The ultimate goal is to free humanity from the constraints of conventional money by reclaiming the credit commons and establishing direct exchange mechanisms that enable communities to:
We promise to create a system that:
This promise is backed by mathematical principles, historical precedent, and working implementations.
Create a system where goods and services directly pay for other goods and services, without reliance on bank-created or government-issued money.
Ensure that all legitimate trades can occur without artificial shortages of exchange media, enabling true economic democracy.
Establish the foundation for a peaceful, convivial civilization where communities can thrive without exploitation.
We stand at the threshold of the next evolution in exchange—beyond money itself—where mutual credit clearing can transform our economic relationships.
The conventional monetary system suffers from fundamental design flaws that have led to systemic problems. Our Credit Mathematician has identified the following key issues:
Money creation and distribution is monopolized by banks and governments, leaving communities dependent on external entities for their means of exchange.
Nearly all money enters circulation as interest-bearing debt, creating a mathematical impossibility for all debts to be repaid and necessitating perpetual growth.
Despite abundant productive capacity, money is artificially kept scarce, preventing legitimate trades from occurring and contributing to unemployment.
The design of the money system inherently concentrates wealth and power, creating systemic inequality that technology alone cannot solve.
Money has evolved into a mere accounting system—credits and debits in a ledger—yet we treat it as a scarce commodity that must be acquired before trade can happen.
This contradiction between money's accounting function and its commodity treatment is the root cause of many economic dysfunctions.
Moving beyond conventional money faces several systemic conflicts identified by our Implementation Strategist:
| Conflict | Money System | Credit Clearing | Resolution Path |
|---|---|---|---|
| Power Dynamics | Centralized control by banks and governments | Decentralized community governance | Gradual transition through parallel systems |
| Profit Incentives | Interest extraction and financial rent-seeking | Service fees for system maintenance only | New business models for exchange facilitation |
| Trust Paradigm | Trust in central authorities and their currencies | Trust in transparent systems and community reputation | Merit-based systems with verifiable performance |
| Education Gap | Limited understanding of money creation | Requires new paradigms and mental models | Educational initiatives with practical demonstrations |
A particularly challenging conflict exists between the need for standardization (to achieve network effects and interoperability) and the importance of local adaptation and control.
Our Credit Advocate and Exchange Architect have developed a comprehensive credit clearing approach that addresses the fundamental issues with conventional money:
A system where trade occurs through the offsetting of credits and debits, without the need for a separate exchange medium. Every sale creates credit for the seller and a corresponding debit for the buyer.
Each participant has a credit limit based on their capacity to provide value to the community, their past performance, and their participation in the system.
Our Implementation Strategist has developed a practical roadmap for transitioning to credit clearing systems:
Develop clear educational resources explaining credit clearing principles
Identify and connect communities of practice interested in alternative exchange
Create open standards for credit clearing systems
Implement B2B credit clearing systems in specific industry sectors
Establish community exchange systems in geographic regions
Gather performance metrics and refine system design
Connect separate credit clearing systems into larger networks
Develop federated governance models for multi-scale systems
Create seamless bridges between conventional money and credit clearing
Connect with our expert agents to learn more about specific aspects of credit clearing: