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The Konkrete Company: FAQs


Konkrete : FAQs

We do our best to be informative and transparent. Here are answers to questions most everyone asks and/or needs answers to...


Frequently Asked Questions

YES! The Konkrete Company is a Christian business initiative AND a ministry. The work we are undertaking as an incubator to help build the Konkrete Economy and Financial Ecosystem is being provided as a much needed service to The Church. More importantly, the work we are doing together, collaboratively, in the marketplace with all of our Konkrete Colleagues, no matter whether for-profit or philanthropic, is a ministry initiative strictly of The Church, by The Church, and for The Church. We have fixed our focus squarely on Jesus Christ, and have set out purposefully to begin doing things which are necessary in this world in a manner that is in keeping with His Holy Character, Nature and Purposes. As such, we are strengthening the Christian Community and enabling The Church to better care for others in a God-honoring manner. In other words, we are people of The Church (Christians) actually joined together and committed to being The Church (the Body of Christ) as we live and work and minister to others as The Church (in Christ)all day, everyday.

  • Because, if you are a Christian, you know you always need to further exercise your Faith and better put it into Biblical action.
  • Because, if you are a Christian, you know we all have a much greater responsibility to our Lord, everyone in The Church, and the entire lost and needy world around us.
  • Because, if you are a Christian, you know the value of Love, Mercy and Grace, and you want to share it with others, very abundantly.
  • Because, if you are a Christian, you want to be part of The Church and God’s Ministries moving forward, not part of the religious status quo or the “ministries” of men that continue to fail our Lord and everyone on earth.
  • Because, if you are a Christian, you know it is the right thing to do and the right time to do it, no matter who you are or what church fellowship you might attend.
  • You, if you know God loves you and that He has wonderful plans for your life!
  • You, if you sincerely love Jesus, and you truly desire to be a vital part of His Body ‐ The Church!
  • You, if you are genuinely willing to minister to others and to help others fulfill their Spiritual Calling!
  • You, if you know you are not complete in and of yourself, and you want help fulfilling your Spiritual Calling!
  • You, if you want to hear, “Well done my good and faithful servant…” one day soon!
  • “Christians” who are just too busy or afraid to take part in The Church as a whole, or who do not want to look any different than the rest of the world.
  • “Christians” who act like and/or think they are better than others who are Brothers and Sisters in Christ.
  • “Christians” who are too consumed with “their ministry” to participate corporately in God’s Ministries
  • “Christians” who are complacent, or who are uninspired to grow, serve, or be a good and loving example before others.
  • “Christians” who are unwilling to change, do new and exciting things, adhere to Biblical standards, or speak God’s Truth in Love and Grace.

NOTE: Though every genuine Christian should want to take part in the Konkrete initiative, we know some Christians may never be able to become a Konkrete Colleague for reasons that are just between them and the Lord. However, we also know that no genuine Christian would ever want Jesus to describe them negatively or as depicted above. So, if you find your spirit challenged by any of these descriptions, please take time now to pray and ask Him to show you what He wants you to do to begin drawing closer to His Heart and to better live out His plans for your life. Also, if you would like to speak privately and confidentially with one of our Konkrete Chaplains about this, please know that we would love to serve you in that way. Just send an email to chaplain@konkrete.co and one of our Chaplains will personally reach out and help minister to you.

REMEMBER: We are all Family, and we are all in this together. We must stand as ONE BODY, in Christ!

The Church, the Body of Christ, most certainly belongs to Jesus Christ, and to Him alone. So, The Konkrete Company obviously belongs to Jesus Christ too, for it is an organization and ministry of The Church, by The Church, and for The Church. Thus, the Konkrete Company is NOT owned by any one person or group of persons.

To honor this reality, while also complying with the legal requirements of the world we live in today, we organized the Konkrete Company via a nonprofit corporation in the State of Wyoming. All aspects of the Konkrete Company, including all its subsidiaries and operating groups, are under the spiritual management and oversight of a Board of Trustees. Our Trustees are faithful, mature Christians charged with holding us to strict Biblical Standards and making honorable and just decisions in the best interests of the Company and all its Colleagues, as we all collaborate and work together to advance this business and ministry initiative.

