A world where
housing is guaranteed.Where income begins with existence.Where your life belongs to you.

We’re building a different economic system:one designed around life, liberty, and love.Not debt, extraction, and survival.

Creditism

It starts with

Count me in
Founding Phase closes Dec 31, 2026 →
Watch the Common Planet story · 3:04 minRemzi on why we’re designing a different economy, and how you can help build it.

What Creditism is for

Security changeswhat’s possible.

A secure home. Purchasing power for life. A say in what your community builds. Creditism brings these together in one economic design.

Life

Your needs, met. A guaranteed home and baseline Credit, simply because you exist. Room to rest, heal, learn, and spend your time on what matters to you.

Liberty

Choose your work, your place, and your path, without debt or the fear of losing life’s essentials deciding for you. Help write the rules your community lives by.

Love

Time and space for one another. Build relationships, care for your community, and steward the living world together. Belonging and shared purpose become part of everyday life.

the destinationCreditism

where we beginAYU

the nonprofit behind bothCommon Planet Foundation

How Creditism works

Debt is “I owe you.”Credit is “We need you.”

Creditism issues purchasing power to people and communities: a baseline because you exist, more for what you contribute. When Credit buys something in the Marketplace, it is deleted. It never becomes the seller’s balance: their work is recognized separately.

The Creditism circuitInside the Ledger of Life, Credit is issued to people and communities, held, and deleted when it is spent in the Marketplace. Goods, access, and information come back to people, and contribution is recognized separately through new issuance.Ledger of Lifewhat exists · its condition · the claims on itcalibrates issuance01IssuanceIssued.no loan behind it02HoldersHeld.for as long as you like03MarketplaceDeleted.nobody collects it04ReturnRecognized.work credited on its own

Contribution creates new Credit. Your purchase deletes it.
Two separate events. One economy built around life.

Issued
5
Deleted at use
0
Outstanding
5supply steady
Issuance rate

A place to start

Be counted.Help decide how it works.

AYU means Life. It’s where people come together to build and test Creditism. The secure home and baseline Credit described above are where this leads. AYU doesn’t provide them yet.

Count me inFree to apply

days · weeks left. The Founding Phase closes December 31, 2026.

First Points are highest until then.

What happens after you apply

  1. Raise your hand. Apply free with just your name, email, and country.
  2. Verify you’re you. The team follows up with an invitation. You confirm your identity through Aura / BrightID, a privacy-first way to show you’re one real person.
  3. Start shaping it. Claim your First Points and collect Weekly Points. Then sign the declaration, help shape governance, and map what we have: possessions, homes, regenerative projects, and skills. Refer friends for more. Your personal ledger stays private.
1,500for verifying you’re human+3,000First Points90Weekly Points

Your early participation may be recognized through member discounts, events, special access, and other opportunities as AYU grows.

Points cannot be sold or used as money. AYU Credit comes later, when the network is ready for it.

Ask the hard questions

Skeptical?Good.

The design is open to scrutiny. Here are a few places to start.

Ask Creditism Sage

AI guide · Opens in ChatGPT

Is this already a working economy?

The full system has not been tested. AYU is building the identity, trust, and participation layer first. Joining today helps develop it; it does not replace your existing income or provide the housing envisioned in full Creditism.

Can I save Credit for later?

Yes. Credit can stay in your account for future use. It is deleted when you spend it, not because time has passed. Saving it creates no interest or claim on someone else’s work.

Who decides what counts as contribution?

The design calls for public, democratically revisable contribution rules. Verification, appeals, and their practical details need to be developed and tested through AYU.

What could make this fail?

Verification becoming surveillance. Scarce resources allocated through coercion or favoritism. Issuance and prices poorly calibrated to productive capacity. Governance directing work toward things people don’t need. Modeling and pilots must test these risks.

Explore the transition →

Every economy is designed.Help design this one.

Our team is building AYU, testing Creditism’s design, and bringing people into the network.

Member

For everyone

Start with an application. We’ll send the next steps. The Founding Phase closes December 31, 2026.

Count me inFree to apply

Partner

For projects & organizations

Connect your project with people working on commons, care, culture, governance, and open tools.

Apply to partnerFree application · Personal review

Patron

For supporters

Help bring AYU to life and make room for more people to join.

Fund the buildSee what your contribution supports

Still exploring? Read the essays or subscribe on Substack.

AYUPlanetary Play for Life