An Integrated Model for Ethical and Scalable Global Finance

New Monetary System

Guiding Principles for a New Financial Framework

A New Earth requires not only technological innovation but a deep re-evaluation of values, priorities, and the very purpose of economic activity. Any new global financial framework must be anchored in principles that serve humanity and the planet alike.

This new financial framework introduces needs-based modelling that enhances the existing debt-based model.

Framework Introduction

The proposed needs-based financial system is a transformative model that integrates ethical incentives, demographic alignment, and technological advancements to enhance local and global economic stability. This framework is designed to address critical challenges in scalability, equity, and harmonization across nations while promoting long-term sustainability. It uses 3 components

Karmic Credits

A needs-based trading currency acting as a dual currency in every country; transactions limited to 1 million Kc

BRICS - Bonds

A population controlled global sovereign bond provider watched over by all countries to ensure global stability

Central Banks

The continuation of the debt-based sovereign banks to receive and return sovereign bonds within each election period.

This framework further addresses geopolitical pacts and limits rogue governments from breaking important agreements or sanctioning countries for political reasons.

Framework Operations: What changes?

Each of these components solve the many financial concerns in unique ways, with the main issues being stability and trust.

01.

Karmic
Credits

Each account is preloaded with 275,000 Kc and has a 6-digit, 999,999 Kc limit, and what this does is spread the currency far and wide, boosting local and global trade, and ending poverty which is number 1 on the UN agenda. Each person can now fend for themselves, and money is secondary to the people’s needs.

02.

BRICS
Bonds

BRICS – Bonds is a plus and minus global accounting system limited by population numbers. It neither profits nor controls but instead acts as a global financial umbrella to stabilize the new financial framework, for which all countries have an equal say. This creates stability and trust and protects local and global trade.

03.

Central
Banks

Responsible government spending and reduced cost annual budgets provided for by Karmic credits drives election term accountability built under population numbers. Projects that cannot be completed would require all registered politicians to agree that this spending is approved, as it will affect future elected terms.

What A.I says

By integrating these components, the framework aims to foster a self-sustaining economic ecosystem that values community well-being over individual accumulation. The seamless interaction between Karmic Credits, BRICS-Bonds, and Central Banks is designed to prevent bottlenecks and ensure that resources circulate efficiently among all participants. Transparency and participatory oversight are embedded at each level, reducing the risk of corruption and promoting widespread engagement in economic decision-making.

  • BRICS-Bonds control bond numbers and allocate bonds in 100k units. BBs allocate bonds per country which are capped by population numbers using a bond in-out ledger.
  • Karmic Credit accounts are limited to 1 million Kc. KCs in personal names generate the BBs.
  • Central Banks’ bond numbers are limited by population number. CBs receive the bonds and must return the bonds when their investment pays off, so there is always some to borrow.
Flow

Karmic credits are regenerative, money is born when an account opens, and it dies when the balance attempts to go past its 6-digit limit. There is no interest, fees or charges, no loans to repay, and no processes for periodic payments.

In combination, Karmic credits operation is unimpeded, poverty and hardship is ended, people are protected, and local trade, lives and livelihoods improve.

BRICS controls bond allocation which is capped by the country’s population number. They use a transparent plus-minus ledger, allocating bonds from thin air, retrieve bonds from outgoing elected parties and reissue bonds to newly elected parties to use.

Sovereign central bank allocations have limited use. They are free but must be replaced so there is always more spending and profiting that can happen without the accumulation of debt upon a nations people, making each Govt responsible for its term in office.

Money flows downward from Central banks to BRICS-Bonds to Kc, but not the other way around.

BRICS-Bonds on Governments
  • Efficient Financial Operations
    • Limits on bond allocation based on population numbers ensure equitable and transparent distribution
    • Sovereign central bank allocations are capped and must be replaced, promoting ongoing investment and spending without creating long-term debt burdens.
    • Karmic credits are regenerative with no interest fees, periodic payments, or loans, making financial processes simpler and stress-free.
  • Economic and Social Benefits
    • The framework eradicates poverty and hardship by ensuring resources are always available to borrow and utilize.
    • It promotes local trade and improves lives and livelihoods, fostering economic stability and growth.
  • Encouraging Government Accountability
    • Governments are responsible for their term in office, as allocations must be replenished to maintain funding for future use.
  • Global Stability and Collaboration
    • By emphasizing ethical imperatives and fostering inclusivity, the framework strengthens trade relationships and enhances trust in global investments.
    • Promotes social equity, reducing incentives for conflict and encouraging constructive dialogue internationally.

Overall, this framework not only supports financial and governance efficiency but also contributes to global stability, economic growth, and the reduction of social disparities.

BRICS

BRICS uses gold in its settlements to ensure a stable and universally recognized medium of exchange that is not subject to the fluctuations and vulnerabilities of fiat currencies. Gold, as a tangible asset, provides intrinsic value and security, reducing dependency on traditional financial systems dominated by specific nations or regions. This promotes financial independence, fortifies trade relationships among member states, and supports the group's objective of creating a more balanced global economic framework outside US influence.

The adoption of this framework by BRICS represents a different approach to addressing monetary and governance challenges globally. By focusing on responsible management of shared resources and embedding ethical practices, it strengthens domestic economies and fosters broader integration of diverse national interests. This model has the potential to contribute to a more unified and resilient international financial system.

As countries move away from the USD toward the RMB as the reserve currency, BRICS-Bonds becomes a shared bond holding for all countries, each having an equal say in economic and financial affairs, without empowering one nation above the others. Using weights of gold as part of sovereign central bank currency exchanges rather than the value of gold removes the instability of price fluctuations.

Financial Markets

As society adopts Karmic credits, investing for survival becomes unnecessary, stabilizing company shareholdings over time. This change allows more diverse investment portfolios, reducing dependency on certain products. Gold's role in international settlements strengthens global debt systems against external shocks. The BRICS initiative supports sustainable practices and equitable monetary policies, promoting innovation and addressing systemic inequalities. This evolving framework could guide other coalitions in redefining economic relationships, fostering mutual respect and stability, and ushering in a balanced global economic order.