For the sake of discretion and humility, we generally do not publicly advertise nor promote who the Konkrete Company’s leaders are. However, all Konkrete Colleagues have ready access to such leadership information, plus company bylaws, operating agreements, etc. upon submitting an application for registration. As Christians, we routinely practice discretion as a matter of wisdom, but we also freely practice total transparency with those who want to collaborate with us and respond to the Lord’s call as Konkrete Colleagues.

NOTE: It is the right thing to do, so we also provide an unconditional 30-day money back guarantee to all new Colleagues who register with the Company. We certainly want you to learn that you may place great confidence in us, just as we hope to learn that we may place great confidence in you – simply because we should all have a shared confidence in the Lord Jesus Christ dwelling within each of us. So, rest assured, if you are in any way dissatisfied with any aspect of the Konkrete Company, we will make things right by you.

The Konkrete Company is both a Christian business and a Christian ministry. As such, the incubator we and our Colleagues collaboratively operate is designed to develop both Christian business and ministry initiatives. Because the things we do as Christians are supposed to be done in a Godly manner unlike the worldly ways that everyone else works, however, we are intentionally building our own, separate Konkrete Economy and Financial Ecosystem

Practically everything in this world requires us to use money and finances, so we are focused intently on developing and growing new, Rock Solid™ financial businesses as part of this new Economy and Ecosystem. Those businesses will include a national mortgage company, a national insurance company, a national bank or federal credit union, and more, designed specifically to serve The Church. In the ministry arena, we are primarily focused on undertaking philanthropic endeavors where the need is literally too great for anybody but The Church (united and working together) to successfully address.

Working together in very large teams is the unique way in which we operate the Konkrete Incubator. We know that large teams of Christians (who are financially, mentally, and spiritually vested) in each Konkrete undertaking will ultimately help bring monetary tools and resources, experience, creativity, specialized skills, and much more to the effort. Then, as the Company and all our Colleagues continue to work together, we will have the necessary capacity to obtain any additional professional services needed (i.e., for legal/compliance; accounting/auditing;  consulting; licensing/training; executive/management; and other support).

Such is the power of The Church (the very Body of Christ) when it is united physically as well as spiritually, instead of being divided and distracted by the ways of the world.

That depends. How committed to Jesus Christ and The Church are YOU?

God has already Blessed every Christian with every spiritual blessing in Christ (see Ephesians 1:3). and granted to us absolutely everything that pertains to life and Godliness as partakers of His Divine Nature (see 2 Peter 1:3-4). The problem is that too many Christians have NOT been busy and faithful in working out these things which are our salvation with ‘fear and trembling’ (see Philippians 2:12-13).

Looking forward, however, if YOU are prepared (truly ready, willing, and able) to work with the Konkrete Company and to encourage and work with all of our Colleagues to accomplish that which the Lord has given us to do together with one another, then we believe you will realize a return from your equity participation interests in a relatively short period of time. [NOTE: We touch a little more on this topic in our Whitepaper.]

Think of it like this: Nothing that we are planning to do has not already been done before by others. We are just redoing these things the right way, for the sake of Christ and The Church. Also, none of these things have ever been undertaken before with the strength of character, financial capacity, or mobilizing power of The Church backing it. So, if anyone else has ever done it before, then you know we can do it again, together, through the Konkrete Company – bigger, better, faster, and with far greater potential returns. We just have to be wise, faithful, and consistent in all that we do.

We are financing this undertaking the only way The Church should undertake any endeavor. That way is debt free and together as we are lead and empowered by the Holy Spirit to do so.

Konkrete® is essentially one massive (global) Christian crowdsourcing project (initially being launched from North America/USA). In crawl, walk, run fashion, Konkrete Colleagues’ help launch new Konkrete team collaborative initiatives by paying annual membership fees and one-time NBU/NPU subscription fees. Thereafter, legally structured, follow-on private placements may be offered to participating Colleagues and other faithful investors around the world to help provide any interim capital needed to underwrite early development and growth phases. Finally, wholesale IPO financing, etc., supported by the Christian Community at large may be raised to fund future growth and long-term expansion. This is a simple equity-based system…one that is run with honor and integrity, for that is the Konkrete Way.

