracked as it moves from person to person, person to merchant, merchant to merchant, and merchant to person.

If a Rain-Drop remains stagnant in a Rain-Drops account for a certain period of time, it will expire (evaporate?).

This is to ensure that Rain-Drops are used, not hoarded. They are Trading Units, not Saving Units.

The elapsed time before a Rain-Drop expires has yet to be determined. Some simulations will need to be performed before this duration is chosen by Zingwaldo. It is also possible that expiration dates will be flexible to adapt with the health of the Rain-Drops system.

Rain-Drops need to keep circulating in order to maximize benefits to individuals.

Rain-Drops Distance Depreciation

Note: This is a component of the Rain-Drops system that is currently under consideration. It may or may not end up being a Rain-Drops policy.

Local currencies find advantages in that they are used locally. That local use has the effect of re-circulating the currency multiple times within the local community. The result is that the local economy gains in value since the curency can normally only be used within a limited geographical area.

To help achieve this same result, Zingwaldo may put Distance Depreciation factors into Rain-Drops. For instance, when a Rain-Drop is used to trade between a Rain-Drops account holder and a Rain-Drops Merchant that is less than 100 kilometers away, the Rain-Drop will retain 100 percent of its value.

But, if the distance between the buyer and seller is between 101 kilometers and 500 kilometers, the Rain-Drop will be reduced in value by 10 percent.

If the distance rises to between 501 kilometers and 1,000 kilometers, the reduction in value would be 20 percent.

Reduction in value of a Rain-Drop would increase to 30 percent for distances between 1,001 kilometers and 5,000 kilometers.

Reduction in value of a Rain-Drop would increase to 40 percent for distances above 5,001 kilometers.

This would encourage traders to trade with local merchants. This would help to keep the local Rain-Drops local. It would help to strengthen every local economy that uses Rain-Drops for trade.

Since the Rain-Drops have a location field built into their database design, this should be relatively simple to implement. The farther away a Rain-Drop gets from the location of the person where the Rain-Drop originated, the lower in value it becomes.

Merchant Rain-Drops Expiration

Rain-Drops that are acquired by Merchants will have a much shorter expiration period than the expiration period provided to personal Rain-Drops account holders.

This is to ensure that Merchants either trade with other Merchants or distribute their Rain-Drops to their owners/shareholders or employees instead of hoarding the Rain-Drops.

Rain-Drops Fees

Zingwaldo cannot create Rain-Drops for itself. There is only one way Rain-Drops are created, and that's by adding 1 Rain-Drop to a real person's Rain-Drops account for every 6 minutes they are alive.

Eventually, it is hoped that Zingwaldo will be able to fund most of its operations by earning Rain-Drops that come from delivering services to the Rain-Drops membership. In order to do that, a Rain-Drop based set of fees are to be applied by Zingwaldo to use the system.

Zingwaldo will charge Rain-Drops based fees to Merchants and Rain-Drops acocunt holders for trades, transactions, and maintaining the accounts.

The fees for these services have yet to be determined, but it is expected to be very low.

Rain-Drops Growth

The rate at which Rain-Drops enter the Rain-Drops supply is limited by the number of living Rain-Drops account holders and the ticking of the clock.

If there are 100 Rain-Drops accounts, there will be an additional 24,000 Rain-Drops created every day.

If there are 10,000,000 Rain-Drops accounts, there will be an additional 2,400,000,000 new Rain-Drops put into circulation every day.

Can you get more than 1 Rain-Drop every 6 minutes?


If someone wants to give you some of their Rain-Drops, there's nothing stopping them. You both simply use the Rain-Drops App to transfer their Rain-Drops from their account to your Rain-Drops account.

Of course, most Rain-Drops account holders will want something in exchange for their Rain-Drops, but that part of the transaction is between you and them.

When will this start?

As soon as possible.

The people at Zingwaldo need to make sure that the Rain-Drops Apps and system are secure.

We also need to be sure that the database that will track accounts and Rain-Drops will be bulletproof.

It might take 2 months, 6 months, 8 months or longer.

We'll keep you updated.

The Market

As soon as the Rain-Drops Personal App, Rain-Drops Merchant App and Rain-Drops databases are ready for public consumption, Zingwaldo will begin to create the Rain-Drops Market App.

Some of the features of the Market App could perform the following tasks:

-Search for Rain-Drops accepting Merchants.
-Search for Rain-Drops accepting Merchants that are nearby.
-Search for items available that can be traded with Rain-Drops.
-Search for services that can be traded with Rain-Drops.
-List your Rain-Drop valued items for purchase. -List your Rain-Drop valued services for hire.

Zingwaldo - The Co-op

The business structure of Zingwaldo will be a Co-op. Initially, Zingwaldo will operate outside of the Co-op structure, but as soon as all the items necessary to become a Co-op are in place, the ownership structure of Zingwaldo will be transformed into a Co-operative.

This means that everyone that wants to belong to the business part of Zingwaldo will have an opportunity to become a Zingwaldo Co-op member.

The Co-op model is based on individuals owning only one(1) share and having one(1) vote. No one person can have more than one share or one vote.

Co-op shareholders vote on how the business will be conducted. Co-op shareholders will vote on how Zingwaldo will be operated. They will most likely do this by voting for a Board of Directors.

The Board of Directors will choose a management team. The management team will carry out the duties of Zingwaldo according the the Zingwaldo Co-op Charter.

The Zingwaldo Co-op Charter will be created to ensure that Zingwaldo operates within a well defined set of parameters. These parameters will ensure stability, fairness, transparency, equality, and the financial security for Zingwaldo and Zingwaldo's member/shareholders.

To learn more about Co-ops, visit the International Co-operatives Alliance.

Why a Co-op?

Transistioning into a Co-op will raise the trust level of Zingwaldo. If Zingwaldo was run as a private company, or a public corporation, the primary goal of the company would be to maximize profits for the shareholders. To do that, Zingwaldo would need to extract as much value as possible out of each Rain-Drops account holder.

The Rain-Drops account holder would become the target for value extraction. Zingwaldo would be selling access to Rain-Drops account holders to those who would be willing to pay for that access.

Instead, as a Co-op, the agenda of Zingwaldo would be to serve its Rain-Drops account holders as efficiently as possible, extracting just enough value to keep the Zingwaldo system up and running.

If Zingwaldo were to be run as a private company or public corporation, there would always be the chance that it would end up being sold to a bigger company. That might be a good thing, but more likely than not, it would just end up changing the way Zingwaldo works. Those changes would probably be only for the benefit of the new owners and to the detriment of the Rain-Drops account holders.

Zingwaldo account holders might not trust a private owner, or the shareholders of a public corporation to maintain the integrity of the Zingwaldo system. The databases that will be filled with information might get sold to the highest bidder. The fees might change to satisfy a quarterly profit target. The surplus revenues might get funneled into ridiculous executive compensation packages. Long term strategies might be put in peril to satisfy quarterly goals designed to make executives look good so that they may receive higher compensations.

Zingwaldo needs to be built as a trusted entity. A Co-op that is operated by rules set out in a strong, sensible Co-operative Charter might have slower initial growth, but it will stand the best chance to be a long term, successful, trusted entity.

If you would like to support Zingwaldo during its early development, we have a Paypal account that accepts donations. Any amount of donation would be greatly appreciated.