"Private-money" is just another term for PayCredits.

PayCredits are USD-pegged units on the ValueCache platform, that a business (the issuer) can issue into existence.

When you present PayCredits to a business as payment, the business is contractually obligated to accept the PayCredits it issues on an "as-good-as-cash" basis per contract terms.

It is important to note that only the business that issues the PayCredits is responsible for the accepting it as payment. We do not guarantee that any business would honor its obligation, or be in business when a PayCredits holder seeks to spend it at the issuer. It is up to the holder of the PayCredits to ascertain that they can be spent at that the business that the holder intends to spend it at.

If you have a PayCredits balance for a specific business, and you want to spend a portion of that balance to pay that business, you create a Charge Code against that balance.

The business accepts the payment by submitting the Charge Code and your ValueCache ID to the ValueCache platform, then your PayCredits balance is adjusted downwards by the amount spent through that Charge Code.

Yes, they do expire.

PayCredits expire within 12 to 15 months after being issued into existence. PayCredits must be spent before they expire. Sending or receiving PayCredits already in existence does not reset the expiration date. Expired PayCredits are automatically removed from your ValueCache account and revert to being Post Credits.

Any business that accepts USD payments can issue PayCredits.

Deal Credits can be used to pay for things on the three Omnia Value Exchange Systems platforms (CouponBlade, ValueCache, TradeEspresso)

A special category of Deal Credits "Honorary Deal Credits" from time-to-time may be be issued under certain specific special circumstances and they may be used just as ordinary Deal Credits with one exception being that they cannot be used on the CouponBlade Lexa Mall

Generally speaking, Deal Credits can be purchased one of three ways:

>>> they can be purchased with cash (through PayPal)
>>> they can be purchased with Veons (coming soon...)
>>> they can be purchased with Crypto Blend Units (coming soon...)

some of the ways Deal Credits can be used:

>>> on the CouponBlade platform to place bids on PayCredits or other assets on auction
>>> on the CouponBlade platform to purchase PayCredits or other assets being sold, on that platform
>>> on the CouponBlade platform to reserve limited quantity or exclusive coupon
>>> on the TradeEspresso platform to prepay for trade operations
>>> on the ValueCache platform to pay for generating PayCredit Load Accounts >>> to purchase Post Credits

Yes, they do expire.

Deal Credits expire after one year, and become Post Credits (Class A).

PayCredits are issued by businesses. PayCredits can be spent at the specific business that issued them, on an "as-good-as-cash" basis as per contract.

Yes! The TradeEspresso platform is the venue for trading PayCredits issued by one business, for PayCredits issued by another business.

Post Credits are advertising tokens that can be used throughout the Omnia Value Exchange System platforms (ValueCache, CouponBlade, TradeEspresso).

Post Credits are either automatically issued through natural expiration of PayCredits and other digital assets, or they can be directly purchased.

Generally speaking, Post Credits can be purchased one of the following ways:

>>> they can be purchased with cash (through PayPal)
>>> they can be purchased with PayCredits (coming soon...)
>>> they can be purchased with Veons (coming soon...)
>>> they can be purchased with Crypto Blend Units (coming soon...)

Post Credits can be used to bid for posting slots on member community boards, to send messages to other members, and other advertising or posting opportunities as they may arise.

No, they never expire, but they do go inactive after 1 year.

Post Credits never expire; however, they do go from an active status to an inactive status after a period of one year. Once they are inactive they can always get in line to be converted back to an active state. To be used Post Credits mut be in an active status.

Yes, but only by its issuer (that, is, the specific business that issued the PayCredits). The contractual agreement that any issuer makes to be able to issue PayCredits on the ValueCache platform is that PayCredits are to be accepted on an "as-good-as-cash" basis as per contract terms.

Yes! When signing up for a ValueCache account, you have the choice of selecting a ValueCache ID that you specify (assuming it is not already taken). There is a cost for that however. Randomly generated ValueCache IDs are free.

ValueCache is a digital wallet platform that allows businesses to issue PayCredits (like an instant alternative to a gift card system), and accept PayCredit payments.

ValueCache allows members to collect PayCredits from multiple different businesses in one convenient web-based account, and to spend against the PayCredit balances in their accounts. Those same PayCredits can also be traded with other members on the TradeEspresso platform.

ValueCache also allows members to store other digital assets (Crypto Blend Units, Veons, Deal Credits, Post Credits)

It is important to note that ValueCache is not intended for long-term storage of digital assets; most of them (PayCredits, Veons, Crypto Blend Units, Deal Credits) do expire and convert ultimately to Post Credits.

A ValueCache ID is a unique alphanumeric identifier for a member. It consists of:

>>> three non-vowel letters, followed by a hyphen
>>> three non-vowel letters, followed by a hyphen
>>> three number characters, followed by a hyphen
>>> three number characters

If you have a question not listed here, we would like to help you get an answer! Just send an email to info@OmniaVX.com