As you consider these things, remember that we are literally building a whole new Konkrete Economy and Financial Ecosystem by working together in this manner. Our intent is to significantly expand the global scope and supply of capital and other financial resources available to honorable persons of Faith and Integrity who naturally desire to participate in various business and ministry opportunities that create socially responsible wealth and/or use financial management tools designed for the benefit and betterment of Mankind and this Earth. In this day and age, we believe Christians everywhere, including you, will want to take part in that.

NOTE: Nobody likes it when big-box retail stores siphon money out their community and local area economy. Why? Because of inequity. Such inequity hurts small and locally-based businesses. Likewise, we who desire to be good Christian stewards do not appreciate the inequity that results when God-given resources are forcefully drained out of the Christian Community into the sinful world around us through corrupt business practices, inflationary monetary policy, unjust taxation, usury interest rates, and financial penalties, etc. Working together, we can stop and even reverse such inequity. How? By building and maintaining a sophisticated, God-honoring Economy and Ecosystem that is of The Church, by The Church, and for The Church.

DISCLAIMER: The Konkrete Company of North America, LLC operates this website. We are neither a funding portal nor a broker-dealer. At the appropriate time, 4(a)(6) offerings, if any, will be conducted via third-party funding portals registered with the United States Securities and Exchange Commission (SEC) and as a member of the Financial Industry Regulatory Authority (FINRA). Upon reaching future critical-mass development of a NBU or NPU, certain sections of this website will also be operated by third-parties that will conduct 506(c) or other securities offerings, if any, as a broker-dealer registered with the SEC and as a member of FINRA. The Konkrete Company of North America, LLC and these companies do not and will not provide any investment advice or make any investment recommendations; no communications or materials on this website should be construed as such.

The Konkrete BlockChain Environment is an integral trust system that will be built into the Konkrete Digital Network to help bind everything and everyone together within the Konkrete Economy and Financial Ecosystem. NBUs and NPUs will be connected to the BlockChain Environment via master nodes. Vast numbers of Colleagues around the world will help administer the BlockChain Environment via service nodes. The BlockChain environment will provide the Company with programmatic, decentralized, immutable, recordkeeping capability that is, by design, practically impossible to seize, dismantle, or destroy. 

This structuring will help protect the Company, our Colleagues and The Church from outside forces that seek to interrupt or harm us economically, as we continue to separate ourselves from the world in order to better serve and minister to those still oppressed by the darkness and corruption of the world’s economic system.

The short answer to this question is YES. However, we cannot and will not initiate a cryptocurrency until we are able to do so both legally and in a fully compliant regulatory manner. That should soon become easier to do in the USA, but the regulatory environment is still quite unstable. At present, this poses significant risk to crypto developers and users alike. As such, we are unable to discuss our plans further at this time, except to say that: (1) we have studied the situation indepth, and (2) when we launch our Konkrete Cryptocurrency initiative, we believe it will be significant and vastly superior to existing platforms. Working together, the Konkrete Company and its Colleagues will bring honor and integrity (and thus great STABILITY) to this innovative new financial tool as well.

NOTE: The Church around the world needs Konkrete®, so we will obviously expand relatively soon to other nations. Thus, we are not limited to working on such a project in the USA only. If it becomes necessary to do so, we can and will seek to initiate our cryptocurrency development plans in one or more other jurisdictions.

Concrete is a humble, but very versatile building material. Konkrete is much like concrete in that regard. You can build a lot of great things with Konkrete, IF you understand how it is to be used properly…

NOTE: The following excerpt is taken from the Konkrete Whitepaper:
Every individual Christian should be Rock Solid™ like concrete – very closely following and imitating the One, True and Only Solid Rock, Jesus Christ, into Whose Holy image every aspect of our lives has been spiritually molded and poured, and “cemented” together into Oneness with Him. Though a man’s physical life and fleshly heart is hard and imperfect, we as Christians have been given a new spiritual nature and heart that tends to mature in a good way over time, just like actual concrete, becoming more and more Rock Solid™ every day as we grow to look more and more like our maker. Since this is true for each of us as individuals, our Christian works should be Rock Solid™ as well, which is why we chose to adopt the Konkrete® branding scheme. Plus, we chose to spell our brand name using the letter ‘K’ because Rock Solid™ Konkrete Christians should look and act quite differently from that of the world.

