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<p style="color: red; font-weight: bold">>>>>> gd2md-html alert: ERRORs: 0; WARNINGs: 0; ALERTS: 1.</p>
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<ul style="color: red; font-weight: bold"><li>See top comment block for details on ERRORs and WARNINGs. <li>In the converted Markdown or HTML, search for inline alerts that start with >>>>> gd2md-html alert: for specific instances that need correction.</ul>
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<p style="color: red; font-weight: bold">Links to alert messages:</p><a href="#gdcalert1">alert1</a>
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<p style="color: red; font-weight: bold">>>>>> PLEASE check and correct alert issues and delete this message and the inline alerts.<hr></p>
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## Community Inclusion Currencies (CICs)
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While a CIC could exist on any smart-contract-enabled blockchain, many blockchains charge high fees for executing transactions to the network. In order to trade effectively in marginalized communities, transaction fees must be minimized, which is why we are using the POA.Network blockchain, an Ethereum-based platform that offers an affordable open-source framework for smart contracts. POA leverages an independent group of block validators who maintain the transaction records and who are all licensed public notaries around the United States, which increases security while enabling a method of governance on the blockchain (Barinov et al., 2017). POA Network is a scalable, secure and cost effective solution for enabling CICs for micro, small and medium businesses. For more information visit [https://poa.network/](https://poa.network/). In order to connect Kenyan CICs to DIA we are using a version of POA that has a native DAI token: xDAI ([https://poa.network/xdai](https://poa.network/xdai)).
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<p id="gdcalert1" ><span style="color: red; font-weight: bold">>>>>> gd2md-html alert: inline image link here (to images/CIC-White-Paper0.png). Store image on your image server and adjust path/filename if necessary. </span><br>(<a href="#">Back to top</a>)(<a href="#gdcalert2">Next alert</a>)<br><span style="color: red; font-weight: bold">>>>>> </span></p>
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![alt_text](images/CIC-White-Paper0.png "image_tooltip")
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### 2.4 Price Stability and Continuous Liquidity
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As blockchain related markets have demonstrated in recent years, the adoption of a currency by a community _can_ create new wealth for that community, which further increases as the currency adoption grows. This model dictates that the community currency’s price will fluctuate according to the adoption trend which can be contradictory to the need for price stability in a currency.
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