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The Insumer Model™
Tokenized. Recognized. Rewarded.
Turn Consumers into Stakeholders with Blockchain-Powered Equity
Revolutionize your business by transforming customers into invested partners. The Insumer Model™, created by Douglas Borthwick, leverages blockchain technology to offer tokenized equity, aligning business success with customer loyalty.
What is the Insumer Model?
The Insumer Model™ represents a paradigm shift in business-consumer relationships. By transforming consumers into stakeholders through blockchain technology, businesses can foster unprecedented loyalty while simultaneously raising capital.
This revolutionary framework allows companies to offer tokenized equity to their customers, creating a shared interest in business growth and success. When consumers become "insumers" with skin in the game, the traditional business model evolves into a collaborative ecosystem.
Enhanced Customer Loyalty
When customers own a piece of your business, they're incentivized to support its growth through continued patronage and word-of-mouth marketing.
Alternative Capital Raising
Access new funding streams by offering equity tokens to your most dedicated customers, bypassing traditional venture capital constraints.
True Alignment of Interests
Create perfect harmony between business objectives and customer satisfaction through shared ownership and transparent value creation.
Meet Douglas Borthwick
Douglas Borthwick is a Wall Street veteran with decades of experience in financial markets and investment strategies. His innovative thinking has led to the development of the Insumer Model, which bridges traditional business structures with cutting-edge blockchain technology.
As an accomplished author, podcast host, and business strategist, Douglas has dedicated his career to creating more equitable financial systems that benefit both businesses and consumers.
Innovator
Pioneered the concept of consumer-to-stakeholder transformation through blockchain technology.
Author
Creator of "The Insumer Model" and "Your Equity in Your Pocket" and "Tokenized Tomorrow" books, explaining tokenized equity frameworks for businesses.
Podcaster
Host of the "Old Men New Money" podcast, exploring innovative financial models and blockchain applications.
How The Insumer Model™ Works
Business Tokenizes Equity
Companies create blockchain-based tokens that represent fractional ownership in their business, backed by real equity.
Consumers Receive Tokens
Customers earn or purchase tokens through patronage, loyalty programs, or direct investment in the business.
Stakeholder Transformation
Token holders become "insumers" with vested interest in the business's success, creating a cycle of loyalty and growth.
Shared Value Creation
As the business grows, both the company and its insumers benefit from increased token value and potential dividends.
Key Milestones in the Insumer Revolution
1
2019
Douglas Borthwick introduces the Insumer Model concept at blockchain industry conferences.
2
2020
Launch of the first security token IPO utilizing the Insumer Model for consumer-stakeholders
3
2025
The GENIUS Act proposal to create regulatory frameworks for tokenized securities and consumer ownership.
4
2025
Publication of "The Insumer Model" and "Your Equity in Your Pocket" available on Amazon
5
2025
Expansion of the model into multiple industries including retail, real estate, and fitness sectors.
The Insumer Model™ continues to gain traction across industries as more businesses recognize the potential of transforming their customer relationships through tokenized equity sharing.
Industry Applications
The Insumer Model's versatility allows it to revolutionize business-consumer relationships across numerous sectors. Here's how different industries are implementing this groundbreaking approach:
Retailers offer equity tokens to regular shoppers, creating "owner-customers" who receive both shopping benefits and financial returns from company growth.
Property developers tokenize ownership, allowing renters to gradually build equity in their living spaces through continued residency.
Gym members receive ownership tokens based on membership longevity, creating financial incentives for continued fitness commitment.
Educational Resources
  • "The Insumer Model: Turning Consumers into Stakeholders" by Douglas Borthwick
  • "Your Equity in Your Pocket: The Future of Business Ownership" by Douglas Borthwick
  • "The Insumer Revolution in Real Estate" on Substack
  • "The Insumer Revolution in Retail" on Substack
  • "The Insumer Revolution in Fitness & Wellness" on Substack
  • "Old Men New Money" podcast series exploring blockchain innovations
Benefits for Businesses & Consumers
For Businesses
Increased customer retention and lifetime value through stakeholder alignment
Alternative funding source that bypasses traditional venture capital constraints
Built-in marketing network as insumers promote businesses they partially own
More predictable revenue streams from committed insumer-stakeholders
Valuable consumer data and feedback from highly engaged insumers
For Consumers
Financial benefits through equity appreciation and potential dividends
Enhanced loyalty rewards tied to actual business performance
Greater transparency into business operations and decision-making
Opportunity to build a diversified portfolio of micro-investments
Voice in company direction as a stakeholder with voting rights
Featured Media
Explore these resources to deepen your understanding of the Insumer Model and its potential applications for your business.
Explainer Video
Watch our Masterclass on Digital Securities and Tokenization with Charlie Shrem.
Podcast Episodes
Listen to Douglas Borthwick discuss the future of tokenized equity on the Real Vision podcast.
Join the Insumer Revolution
Ready to transform your business model and create deeper connections with your customers? The Insumer Model offers a framework for sustainable growth that benefits both companies and consumers through shared ownership.
Sign up for our newsletter to receive the latest updates on Insumer Model implementations, regulatory developments, and success stories from businesses embracing the consumer-to-stakeholder transformation.
Follow Douglas Borthwick on social media for daily insights into the evolving landscape of tokenized equity and blockchain applications for business.

Contact us directly at douglas@skyemeta.com to discuss how your business can implement the Insumer Model.