Given that everyone around the world is generally familiar with concrete and cement, international Believers should more easily understand our Konkrete story, more readily relate to us, and desire to unify with us in this initiative. Being just like us, we know they too are eager for new opportunity, to finally be treated as equals, and to help support and advance Christianity by creating a new set of financial tools and resources specifically for the Christian Community.

We expect that Konkrete will begin to expand throughout the rest of North America in 2022. We will begin that process of expansion once we have registered the first 30,000 Colleagues in the USA. Soon thereafter, Konkrete will cross the Atlantic and Pacific Oceans and expand further around the globe.

To become a Konkrete Colleague in the United States, you must be an individual that is 18 years old or older, have a valid Social Security Number or Individual Taxpayer Identification Number, a proper U.S. mailing address, and a suitable debit card, credit card, or bank account to fully complete the online registration process.

NOTE: Similar requirements will exist when registering as a Konkrete Colleague in other nations as well. They are necessary to comply with government requirements, banking laws, and other regulations.

In response to this question, we will present the essential, Biblical doctrines (teachings) of the Christian Faith for everyone, but especially for anyone who is a new or young Disciple of Jesus Christ. There are many other important doctrines, but they will not be not presented here. Although many other doctrines may be important, they do not qualify as essential doctrines of the Christian Faith.

As Christians, we must stand firmly on matters regarding essentials of the Faith. On this, there must be unity. On matters of nonessentials there must be freedom. Every Christian must be free to hear, move, and grow as the Spirit of God leads them, without fear of ridicule or condemnation from others who may hold to a differing position on nonessential doctrine.

According to the example and teaching of our Lord Jesus, in all matters there must be LOVE!

• • • • •


There is only One True and Living God – the Creator, Redeemer, Sustainer, and Ruler of all. He is infinite, eternal, and unchangeable, and He reveals Himself to us as the Father, the Son, and the Holy Spirit.

God the Father – God, as Father, reigns over all of His creation with providential care. He is all-powerful, all-loving, all-knowing, and all-wise. He is fatherly in attitude to all mankind, but Father indeed to those who have become Children of God through Jesus Christ, who will deliver them into the Father’s hands.

God the Son – The Lord Jesus Christ, the eternal Son of God, became a man without ceasing to be God, having been conceived of the Holy Spirit and born of a virgin in order that He might reveal God and redeem sinful man. He provided our redemption by voluntarily giving Himself as a sinless, substitutionary sacrifice on the Cross, thereby satisfying God’s righteous judgment against all sin. After substantiating the accomplishment of both redemption and justification by His bodily resurrection from the grave, He ascended to the right hand of the Father, where He now intercedes on behalf of all those who have placed their trust in Him as Savior.

God the Holy Spirit – The Holy Spirit is the Divine Person who convicts the world of sin, righteousness, and judgment. He alone brings new Life to those who are spiritually dead. He baptizes all Believers into the one true Church, which is the Body of Christ. He indwells them permanently, seals them unto the day of final redemption, bestows spiritual gifts upon them, and fills and controls those who are yielding to Him. Every Believer is called to live in the power of the indwelling Holy Spirit so that they will not fulfill the lusts of the flesh, but rather bear fruit to the glory of God.

Mankind was created by and in the image of God. God created the heavens and the earth, including all life, by a direct act.

Although man was created in the image of God, he fell into sin and is spiritually lost. This is true of all mankind, and except a man be born again by the Holy Spirit, he cannot enter the Kingdom of God.

Satan is a real being, the author of sin, and the reason for the fall of Mankind. The devil is destined to the judgment of eternal punishment in the lake of fire.

The Lord Jesus Christ was crucified and died for our sins according to the Scriptures as a substitutionary sacrifice, and all who trust in Him are redeemed by His shed Blood. Three days later, Jesus was resurrected from death and the grave. He is alive today and has ascended to Heaven, where He is now our High Priest and Advocate.

