Inspired by Switzerland's 89-year-old WIR Bank system, Karma Cash transforms eligible tax credits into a digital, transferable community currency — offering a third path beyond raising taxes or cutting services.
A structured path from self-discovery to collective impact — finding your ikigai through the Golden Joinery.
Self-Discovery
Ikigai Assessment identifies skills, passions, and values. AI-driven algorithm suggests personalized volunteering pathways.
Volunteering Quests
Quests across Earth Stewardship, Community Care, Creative Healing, and Skill-Based Service. Earn Karma Cash based on time, skill level, and impact.
Reflection & Growth
Impact Journal documentation and Community Circles for shared insights. Periodic Ikigai reassessments refine purpose.
Golden Joinery
Pool Karma Cash for large-scale collective projects. Global Dashboard tracks cumulative impact across communities.
The Third Path: beyond raising taxes or cutting services, Karma Cash offers communities a counter-cyclical mechanism inspired by the Swiss WIR Bank — where usage increases 20-30% during recessions, providing alternative liquidity when traditional credit dries up.
Top 10 currencies ranked by monetary sovereignty — demonstrating that the resources are real, the money is infinite.
| Rank | Currency | Rating |
|---|---|---|
| 1 | USD | 10/10 |
| 2 | CHF | 9/10 |
| 3 | NOK | 8.5/10 |
| 4 | SGD | 8/10 |
| 5 | CNY | 8/10 |
| 6 | SEK | 8/10 |
| 7 | JPY | 7.5/10 |
| 8 | GBP | 7/10 |
| 9 | KRW | 7/10 |
| 10 | EUR | 6.5/10 |
"The federal government doesn't spend 'taxpayer money.' It spends first, then taxes. The only true constraints are real resources — labor, materials, technology — and inflation. Not digits in accounts."— Stephanie Kelton, MMT Framework
From concept to deployment — tracking the evolution of the Karma Cash ecosystem.
Structured four-phase journey — The Compass, The Journey, The Mirror, The Legacy — enabling individuals to discover their ikigai through the Golden Joinery.
Social networking platform where constructive criticism and positive feedback replace toxic engagement. Purpose Discovery Tools, Volunteering Marketplace, and Community Circles.
Complementary community currency earned through volunteering, skill contributions, and mentoring. Vintage bonuses incentivize long-term holding. 10-1000 KC per activity.
Illinois-based infrastructure bank — Community Infrastructure Fund, Purpose-Driven Investments, and Karma Cash integration with local businesses.
MMT-grounded argument that monetary sovereignty — not digits — determines deficit spending capacity. Top 20 currencies ranked by sovereignty.
20 target counties with budget tracking, Capital Flight Calculators, and tax credit recovery projections. $20B+ in annual capital flight identified.
MVP targeting 3-5 pilot municipalities with 50-100 community organizations. Municipal Tax Credit Integration and Swiss WIR-inspired counter-cyclical mechanics.
Stop Fuckin Around. Start Building Sovereignty.
Low-interest loans and grants for renewable energy, urban farming, and co-op housing.
Investment portfolios focused on sustainable development and social impact.
Partnerships with local businesses to accept Karma Cash as complementary currency.