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The Insumer Model™
Tokenized. Recognized. Rewarded.
Turn Consumers into Stakeholders with Blockchain-Powered Equity
Discover The Insumer Model™, a revolutionary consumer stakeholder model created by Douglas Borthwick, designed to transform customers into invested partners. This innovative cryptocurrency business model leverages cutting-edge blockchain technology to offer tokenized equity, aligning your business success with genuine tokenized customer loyalty. Unlock the power of digital asset rewards and redefine engagement, driving global growth and deeper connections within your community.
About
Douglas Borthwick: Visionary Leader & Insumer Model Innovator
With an extensive and distinguished career spanning over two decades, Douglas Borthwick stands as a prominent Wall Street blockchain expert and a leading fintech innovator. His professional journey, deeply rooted in significant Wall Street experience, has culminated in his recognition as the tokenization pioneer behind the transformative Insumer Model™. This groundbreaking framework revolutionizes how businesses engage with their customers by converting them into invested stakeholders, leveraging cutting-edge blockchain technology for tokenized equity and genuine customer loyalty. Educated in finance and economics, Borthwick has served in pivotal leadership roles, contributing extensively to the evolution of digital finance. As a respected digital securities operator and cryptocurrency thought leader, he is at the forefront of shaping the future of digital assets and consumer engagement.
Innovator of the Insumer Model™
Conceptualized and developed the Insumer Model, leveraging blockchain for tokenized equity and customer loyalty. Learn more about the Insumer Model on Substack.
Best-Selling Author
As a prolific author, he has penned insightful books that delve into the complexities of finance and blockchain.
Engaging Podcast Host
Hosts a popular podcast, Old Men New Money, offering expert analysis and interviews on emerging trends in finance and innovation.
Connect with Douglas:
How It Works
The Insumer Model: A Step-by-Step Guide to Tokenized Customer Equity
Business Tokenizes Equity
The journey begins with the blockchain tokenization process, where businesses fractionalize their ownership or future revenue streams into digital tokens. These tokens are meticulously created and managed using robust smart contract implementation on a blockchain, ensuring transparency, immutability, and security. Each token represents a direct, verifiable stake in the company's success, fundamentally redefining traditional ownership models and setting the foundation for a new engagement paradigm in digital asset management.
This initial step transforms illiquid company assets into programmable, divisible digital units, ready for distribution to customers.
Consumers Purchase Tokens
Once tokenized, these equity units are distributed to customers through various engagement activities. This forms the core of a decentralized loyalty program, where participation isn't just rewarded with discounts, but with actual ownership. Customers with tokens can obtain discounts when making purchases, providing valuable feedback, actively referring new clients, or engaging with the brand's ecosystem. This innovative cryptocurrency rewards system transforms passive consumption into active participation and direct investment, fostering a sense of co-ownership rather than mere patronage.
This mechanism ensures that loyal customers are directly invested in the brand's performance and growth.
Stakeholder Transformation
As consumers accumulate these digital equity tokens, their relationship with the business evolves profoundly. They transcend the role of mere customers, becoming genuine stakeholders with aligned interests in the company's long-term prosperity. This fosters a deeper sense of loyalty, commitment, and advocacy, moving far beyond traditional customer relationships. The Insumer Model cultivates a community where customers are incentivized not just to buy, but to contribute to and benefit from the brand's success, creating a powerful feedback loop for growth.
This transformation is key to building a resilient and engaged customer base that acts as an extension of the business itself.
Shared Value Creation
The Insumer Model™ cultivates a symbiotic ecosystem where both the business and its tokenized consumers benefit from mutual growth. Enhanced loyalty and advocacy directly drive increased revenue, market share, and brand value for the business. Concurrently, stakeholders benefit from the appreciation of their customer equity distribution as the company thrives, creating a virtuous cycle of shared success. This innovative approach fosters a truly collaborative environment, where customer engagement directly translates into tangible financial returns for all parties involved.
It’s a win-win scenario, where customer loyalty is rewarded with real ownership, and businesses gain deeply invested advocates.
For more detailed questions and answers about the Insumer Model, please visit our FAQ page.