Salvation is the gift of God’s Grace. It cannot be gained or made more secure by meritorious works, but is freely bestowed upon all who put Faith and trust in the finished work of Jesus Christ at Calvary. All who place their trust in Jesus are forgiven of their sins and are reborn into the Family of God by the regenerating work of the Holy Spirit.

All Christians have a Holy calling to walk not after the flesh but after the Spirit, and to live according to the power of the Holy Spirit within us, so that we will not fulfill the lusts of the flesh. The flesh is never fully eradicated in this life. Individuals must choose to keep the flesh in subjection to Jesus Christ through the power of the Holy Spirit, or it will surely manifest its presence in our life and dishonor the Lord.

2 Timothy 3:6 tells us that all Scripture is given by inspiration of God. This means the whole Bible is inspired by God, and that Divine inspiration extends equally and fully to all parts of Scripture. The whole Bible is therefore, without error. Scripture centers around the Lord Jesus Christ in His person and work, and in His first and second coming. Therefore, no portion of the Old Testament is properly read or understood until it leads to Christ. All Scripture is designed for our practical instruction.

Until the return of Jesus, it is every Christian’s duty and privilege to seek the fulfillment of Jesus’ Great Commission and to minister in His Name to a lost and needy world. We are all to be instruments of Jesus Christ as the Holy Spirit ministers redemption and reconciliation to the world.

These Truths are the most basic, indispensable, fundamental teachings found in Scripture, and should be personally accepted in Faith by all true Christians regardless of their choice of denominational or religious affiliation!

The Konkrete Company is apolitical. As such, we have NO political affiliation and we take a politically unbiased stand on all societal matters. We faithfully perform our duties and prayerfully cast our votes, not according to the flesh, but as we are led by the Holy Spirit. We do this recognizing that The Church – literally the “Body” of Christ – must not continue to walk and talk and look like the rest of the world with respect to society and politics. We are called to a much higher standard.

So, we ask all our Colleagues to also take a consistent, Rock Solid™ stance as they yield themselves each day to the leading of the Holy Sprit and mature in their relationship with Christ. Moreover, we ask all of our Colleagues to learn to rise above the fleshly trappings and evil division caused by societal and political labels as “republican,” “democrat,” “independent,” “capitalist,” “socialist,” “progressivist,” “elitist,” or “populist.”

We are CHRISTIANS! Period.

Being Christian requires that we stand for Truth, Justice, Honor, Integrity, Love, and Grace in all things, as does our Lord and Savior. 

Just know this: Jesus Christ is the Holy standard by which we must measure all things, and it is from His perspective that Konkrete seeks to speak to others and to influence the world around us. So, YES, the Konkrete Company expects ALL Colleagues to work together, with us and with one another, to positively influence and impact the world for Christ by both word and actionWe are all called to be faithful LEADERS by Godly example.

A genuine Christian ethic is based on both God as Creator and mankind made in His image as Holy stewards over the Creation with which He has Blessed us. So, we take our Christian responsibility as caretakers of this planet very seriously. In fact, the green color in our logo reflects both the command to “GO” from the Great Commission as well as the “green nature” of our Christian ethics as ordained servant-stewards.

Perhaps the most potent way we plan to go about purposefully protecting and properly stewarding our planet is through Godly land planning and conservation efforts, which we all will undertake together – as The Church – as we expand our God-given role to pursue agricultural and other initiatives to help feed the world, expand access to clean water, and help do our part to produce clean energy. Ideally, although It may be a small thing, it should also be noted that the Konkrete Company also continually strives to be a “paperless” company. No matter whether the impact is great or small, we will always strive to do that which is honorable in all that we do – to be Rock Solid™.

First of all, just get involved! Become a Konkrete Colleague and subscribe to one or more of our NBU and NPU teams! It is absolutely crucial that everyone participates and does their part. Together, we are strong!

Then, when you have Godly ideas or suggestions to make, please know that we want to hear them. Such shared and collaborative input is necessary and always welcome!

