David Hartley
David Hartley
Location:St Lucia, The Caribbean
Time Zone: GMT -4:00
It is now in St Lucia.
Contact:I would love to hear from you!
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The Adventure in Progress

The adventure has encompassed civil engineering, software for the Accounting Profession throughout the English speaking world, and now Caribbean blockchain initiatives, while experiencing life in 9 countries with many ups and downs in both business and love (4 wives) along the way.

After starting professional life as a civil engineer in Australia with the Brisbane City Council in 1966, my serious computing started in Namibia, Africa, in 1969 with the mathematical modelling of a large river basin using 100 years of rainfall data. To get the job done on the computer available, an ICT 1500, I had to get into the guts of the Fortran compiler - great fun.

After a period back in Australia working with a consulting civil engineering firm, I decided that the computing was more interesting than the engineering, and so started Hartley Computer in 1974, to develop software for the Accounting Profession, as Accountants needed computing but were not into doing it themselves as engineers then tended to be. My colleagues and I developed HAPAS (HArtley Professional Accountants’ System and SHEILA (System by Hartley for Entirely Integrated Ledger Accounting), plus associated systems, ultimately including hardware (the 3900) and operating system too - RT86, a true pre-emptive multi user multi tasking operating system for the 8086 chip, launched in 1980, 15 years before Windows PCs had that capability.

Hartley Computer was one of the first mini/PC computer vertical market successes in the world, with ultimately 250 staff and 3,000 sites in 7 countries. In the process I became known as “the father of computer client accounting”, and we won several awards. The success was killed by hubris and a messy divorce. Big lessons, only partly learned at the time.

Then from 1985 there was Banksia Information Technology (BIT) in Hong Kong which designed and manufactured IT gear (PCs, modems, and the a voice activated fax/phone switch we called PHAXswitch), and more design awards...

And so to the UK in 1993 via Australia and New Zealand, with HAPAS Mark II, named Hartley.Accountant. By 1998, my partners and I in Hartley Computer UK had gained 1,000 Accounting Practice Clients ranging from sole practitioners to PricewaterhouseCoopers.

But in 1999, my then new fourth wife Caramia was diagnosed with Primary Progressive Multiple Sclerosis (PPMS). My partners and I sold Hartley Computer to Sage PLC, so that Caramia and I could move to sunnier Antigua in the Caribbean, which Caramia thought would help her by boosting Vitamin D production, as it did. Caramia was far ahead of the medical profession about the importance of Vitamin D for health generally, and especially for people with MS. She successfully fought the MS, defying the UK doctors' prediction of death within 10 years, only to die from cancer in 2015 in Antigua, after 16 years.

The adventure included a wonderful couple of years in Panama, a period back in Australia at Port Douglas that involved some messing around with forex, MT4 development, and the start of blockchain study, followed by a return to the Caribbean which I had grown to love, initially Antigua and Barbuda, now St Lucia, for formal blockchain study (back to school at 72!), and to pursue new blockchain ventures.

A necessary part of the plans is staying fit and healthy for a long time, involving eating well (much less sugar and carbs, more good fats), intermittent fasting, exercising, sun for Vitamin D, taking my supplements (no meds, NO doctors), and taking advantage of the extreme life extension options becoming available thanks to the fantastic longevity advances in progress, in order to be able to stay the course to see the projects through to completion in a fit and healthy state.

Pacio Pacio

 The new venture is a blockchain startup named Pacio, with Keith Cleland and Trevor Watters joining me as founders.

The Pacio Vision is safe money and free, secure, accessible, fast, accountable blockchain use for all.

Pacio will increase safety online, expand opportunities, return ownership of data to its creators instead of benefiting large centralised corporations, improve productivity, give better bottom-line business outcomes, reduce fraud, and provide better governance everywhere, private and public.

To achieve this, Pacio will add a numbered traceable tradeable cryptocurrency entitled to new issuance rewards named PIO, and a semantic data management and automatic accounting Application Programming Interface (API) for developers, to the scalable zero transaction cost 3rd generation blockchain technology named EOS.

Stolen PIOs will be traceable and recoverable. PIOs will be entitled to a share of newly issued or minted PIOs. These world firsts for any currency, plus zero transaction costs, make PIOs a major advance in the history of money and human interaction.

Then the Pacio API means that developers need not spend resources to do the hard part of developing blockchain and accounting "plumbing", but can use Pacio to competitively build and run secure, purpose driven, fast, free to use applications, apps, and chatbots which people and entities need. Businesses may monetise additional services, as some internet companies do today, but standard operations will not be subject to a transaction fee, unlike with Bitcoin or Ethereum. PIO ownership is needed by a developer to run an application on Pacio, but not for app end users.

For entities, Pacio inside their applications will provide the most significant advance in management since the invention of the double entry system 500 years ago, thanks to blockchain immutability and the contributions by the founders from decades of inventions and development.

Pacio will be attractive to developers and end users alike, resulting in an explosion of applications that will finally deliver the anticipated "blockchain revolution" with mass adoption and growth to billions of users.

An ICO (Initial Coin Offering) will fund the Pacio Foundation, which will organise perpetual ongoing development, nurture the complete Pacio ecosystem, and provide necessary governance in accordance with the Pacio Constitution, to ensure long term adaptation to changing environments and user needs.


As well as Pacio keeping me busy and motivated, every day is exciting with so much of great interest happening in science, economics, and politics with major trend changes in progress as we watch. Yes, we live in very interesting times - long may the adventure continue!


Nudgee State School, Banyo High School, and University of Queensland (B.E. Honours Civil 1966), all in Brisbane, Queensland, Australia.

Then, in 2017, Ethereum Blockchain study via the B9Lab Academy. View Certificate verified on the Ethereum Blockchain.

Public Service

  • Member of the Advisory Council of the (Australian) Commonwealth Scientific and Industrial Research Organisation, 1980-83
  • Founder Board Member (1981) and then President of the Australian Computer Manufacturers’ Association (ACEMA) 1984-85
  • Member of the Electrical, Electronics, and Information Industries Council, 1984-85, a Council providing industry policy advice to the Australian Government
  • Member of Queensland Science & Technology Council, 1983-85, providing industry advice to the Queensland Government
  • Member of the Science & Industries Forum of the Australian Academy of Science, 1983-85


  • 1981 Inaugural “Chips” Award from the Australian Computer Society for Services to the Australian Computer Industry
  • 1983 Australian Design Award for the Hartley 3923 Computer
  • 1986 Hong Kong New Product Award (Electronics) for the BIT PEP range
  • 1987 Hong Kong New Product Award (Electronics) for the BIT PHAXswitch
  • 2003 The Pearcey Hall of Fame (Australia) for “Distinguished lifetime achievement and contribution to the development and growth of the Information Technology Profession, Research and Industry”
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David Hartley

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