Are you presently elected or appointed as; or, are you a school child, university student or citizen, who aspires to one day earn the right to become a Leader in the world as: a Chief Executive Officer (CEO), namely, a Head of State, President, Prime Minister, Chancellor, Chief Minister, Governor, Minister, Agency Department Head or any other type of elected or appointed leader in the public sector?

Learn first-hand from A. K. (Anoop) Bungay, the person who first observed, discovered, tested, commercialized and international standardized the "Principles of 'BlockChain'" in government, commerce and academia; by creating the world's first application of the "Principles of 'BlockChain'"-in-Commerce for a Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance globally accessible (GLOBAL ACCESS™) network build on the originating blockchain (ORIGIN BLOCKCHAIN™) based, Bungay International Technology (BIT™) Conformity of Organization and Individuals Network (COIN™) global system-network at www.privatelender.org on April 9, 2005; and, who made the trademark global system-network SAFE for the global community by registering a subordinate quality management system algorithm to ISO 9001:2000, ISO 9001:2008 and the risk-based, ISO 9001:2015 CONTINUOUSLY since May 9, 2008 .  

This book is designed to help ANY country, region, state, province, territory, city or locality, immediately benefit in AT LEAST the following four (4) areas:

Four (4) Immediate Benefit Areas include: 

1. Non-Tax Revenue for your country, state, province, region or city: Increase it.

2. Tax Evasion: Identify, Reduce and Prevent it.

3. Money Laundering: Identify, Reduce and Prevent it.

4. Government Financial Waste: Identify, Reduce and Prevent it.

Excerpt from the text book:

Intended Audience: 

Any government ministries, public sector organizations, public regulatory bodies, private regulatory bodies who are encouraged by their:

> Constituents

> Shareholders (Significant Individuals)

> Customers

> Chief Risk Officers

> Chief Fiduciary Officers

to build an enterprise wide, risk-based (risk management) governance and oversight system that meets or exceeds National or International Standards using either:

>> old, classic systems methodology or 

>> modern “Principles of ‘BlockChain’”-based, systems-integrated: planning, design, building, implementation, management and continual improvement methodology. Also known as the BlockChain (BC) Enterprise Risk Management (ERM) Prosecution Protocol (PP); a sub-discipline developed by the person who formalized the non-novel (exact) science that resulted in the necessary discovery of the “Principles of ‘BlockChain’” between at least as early as August 14, 2001 and April 9, 2005, namely, conformity science, the author of this text: Mr. A. K. (Anoop) Bungay

The principles, concepts and core methods described in this document apply to ANY C was originally prepared for the benefit of British Columbia, Canada: 

<> Minister of Finance

<> Ministry of Finance

<> Policy and Legislation Division of the Ministry of Finance

<> Office of the Registrar of Mortgage Brokers

<> Provincial Legislators

<> Provincial Regulators

<> Policy makers

<> Members of Academia

<> Members of the Business Community; and,

<> British Columbia residents and Direct Foreign Investors into British Columbia

End Excerpt.

Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide:


MIT ⦿ Oxford ⦿ Sana'a ⦿ Stanford ⦿ KAU ⦿ Cambridge ⦿ U-São Paulo ⦿ Harvard ⦿

Yale ⦿ Caltech ⦿ ETH Zurich ⦿ UST China 

⦿ UNAM ⦿ UPC Heredia ⦿ NTU ⦿ IIT ⦿ AUB ⦿ UW-Australia ⦿ SKKU ⦿ KU Leuven ⦿ Sorbonne ⦿ U-Auckland ⦿ TTC

⦿ Tohoku ⦿ UBC ⦿ Lomonosov MSU ⦿ UBA ⦿ TU Munich ⦿ U-Copenhagen ⦿ UT

U-CapeTown ⦿ McGill ⦿ Cairo-U ⦿ UC ⦿ any member of the World Higher Education Database found at www.whed.net; created in collaboration with UNESCO (Disclosure: MQCC; the publisher is a member of the United Nations Innovation Network.)

