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Lender-less borrowing – the end of banks

There is no reason to have a lender when you borrow money, you can just borrow from yourself at zero interest. How is this possible? Our view of money and debt has changed significantly in the last 12 years since the GFC. We used to think banks took our deposits of government printed cash and lent them out to borrowers. …

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Fixing the world

Modern Monetary Theory: democratising money Universal Income: Empowering real people Trustless decentralised bureaucracy: decreasing the labour and difficulty in doing simple tasks, and eliminating nepotism. Liquid democratic organisations: Real democracy for shared resources and infrastructure including healthcare Automate: Its still cheaper to exploit cheap workers than to automate, we need to automate all labour and increase leisure and contemplation. If …

Fluid Democratia – decentralised society

Abstract Fluid Democratia is a fully integrated decentralised socio/economic system based on a decentralised ledger. It incorporates a new currency, universal income, P2P lending, currency exchange, Land registry, and liquid democratic resources and infrastructure management. The purpose is to create a parallel system to the current  hierarchical organisational structure. The aim is true freedom with sustainable prosperity.  Unlike other distributed …