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 (collective oversight) using needs-based modelling that enhances the existing (corporate) 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 basic components:

Karmic Credits

A regenerative needs-based trading currency acting as a worldwide dual currency; with preloaded accounts and a 6-digit limit.

BRICS - Bonds

A global financial service governed by the people using population numbers to create the number of bonds.

Central Banks

Manage the allocation of bonds for each elected Govt, to be returned to BRICS to promote Govt responsibility.

This framework further addresses the symbiance between global, country and the people's financial needs, 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 practical and unique ways, solving the main issues of 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 global financial service issuing global-bonds 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 participating countries are bound. This creates stability and trust and protects both local and global trade.

03.

Central
Banks

Responsible government spending and reduced cost annual budgets provided by Karmic credits drives election term accountability. Government projects that cannot be completed within an election period would require all registered politicians to agree that this spending is approved, as it will affect future elected term financials.

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 are allocated in 100k units. Bond issuance is capped by population numbers using a bond in-out ledger.
  • Karmic Credit accounts are debt-free and prefilled with 275,000 Kc and accounts are limited to 1 million Kc.
  • Central Banks allocate and manage government spending where the bond amount must be returned to BRICS at the end of each government term.
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 are no interest, fees or charges, nor do we offer periodic payments or loan facilities.

Karmic Credits belongs to the Collective with a purpose to end poverty, but it can also act as a true Reserve Currency because it is flexible enough to be valued differently in every country due to the IMF still holding relevance.

This flexibility solves the BRICS Unit problem of trading 60/40% local currency/gold which would allow every country to trade without being stuck with a country's currency that nobody wants.

BRICS -Bonds are not related to these debt-based trades. They also belong to the Collective and are managed by BRICS multipolar standing to act in the interests of the collective, giving out the bonds freely and getting back the bond equivalent in gold, silver, cash or land to the people.Money in money out.

BRICS-Bonds on Governments
  • Efficient Financial Operations
    • Limits on bond allocation are based on population numbers to ensure fair and equitable distribution.
    • Sovereign central bank allocations are managed and must be replaced, promoting development spending without creating long-term debt burdens.
    • Karmic credits are responsive with no interest fees, periodic payments, or loans, making financial processes simpler and stress-free.
  • Economic and Social Benefits
    • This 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 no longer responsible for people’s health, social security and welfare, nor do they need to offer aid packages.
    • Governments will be fully responsible for their term in office, as bond allocations must be replenished for the incumbent party.
  • Global Stability and Collaboration
    • By emphasizing ethical imperatives and fostering inclusivity, the framework strengthens trade relationships and enhances trust in financial markets.
    • A collective reserve promotes social equality, reduces incentives for conflict and encourages economic security.

Overall, this framework not only supports financial and government efficiency but also contributes to revitalizing towns and cities from slums and soup kitchens, reducing social disparities and helping to restore peace and prosperity.

BRICS

Gold, as a tangible asset, provides intrinsic value and security, reducing dependency on unstable financial markets. Vulnerabilities in fiat currencies forced BRICS to use weights of gold (1kg=100k Usd) in its 60/40 settlements to ensure a more stable unit of exchange which could be universally recognized by BRICS member countries, however the inclusion of Community (Karmic) Credits to replace fiat vulnerabilities with collective stability would provide the perfect solution to fortify trade relations.

The adoption of this framework completes the BRICS approach to addressing monetary and governance challenges globally. By focusing on responsible management of shared resources and embedding ethical practices, this framework strengthens domestic economies and fosters broader integration of diverse national interests. The completed BRICS model has the potential to benefit the whole of humanity under a collective umbrella that removes all suspicion from BRICS members.

As countries move away from unipolar to multipolar, no country wants the burden of being the reserve currency. China has been thrust toward this role and America doesn't want to let it go, but to truly remove this burden, the Collective is the one to shoulder this responsibility, and we have BRICS members who want what humanity wants. A stable financial system void of war.

Financial Markets

Adopting Community (Karmic) Credits provides mankind with a global financial framework that acts in the interests of the people and corporate concerns. A needs-based and debt-based money supply supports a reality where A.I and robotics are taking menial and sophisticated jobs. Relying on government handouts, investing for survival and praying that your superannuation is going to be large enough to retire becomes much less important.

Existing financial markets have changed, with bursts in Bond markets expected (no buyers), Share markets using machines to trade (A.I trading houses), Derivative market now selling bank liability to Super Funds (the Big Short), and Currencies, Gold, Tariff wars, Energy wars and the like, are all reaching their breaking point at the same time.

Humanity is waking up, and we stand at that precipice again, ready to fall off and start all over doing the same thing and regurgitate our past, or we can open our eyes to a new world with new opportunities, new revelations, and new possibilities that we may have only glimpsed in our dreams.