The True "Principles of 'BlockChain'"™

How the Trademark Originating "Principles of 'BlockChain'"™ will help Harvard, Harvard Alumni, Harvard Students and Harvard Future Students (and any other Organization, globally): "MQCC: Practice what you Teach™" Program


Including the original “Offer to Help” the President and Fellows of Harvard College (Harvard Corporation; University); and any other equivalent accountable organization, globally, by MQCC Money Quality Conformity Control Organization incorporated as MortgageQuote Canada Corp. and Bungay International Inc. and Anoop Bungay; discoverer and creator of the world’s first application of the trademark Originating “Principles of ‘BlockChain’”™-in-commerce.

A Father of BlockChain® Text Series

April 9, 2005: Global access to the world's first commercialized "Principles of 'BlockChain'"-based Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance system-network starts here and now.

While scientists may argue about what came first, the chicken or the egg; in cryptofinance, there is no doubt: the cryptomortgage (cryptoasset/cryptodebt) financial instrument developed by A. K. (Anoop) Bungay, Founder of Bungay International Inc. whose mature, "system-network" commenced commercial operations at the internet domain name www.privatelender.org® registered by Santosh Bungay on April 9, 2005; predates the experimental, alpha-stage, subordinate "Satoshi Nakamoto"-designed payment transfer (cryptocurrency) program introduced to the public on January 8, 2009, by nearly 4 years.

Whose Library Should this Book be in? 

Complimentary (free) high-level information regarding the subject matter related to the MQCC SAFER™ Peer-to-Peer (P2P)/Private/ Crypto/Secret/Shadow Finance: Be The Bank® Series "Private Lending" program for:

--> Global General Public (Interested persons)

--> Prospective MQCC Customers (applicants and borrowers)

--> Students (grade school/matriculation level)

Is Available at the website address: PrivateLender.org®. You do not need to purchase this book in order to get an excellent understanding of the subject matter, at a high-level. And, if you, as a consumer, student or interested person desire more information, you are always able to visit www.mqcc.org and read the website for further complimentary (free) information. 

This book should be in your library if you are employed (or will be employed) in at least one of the following roles:

>> Investors 

>> Lenders

>> Legislators 

>> Regulators

>> Liability Insurers

>> Lawyers

>> Regulated Broker

>> Professional of any other discipline where you feel that this content may be of help to your understanding of this new class of knowledge and commerce.

About the Book:

Less than one percent (<1%) of total Canadian and global financial trade is in cryptofinancial instruments. Before you invest your hard-earned dollars. limited sovereign resources or private equity capital into a field that is not well-known (and in many cases, misunderstood), if you are a:

>> Active Retail finance investor seeking zero-beta (non-public market systemic risk) investment opportunities

>> Prospective borrower or capital seeker looking for investor-lender funds

>> Chief Executive Officer (CEO) of a federally or non-federally regulated financial institution

>> Governor of a Central Bank; or other finance sector leader, policy-maker

>> Regulated professional in one of the many finance sector industry groups

Take the time to invest in your knowledge by learning first-hand from the developer of the world's first regulatory-recognized, regulatory-trusted, globally-accessible cryptofinancial system-network which complies with the United Nations (UN), World Trade Organization (WTO) and Organisation for Economic Cooperation and Development (OECD) best practice.

A globally accessible system-network with an Organisation for Economic Co-operation and Development (OECD)-recognized, National and International Standards-Class (NISC™) transnational private self-regulatory control system to safeguard network members and non-network users; and celebrates 14 years of successful regulatory-integrated operations on April 9, 2019. A system-network that set the defacto global standard for consumer-centric cryptofinancial systems; is successfully litigation-tested by some members of the International Council of Legal Regulators (ICLR) and serves as a proven template for individuals, organizations and countries who seek to model their own success and establish high-levels of global consumer confidence as leaders in global cryptofinancial trade, in their own right.

MQCC™ Money Quality Conformity Control Organization, incorporated as MortgageQuote Canada Corp. MQCC.org™ is Global Network Administrator (GNA™) of the world's first application of the "Principles of 'BlockChain'"-in-Commerce for a Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow electronic finance systems. Developer of National and International Standards-Class (NISC™) risk-based conformity management systems, technology, services and products that meets or exceeds regulator field examination compliance standards for “higher risk and critical, complex or high value financial activities, methods and products”.

