With $2 Trillion dollars in unmet financing need and the growing power of elective economies, the Digital Reserve offers a inclusive Peer to Peer payment, lending system and responsive monetary policy. This economic system is designed to maximize its economic value through the active balancing of incentives. The Digital Reserve Network’s native currency is the Denarii. The Digital Reserve Network (DRN) uses a Cost-Based Proof of Stake system to secure the network. This system alleviates provides a strong incentive for honest network participation and a reserve to back loans. This functionality represents a robust solution that helps to alleviate financial accessibility and provide a methodology for evaluating network productivity . The DRN is an open-source financial services suite. Our goal is to launch the DRN and Denarii as a platform for novel financial products, financial literacy, and lending. The DRN is designed to create a sustainable model for financial inclusion while producing economic incentives for network stakeholders by turning traditional “store of value” into a working asset. The Digital Reserve currently has a partnership with a United Nation’s sponsored credit union in Liberia and is establishing a relationship with a series of Non-profit organizations in Pittsburgh, PA to utilize the network for achieving their mission. To assist with the development of the platform, the Digital Reserve is selling 5% of the initial 6 Billion Denarii tokens of the Genesis to accredited investors using Tokens as a Debt Payable Asset. The network will be developed using the base directed acyclic graph (DAG) architecture from DagLabs Official’s Spectre and Phantom Protocol. In addition, the Digital Reserve Network will also integrate post-quantum cryptographic signatures. Currently the option of Zk-Starks and Winternitz OTS+ are the primary options.