Applications
The Insumer Model™ Across Industries
The Insumer Model™ is a versatile framework designed to transform customer engagement and loyalty across a wide range of industries. By integrating blockchain-powered tokenized equity, businesses can convert passive consumers into active, invested stakeholders. Explore how this innovative model is redefining relationships in key sectors:
Retail Customer Ownership
Transform retail shoppers into customer-owners by offering retail equity tokens and e-commerce ownership shares for purchase. The Insumer Model™ enables customers to buy business ownership stakes and automatically receive exclusive benefits like early product access, voting rights on collections, and profit sharing based on their token holdings. This customer ownership retail model turns every purchase interaction into a long-term ownership relationship, creating brand ambassadors with genuine financial stakes while building unprecedented customer loyalty through ownership-based rewards.
Real Estate & Housing
Revolutionize rental markets with real estate equity tokens that tenants can purchase to build ownership stakes in their properties. Renters can buy property tokens that provide community governance rights, contribute to property upgrades, and offer pathways to partial ownership, transforming monthly housing costs into wealth-building investments. These tokenized housing investments create deeper connections to living spaces while aligning tenant interests with property value appreciation, fostering engaged residential communities where residents have financial incentives to maintain and improve their neighborhoods.
Fitness & Wellness
Transform gym memberships by offering fitness equity tokens that members can purchase to become gym owners. Fitness centers can sell ownership stakes that provide tiered access to premium services, personal training discounts, health product benefits, and profit sharing opportunities based on token holdings. This wellness customer ownership model motivates members to stay active and committed through financial alignment, creating highly engaged fitness communities with tangible returns on wellness investments while building stronger gym businesses through member-owner participation.
Hospitality & Subscriptions
Enhance hospitality experiences by offering hotel equity tokens that guests can purchase for property stakeholder benefits. Visitors can buy ownership stakes redeemable for room upgrades, future discounts, and fractional ownership opportunities, transforming occasional stays into long-term investment relationships. Similarly, subscription service tokenization enables long-term subscribers to purchase platform equity, granting early feature access, product roadmap voting rights, and revenue sharing, significantly reducing churn while deepening customer loyalty through genuine ownership stakes in platform success.
Resources
Douglas Borthwick's Educational Content & Thought Leadership
Dive deeper into the world of the Insumer Model™, blockchain technology, and the future of finance through a curated collection of Douglas Borthwick's insights, analyses, and discussions. This section provides access to his extensive body of work, designed to educate, inspire, and establish his blockchain thought leadership in the evolving digital economy.
Books: Essential Cryptocurrency Business Guides
Explore Douglas Borthwick's seminal works, which serve as invaluable cryptocurrency business books and comprehensive blockchain education resources. They offer unparalleled insights into tokenized equity and the evolving financial landscape, acting as a definitive tokenization guide for professionals and enthusiasts alike.
The Insumer Model™: A Tokenization Guide
This detailed exposition is a premier tokenization guide, illustrating how blockchain-powered equity radically transforms customer engagement and loyalty. Recognized for its innovative approach, it's an essential read for anyone interested in the future of business models.
Your Equity in Your Pocket: Digital Asset Learning
An accessible digital asset learning resource for understanding personal investment and wealth building in the blockchain era. This book demystifies complex financial concepts, empowering individuals to take control of their digital financial future.
Tokenized Tomorrow: Blockchain Thought Leadership
Forecasting the future of digital assets and economic participation, this book offers blockchain thought leadership on impending shifts. It explores how tokenization will reshape industries, governance, and societal structures.
Substack Articles: Blockchain Education & Insights
Stay current with Douglas Borthwick's latest perspectives on blockchain education, finance, and the Insumer Model™ through his regularly updated, insightful articles published on Substack. These pieces provide cutting-edge blockchain thought leadership and practical analysis on market trends, regulatory changes, and technological advancements in the digital asset space.
Old Men, New Money® Podcast: A Leading Fintech Podcast
Join Douglas Borthwick as he hosts engaging discussions with top industry leaders on "Old Men New Money," a premier fintech podcast. This series explores the intersection of traditional finance and groundbreaking new money concepts, offering listeners deep dives into DeFi, digital asset learning, cryptocurrency markets, and the future of global economics. Gain unparalleled insights from leading voices in blockchain thought leadership.