ABOUT THIS BOOK: the MQCC SAFER™ (Sustainable, Accountable, Flexible-Fair-Fiduciary, Efficient, Regulated-Respectful-Realistic; SAFER™) Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance "Private Lending" Edition Program book will give you insight into the origins of cryptofinance; the results of over 14 years of successful operation; and factors to consider when getting involved in matters related to cryptofinance generally and "private lending" in particular.

Long term organizational resilience achieved through the National, International Standards-Class (NISC™), Better, Safer & More Efficient™ brand of Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Commerce Systems; this technical document describes the history, principles, concepts and core processes necessary to increase your investment and business market opportunities in the hidden and lucrative and technical world of "private finance", in your role as either an 'investor, lender, intermediary or borrower'.

Finance Sector Industry Members: if you are a member of Top Management of a federally regulated financial institution (FRFI), provincial/state institution or public securities-reporting financial entity, learn - in confidence - the basic knowledge you need in order to properly introduce your trusting customers to the investment and borrowing opportunities found in Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow finance.

Regardless of your role: student, retail investor, Chief Executive Officer, government licensed and regulated mortgage broker; understand how 14 years of successful operation of the technology neutral MQCC System-Network™ is globally recognized as the defacto standard for quality (Better, Safer and more Efficient Trade™ ) in Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow finance because of over 12 years of continuous registration to the family of National and International Quality Management Standards ISO 9001. Specifically, ISO 9000:2000, ISO 9001:2008 and the current, risk-based ISO 9001:2015. ISO 9001 is a family of consensus-based standards trusted and adopted as the National Standard in least 119 countries, including members of the Group of 20, Digital 9 and World Trade Organization (WTO).

Legislators, Regulators, Legal Professionals, Consumers, Investors, Industry Members: discover how the MQCC System-Network™ instills regulatory confidence, prevents professional liability insurance claims through improved compliance using standards-based conformity systems, reduces consumer and investor risk, increase business revenues and increase investor-lender investment returns in the field of Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow finance; correctly defined as: 

The trade in non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments.

for the benefit of Canadian and International (in at least 119 countries):

<>Consumers (Borrowers, Investors-Lenders)

<>Government Regulated and Non-Regulated Credit Intermediaries

<>Professional Liability Errors and Omissions Risk Insurers

<>Regulators, Legislators, Policy Makers, Industry Groups and the General Public

Welcome to the public disclosure of the world's first body of required reading for ALL duly appointed, lawfully elected or employed persons in public office or in private enterprise, as leaders; legislators, policymakers; regulators; technical experts; scientists; members of Top Management; global professional liability insurers including corporate risk insurers; legal professionals; law enforcement; and business persons; promoters; consultants; investors; students - in at least 119 countries - who seek primary source, traceable, verifiable and immutable knowledge on the origins, commercialization, litigation-testing and National and International Standardization of the "Principles of 'BlockChain'" and related concept system subject matter: including but not limited electronic peer-to-peer finance (non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading; (P2P)/Private/Crypto/Secret/Shadow) utility tokens, securities token.

This global public disclosure is designed to be your practical and scholarly, primary source knowledge commencing from at least as early as 14-August-2001 until present day (September 2019 - or as of latest update) on the origin of the "Principles of 'BlockChain'" and related concept system matter; and is designed to be relied upon as a legislative-, regulatory-, public policy-making-, academic-, business-, investment- , professional-, technical-, and scientific reference, now and into the future.

As an electronic - (intellectual property token; trademark brand: MQCC InPUT™ ) - format encyclopedic authoritative reference, this First Edition will be continually improved until the next edition is published.

