41 Financial literacy and education in Cooperative Economics for the underserved and neglected communities on stock asset building, capitalization of businesses and leveraging cash-flowing real estate assets through stock creation. Crowdfunding to Wall Street by using the Jobs Act Legislation to empower small businesses and non-accredited investors who were previously denied access to private companies and capital markets at a wholesale level. Real Estate, Finance, Fintech, and a multi-faceted fintech institution (REIC) Real Estate Investment Cooperative.