Featured Media: Blockchain Education & Digital Asset Learning
Explainer Videos: Visual Blockchain Education
Access visual guides designed for clear blockchain education, breaking down complex topics like tokenization, digital asset learning, and the Insumer Model™ into easy-to-understand segments for all knowledge levels.
Podcast Episodes: Fintech Thought Leadership
Listen to key episodes of "Old Men New Money" and other featured interviews with Douglas Borthwick. These episodes provide invaluable fintech podcast content and highlight his contributions to blockchain thought leadership.
Blog
Latest Insights from the Insumer Model™
Stay current with Douglas Borthwick's latest thoughts on blockchain, tokenization, and the Insumer Model™ through his regularly updated, insightful articles published on Substack. These pieces provide cutting-edge blockchain thought leadership and practical analysis on market trends, regulatory changes, and technological advancements in the digital asset space.
Unpacking Tokenized Real Estate: The Future of Property Investment
Explore how blockchain is democratizing real estate investment by fractionalizing ownership, enhancing liquidity, and opening new avenues for global participation in property markets. This article delves into the transformative potential of tokenized real estate.
The Insumer Model™ in Action: Case Studies of Customer Equity
Discover real-world examples of how the Insumer Model™ is being applied across various industries to create deeper customer engagement and loyalty through tokenized equity. Learn from successful implementations and their impact.
Navigating Regulatory Landscapes for Digital Assets
Understand the evolving regulatory environment surrounding digital assets and tokenization. This piece provides a comprehensive overview of current trends, challenges, and opportunities for businesses operating in the blockchain space.
Presentation
The Insumer Model™ Interactive Presentation
This comprehensive visual presentation walks through the Insumer Model concept, its benefits, and practical implementation strategies. Dive deep into key topics such as tokenized equity, blockchain customer loyalty, and real-world applications that are reshaping how businesses engage with their customers.

insumermodel.com

The Insumer Model™ Presentation

This comprehensive visual presentation walks through the Insumer Model concept, its benefits, and practical implementation strategies. Dive deep into key topics such as tokenized equity, blockchain customer loyalty, and real-world applications that are reshaping how businesses engage with their customers.

Contact
Get in Touch with Douglas Borthwick and the Insumer Model Team
Ready to join the Insumer Revolution? Whether you're a business looking to implement the groundbreaking Insumer Model™ or an individual eager to stay updated, we're here to connect. Explore the benefits of transforming customer engagement and loyalty through our cutting-edge blockchain consulting services and tokenization implementation, turning customers into invested partners.
Benefits for Businesses
Implement the Insumer Model™ to revolutionize your business by transforming customers into invested partners. Leverage blockchain technology to offer tokenized equity, aligning business success with customer loyalty and fostering a deeper connection.
Benefits for Consumers
As consumers, gain tokenized equity, offering shopping benefits, exclusive access, and a direct stake in the brand's success. Transform passive consumption into active participation and investment.
Stay Connected
Sign up for our newsletter to receive the latest updates, insights, and news about the Insumer Model™ and blockchain-powered equity.
Follow Us
Connect with Douglas Borthwick and the Insumer Model™ community on social media for real-time discussions and updates.
Direct Inquiries & Consultations
For inquiries regarding blockchain consulting services, digital asset advisory, or cryptocurrency business solutions, you can reach out directly via email. We offer remote and in-person consultations by appointment.
Revolutionize Your Business: Partner with Douglas Borthwick
Are you a business interested in tokenization implementation or comprehensive fintech consultation to revolutionize customer engagement? We invite you to explore a partnership that can transform your customer relationships and drive unparalleled loyalty. Douglas Borthwick offers expert guidance tailored to your specific needs.
1
Expert Consultation
Receive specialized digital asset advisory and cryptocurrency business solutions from a leading expert. Our consultations provide strategic insights for implementing the Insumer Model™.
2
Custom Implementation
Benefit from bespoke tokenization implementation strategies designed to seamlessly integrate blockchain technology into your existing business framework, ensuring a smooth transition.