If you are a lawfully elected or duly appointed public official (Head of State, Senator, Minister, Legislator, Policy Maker, Regulator); lawfully elected, duly appointed or employed member of a regulated, reporting or private organization in the role of Top Management (Chief Executive Officer (CEO)- level or Board of Director-level) member; a legal professional; an professional liability insurance/organization risk underwriter; an investor, academic or interested person: before you spend any of your personal money (or any more personal money) and your valuable personal time on 'BlockChain'-anything or 'crypto'-anything; put this electronic reference [intellectual property utility token (distinctively known as the MQCC™-registered, global trademark: MQCC InPUT™)] in your personal library and learn directly from the person (Author) who:

<*> first identified and commercialized (starting at least as early as April 9, 2005) a globally accessible, peer-to-peer electronic finance system; (cryptofinancial network).

<*> first registered (starting at least as early as May 9, 2008) a subordinate Quality Management System to ISO 9001:2000; ISO 9001:2008 and the current risk-based ISO 9001:2015 in order to publicly prove to "the world", that the globally accessible system-network methods and products are better, safer, more efficient and in order to establish at-a-glance (prima facie) levels of trust - at a global scale;

<*> Over the past 19 years, has personally introduced and educated the following classes of people on the origins and over-14 years of successfully commercialized, National and International consensus-standards-based, application the overarching concept system including: the "Principles of 'BlockChain'; utility tokens, securities tokens, conformity science:

*> public officials (Ministers, Legislators, Policy Makers, Regulators)

*> lawyers employed by law enforcement agencies

*> lawyers employed by public market securities regulators

*> CEO's, Executive Officers, members of Top Management of regulated, reporting or private business organizations

*> retail customers (investors and investees)

*> and more

<*> Developed, what is today, the world's most trusted and trustworthy global system-network of its kind that, for over 12 years, meets and exceeds United States a (US) Department of Defense (DoD), General Services Administration (GSA), and the National

Aeronautics and Space Administration (NASA) Higher-level contract quality requirements and integrates elements of the globally trusted US National Institute of Standards and Technology (NIST) Framework Core for Improving Critical Infrastructure Cybersecurity.

This encyclopedic authoritative reference takes you from the start, from at least as early as 14-August-2001 to Present day (September 2019). Now that this compendium is published, if any consultant or business promoter, anywhere in the world (at least in 119 countries where ISO 9000 is considered a National Standard class of family of standards) on matters claims to know what he or she is talking about and has not proven to you that they have read this important work of public disclosure, then they really don't know scientific-based, historically-accurate, information timeline.

-> Learn how the Author has been telling CyrptoExchange CEO's to learn the MQCC Standards™, so they can make their cryptoexchanges better, safer and more efficient for the inexperienced global public and regulatory community -- months (and years) before sad events occurred when some exchanges suffered catastrophic shutdowns because Top Management did not have and still do not have, the historically proven systems that they need to assure better, safer and more efficient cryptofinancial operations; which MQCC developed.

--> Learn how some CEO's or Top Management of Banks and Public Securities Exchanges have been explained that an over 14 year-old fully functional system built on the "Principles of 'BlockChain'" exists and will prevent corporate shareholder financial loss caused by risk due to uncertainty created by nonconformity events like mortgage fraud and ineffective public (reporting securities issuer) company operators.

-> Learn how a proven regulatory-integrated framework of co-existence between public securities regulators and non-public securities regulators and regulatees has evolved since at least as early as August 14, 2001.

-> Learn how the term Bungay Unification of Quantum Processes Algorithm also represented as the "Principles of 'BlockChain'" was abstracted from observation of the originating object or phenomenon.

-> Learn how to find out who is a competent consultant and who is not a competent consultant on matters related to the "Principles of 'BlockChain'"

-> Learn how to the global community has misunderstood the origins and wasted (in some cases, literally) millions of dollars in ideas that are "BlockChain-in-Name-Only".

-> Learn how "The Principles of 'BlockChain'" have nothing to do with computer programming language C++; which was used to program the bitcoin, alpha-state, experimental software program.

-> Learn about the discovery and commercialization of SYSTEMS-LEVEL Artificial Intelligence (SL) by the yours sincerely.

-> Learn how commercially available suite of systems, technology, services and products work for any size organization: 1 owner-operator to an organization with 1,000,000 million employees and more.

This encyclopedic authoritative reference will be your best investment in this subject matter, ever.