In addition, should you have capital or other resources that may be used to help advance or expand the collaborative impact that the Konkrete Economy and Financial Ecosystem will generate for The Church, then we want to discuss those opportunities with you, too. We are more than willing to do all we can as God directs our paths, so we are always completely open and available to contract for the provision of expanded services for The Church. To that end, resources and donations may always be provided to the Konkrete Foundation (pending) or through your local church to help advance, accelerate, or expand the benefits we are all working on together for the advancement of the Kingdom of Heaven and The Church.

The Konkrete Company ‘s network of collaborating Colleagues only grows via person-to-person referrals. In other words, your success and ours – as The Church – in building the Konkrete Economy and Financial Ecosystem via the Konkrete Business and Ministry Incubator System is entirely dependent on active participation. So, everyone’s first duty as an active participant in this effort is to help refer other Christians who will also become new Konkrete Colleagues. Some will make a few referrals simply by introducing their friends and family and known acquaintances in The Church to the Company. Others will choose to make referrals in a full- or part-time capacity to earn commission-based income.

IMPORTANT NOTE: Referrals may only be made to other Christians you personally know or that you have taken adequate time to speak with personally regarding their testimony. It is incumbent upon every referring Colleague to only make a referral when persuaded that the prospective Colleague is a genuine member of the Body of Christ. Refer to the Company’s Legal Terms and other literature for further guidance on this matter, especially if you plan to use any form of advertising to generate leads.

Regardless of whether you choose to make just a few or a great many referrals, we offer a minimum commission of 20% for all new Colleagues referred to the Konkrete Company (subject to our Marketing and Compensation Plan and Legal Terms). The referral commission rate increases to 25% after your first 5 referrals are paid, and to 30% after your first 10 referrals are paid. In addition, Colleagues may earn residual commissions during the lifetime of their account on subsequent renewals and subscriptions made by all persons they initially refer to the Konkrete Company.

All new Colleagues (and all who register as part of the Konkrete Clan) are enrolled in our referral-based marketing program and are eligible to earn referral commissions. To be paid referral commissions, however, all Colleagues must first register with our Payouts Service. Our Payouts Service: (1) verifies your bank account details and connects to your debit card or bank account (ACH) information; (2) forwards all payments due; and (3) sends out all 1099-MISC tax forms reporting your commission earnings.

Commissions become eligible for payment one full month in arrears in order to accommodate our 30-day refund policy/money-back guarantee. All commission amounts earned (following the 30-day refund period) totaling at least $100 are released to our our Payouts Service for payment on the first business day of each month. Lessor amounts earned are withheld until you have at least $100 in total payable commissions available. Once released, earnings are normally received by Colleagues within 3 to 5 days in the USA.

Absolutely NOT!

We simply choose to use a modest referral compensation system rather than wasting huge sums on paid advertising, etc. Our Colleagues do not have to accept the referral commissions they EARN, but they are available when needed. We must all learn to be good stewards in all things, and this is a very honorable and just (Rock Solid™) way to reward our Colleagues for helping the Konkrete Company grow.

NOTE: You should consider the fact that AAA (American Automobile Association) also uses a referral compensation system called “Refer a Friend” and that absolutely nobody would ever accuse them of being a pyramid or MLM scheme. It is just GOOD Business.

Unlike the elite and ruling classes of the world who continually work to EXPLOIT and MANIPULATE you and your private information to enrich themselves, the Konkrete Company is only willing to use digital means like machine learning and artificial intelligence for Godly purposes. As is the case with most technology, the use of artificial intelligence is not inherently evil in and of itself. In the hands of The Church, such tools can actually be used with great honor and integrity to help all the members of the Body of Christ find better ways to work and minister together with one another much more effectively and efficiently. So, we do plan to use them, as we are able, in service of The Church.

The fact is that things like artificial intelligence and machine learning are here to stay. Thus, it is critically important that we, The Church, do our part to ensure these kinds of systems are used properly for the Glory of God and to advance His Kingdom rather than just sitting idly by and letting the rest of the world use them in corrupt and carnal ways that are ultimately destructive or that run counter to the benefit of ALL mankind and the planet.

15There is gold, and an abundance of jewels; But lips of knowledge are a more precious thing.

[Proverbs 20:15; NASB; Emphasis added.]

15The mind of the discerning acquires knowledge, And the ear of the wise seeks knowledge.