Universal Schedule is developing a distributed ledger smart technology for incentives, rewards, and pricing – built with a financial technology infrastructure platform to bring together consumers, small business retailers, manufacturers, and subsidizers. Early commercialization efforts are in regional travel and local eCommerce. R&D is directed towards privacy-compliant, next-gen blockchain technology. As distributed ledger is a cross-cutting, emerging technology – it enables us to be able to grow into sectors that include energy, healthcare, food insecurity, and social-impact areas of curbing carbon emissions. We have surveyed business models using our technology for these sectors using lean startup methodology.