More about this encyclopedic authoritative reference

The "Principles of 'BlockChain'" were naturally discovered out of a need to create a governance and operating system for the world's first "peer-to-peer (P2P) electronic finance system-network" for the trade in non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; commencing from at least as early as August 14, 2001. As a reminder, before you invest or spend any money on "BlockChain"-anything, or "crypto"-anything; learn from from the person who first discovered and then commercialized it, since at least as early as April 9, 2005 at www.privatelender.org; a person who also happens to be the world's leading authority on National and International Standards-Class NISC™ (in at least 119 countries), Quality Management System-integrated, regulatory-integrated, litigation-tested, BlockChain-based Systems, Technology, Services and Products.

WARNING: If you have any question of comprehension or understanding, seek professional counsel before you - another friendly reminder - spend even one more unit of fiat currency ("real" money) on any "BlockChain" or "Crypto" project. Ask your local legislator, lawyer or, in the future your local conformity scientist and PROFESSIONAL BLOCKCHAINEER™/®. Remember this authoritative encyclopedic reference is written by the person who developed the world's first commercialized an application of the "Principles of 'BlockChain'" in Commerce for a peer-to-peer electronic finance system. A body of transmundane knowledge encompassing a variety of knowledge disciplines. Having built "it" first and having built "it" right, means - despite being the CEO of a commercial finance sector organization - the Author is more or less "under the radar" from the scrutiny of the general public due to successful application of the sub-principle "effective disintermediation"; as such, nobody on Earth has really been afforded an opportunity to "look behind the history" - in a single, primary source compendium - to see how delicate, comprehensive, complex and beneficial conformity science and the "Principles of 'BlockChain'", truly are. Not to mention the painstaking diligent years of maintaining the momentum.

If you, your family, your company or your country is even "thinking" about investing limited sovereign resources and valuable time into the "Principles of 'BlockChain'", "crypto"-anything, "token"-anything and related matters (or want to be an authority on the subject), then learn about its origins, its regulatory-scrutinized, litigation-tested commercial applications of the present-day, and its future. Especially if you are (or will be, one day) employed as a Head of State, Legislator, Policymaker, Regulator, Lawyer, member of "Top Management" (Chief Executive Officer (CEO) or Board Member of a regulated or non-regulated Organization, Academic (student, undergraduate, graduate, doctoral, post-doctoral research), Journalist, Professional Liability Insurer, Investor, Head of a Family Office; or, if you are your normal, everyday person, just curious about the world.

This work of scientific-commercial-regulatory-financial literature is both a public service and an introduction to the foundational body of knowledge that led to the discovery of the "Principles of 'BlockChain'", the birth of binary digit non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments; Binary Digit Financial Instruments or Digital Assets and the Discovery of Conformity Science. It is the foundation of evolutionary digital commerce (a new field of science for the study of the evolutionary (revolutionary, perhaps?) processes related to the discovery of the "Principles of 'BlockChain'" and production of binary digit financial instruments (digital assets), systems, technologies, services and products. The body of evidence - as you would expect from the creator of a system built on principles that creates trust through transparency, immutability, validation, traceability and verifiability - is itself, traceable, verifiable, immutable and transparent. You will not find this content anywhere else. MQCC is the point of origination.

The Bungay Unification of Quantum Processes Algorithm: when Quantum Unification Theory met Commerce. A revolutionary paradigm shift in how commerce is transacted, allowing for realizable quality, conformity and control goals to be achieved; resulting in long term, sustainable inflows of money. And lots of it.

If you agree that the "Principles of 'BlockChain'" offer the utmost level of immutable data (knowledge) veracity, validity, verifiability, transparency, proof and truth; then you will understand the non-trivial implications of this history of the discovery of the "Principles of 'BlockChain'".

Origin of a Specie™: an authoritative encyclopedic reference that only the discoverer of the world's first globally accessible, regulatory-recognized, regulatory-integrated and regulatory-trusted, commercialized "Principles of 'BlockChain'"-based system for the trade in non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments (Binary Digit Utility Tokens for Digital Assets), could write.

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