3
Long-Term Partnership
We believe in building lasting relationships. Expect continuous support, performance monitoring, and adaptive strategies to ensure your business thrives in the evolving digital economy.
Our blockchain consulting services are available globally, with flexible consultation options to accommodate your business location and schedule.
FAQ
Understanding the Insumer Model™: Your Guide to Blockchain Equity and Loyalty
Explore common questions about the Insumer Model™, tokenized equity, and blockchain customer loyalty. This FAQ provides detailed insights into how businesses can revolutionize customer engagement and how consumers can gain a direct stake in brands through digital assets.
What is tokenized equity?
Tokenized equity refers to the representation of ownership stakes in a company or asset as digital tokens on a blockchain. In the context of the Insumer Model™, it means customers purchase tokens that represent a fractional ownership or claim in a business, turning them into invested partners. This innovative approach integrates digital asset learning with traditional finance, offering new avenues for participation and value sharing.
How does blockchain customer loyalty work?
Blockchain customer loyalty programs leverage distributed ledger technology to offer enhanced transparency, security, and flexibility compared to traditional systems. Instead of abstract points, customers receive tangible, verifiable digital tokens as rewards for purchases, engagement, or other actions. These records are immutable, meaning they cannot be altered, providing a clear and transparent history of rewards earned and redeemed. Unlike traditional programs with opaque terms and expiring points, token-based rewards offer greater control, potential for transferability, and often represent real value, directly fostering a more invested and engaged customer base within the Insumer Model™.
Is the Insumer Model legal?
The Insumer Model™ is designed with a strong focus on compliance and legal frameworks surrounding digital asset programs and tokenization implementation. Businesses interested in adopting the model receive comprehensive blockchain consulting services and digital asset advisory to ensure all token issuance and equity distribution adhere to relevant regulatory standards in their jurisdiction. Legal considerations are paramount in every aspect of our cryptocurrency business solutions.
What industries can use tokenization?
Tokenization is a versatile technology applicable across a wide array of industries. From retail and e-commerce enhancing blockchain customer loyalty to real estate, media, entertainment, and even intellectual property, any sector that involves ownership, rights, or value exchange can benefit. The Insumer Model™ specifically targets businesses looking to transform their customer relationships and unlock new economic models through tokenized equity.
How do customers buy tokens?
Customers buy tokens within the Insumer Model™ through a regulated process with participating businesses. The benefits can be revealed when making purchases, referring new customers, providing feedback, or actively participating in a brand's community. The specific mechanisms are tailored during tokenization implementation to align with each business's goals and customer journey, ensuring a rewarding digital asset learning experience.
What are the benefits of blockchain rewards?
The benefits of blockchain rewards are multifaceted. For customers, they offer greater transparency, verifiable ownership, potential for value appreciation (in the case of tokenized equity), and enhanced security compared to traditional loyalty points. For businesses, blockchain rewards drive stronger customer loyalty, reduce fraud, provide valuable data insights, and create a more engaged and invested customer base, central to the Insumer Model™'s success.
How secure are digital asset programs?
Digital asset programs leverage the inherent security features of blockchain technology, including cryptographic encryption and decentralized ledgers, which make transactions immutable and highly resistant to tampering. Security is a top priority in all blockchain consulting services and tokenization implementation. Best practices in cybersecurity and robust smart contract auditing are employed to safeguard assets and ensure the integrity of the Insumer Model™ ecosystem.
What's the difference between tokens and cryptocurrency?
While all cryptocurrencies are tokens, not all tokens are cryptocurrencies. Cryptocurrency (like Bitcoin or Ethereum) typically serves as a medium of exchange or store of value on its own dedicated blockchain. Tokens, on the other hand, often represent an asset or utility within a specific project or ecosystem (e.g., tokenized equity in the Insumer Model™). They are usually built on existing blockchain platforms (like Ethereum) and can represent a wide range of assets, rights, or services, going beyond simple currency functions. This distinction is key for digital asset learning.
Still have questions about the Insumer Model™, blockchain consulting services, or tokenization implementation? Feel free to contact us for more personalized fintech consultation.