Creditism

An economic system that accords with reality, reason, and life empowering human potential on a regenerative planet

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How does Creditism achieve our Common Planet?

1. We reclaim our Credit.
We create the credit for the benefit of ourselves in communities, for our own purposes, from our own activities. We shift from debt-money to credit currency, earned based on participation and purpose, not trade and profit.

2. We reclaim our Commons.
We reclaim all common capital from private to communal ledgers, moving from ownership to stewardship of shared resources and cooperatives. This shift allows for sustainable and efficient management of our common assets.

3. We reclaim our Purpose.
We align our actions with shared values and long-term goals, prioritizing purpose-driven projects that uplift communities and enhance well-being. Instead of chasing profit, we invest in initiatives that build a thriving, sustainable society.

These shifts decentralize power by redistributing decision-making and resource management. Creditism restructures our economic foundation, fostering abundance while permanently eliminating debt, poverty, and warfare.

The Situation (click to read)

We are trapped in an insane game—one that rewards the most destructive behaviors and elevates those who perpetuate and exploit the system. Capitalism devours the biosphere, eroding the very foundation of life on Earth. Continuing down this path while expecting different results is madness. We need a new game—one that changes how we interact with each other and the planet before our self-terminating system collapses entirely.

To understand the new game we propose, we must first recognize the flaws of capitalism. It has one singular focus: the endless accumulation of capital. Everything becomes a commodity—life’s essential resources, the land we live on, even our labor and creativity. The game’s currency? Credit—abstract units of value, disconnected from human needs, and driving real-world consequences.

The objective is simple yet devastating: extract, hoard, and trade. Players compete to amass resources, land, labor, and credit in an endless cycle of accumulation. It’s a game of profit without purpose, wealth without satisfaction. Personal desires, the greater good, and human connection are sacrificed to that relentless pursuit.

In capitalism, your worth is measured by what you own and how effectively you can trade it. A select few hoard vast fortunes while the majority are left struggling, mere pawns in a rigged system. Trade or starve becomes the motto. Accumulation is rewarded, while cooperation and compassion come in second, at best.

We’ve normalized that madness; an insanity we’ve accepted as inevitable. But it doesn’t have to be that way. We stand at a crossroads, where the path we choose will determine the future of all life on Earth. The time has come for a new game—one that nurtures instead of destroys, that unites instead of divides.

Now imagine the game proposed by Common Planet, In this new game, the objectives and rules fundamentally change. Instead of private over public good we align them, and the focus shifts from trade to participation.

Welcome to Common Planet, where we dare to imagine and build a different way of living. Where resources are shared, not hoarded. Capital is stewarded, not owned. Labor is contributed, not sold. And Credit is distributed to all, not controlled by a few.

The goal is no longer accumulation, but nurturing and participation. Success is measured by how well we care for our shared resources and how actively we participate in our communities. The competitive drive to capture is replaced by a cooperative effort to sustain and improve. Every action becomes an opportunity for self-actualization and to contribute to the well-being of all.

Shifting from ownership to stewardship means that instead of fighting over scarce resources, we collectively manage them for the benefit of all. Moving from trade to participation means that instead of exchanging our labor for survival, we contribute our skills and passions to a system that already meets our basic needs.

Common Planet’s new game of life creates a world where the accumulation of power through capital is replaced by the empowerment of all through shared resources and universal access to credit. It’s a game where everyone can be a meaningful player in. game that belongs to all of us.

Common Planet’s game transforms our world from one of scarcity, competition, and inequality to one of abundance, collaboration, and shared prosperity. This is more than an economic shift—it’s a new way of living and relating to each other and the planet. In this game, everyone can win. Common Planet marks the end of debt and the beginning of infinite possibility.

The Basis

Program a distributed, global, unhackable, backupable, private-public, decentralized Holochain network database (The Structure), write it with algorithms for the allocation of Credit (currency) that value existence and spontaneous cooperative self-determination (Ontological Governance), encourage people, communities, organizations, and cities to create their accounts (The Changing), crowdsource populating the ledger through gamification with a record of all global production, capital, and resources (The Play For The Commons), use the Credit we’ve always created amongst ourselves to interact with one another and the world under rules that value existence and mutually assured evolution (Common Planet).

COMMON PLANET

Life

With a new Flow currency, Creditism ensures everyone gets access to life’s essential resources—free from banks, debt, or taxes. This system eliminates poverty and restores sovereignty by replacing masters with empowered communities.

Liberty

Common Planet is a world of people choosing where to live, work, and play based on their passions and skills, not financial pressure. Life becomes a game of choices, where votes and Credit serve as tools for expression, not control. A world of true social and economic democracy.

Love

Creditism enables communities to build and steward shared resources together through open technology. Through this shared creation of common wealth, we find connection, belonging, and an end to conflict.

Life

Guaranteed Housing
Distributed Credit currency guarantees access to life’s resources
End of poverty, theft, & war

Liberty

No debt, taxes, or masters
Live, work, & play anywhere you want on Earth
Start a co-op with free access to communal resources

Love

Open, collaborative network
Communities steward shared resources
Express yourself with fluid, direct democracy
Prioritizes sustainability

Frequently Asked Questions

What is Common Planet?

Common Planet is a nonprofit advancing Creditism, an evolutionary economic system. It replaces debt-based money with Credit currency and shifts common resources to community stewardship. These changes distribute both economic power and access to resources more broadly across society. By decentralizing control over shared resources and currency creation, it eliminates debt, taxes, inequality, and scarcity while ending poverty and warfare. Common Planet believes an open, truthful, data-sharing community is the necessary foundation for human thriving.

At its core, Common Planet values:

Sovereignty: Individual empowerment and self-determination.
Opportunity: Equal access to resources and opportunities for all.
Stewardship: Responsible resource management for present and future generations.
Community: Collaborative decision-making and shared responsibility for collective well-being.

Who Manages the Digital Infrastructure?

Decentralized technology like Holochain manages digital infrastructure without central control. Each person’s private ledger has just three simple elements: Personal Credit, Community Credit, and Possessions. This open system, verified across a distributed network, replaces today’s complex web of banks, corporations, and hidden transactions while ensuring security and easy backup of all information

How Does Decision-Making For Sustainability Work?

Common Planet embeds sustainability into its core, ensuring that environmental stewardship is integrated into every economic decision. Unlike capitalism’s focus on short-term profits, Creditism operates through a dual approach: democratic voting for resource management and Credit rewards for sustainable practices. This makes environmental protection a central economic activity, transforming our relationship with nature from exploitation to regeneration and aligning planetary health with community prosperity.

The model combines two systems of collective choice-making: democratic voting for group rules and governance, and Community Credit (CC) for economic decisions. These systems work together across all scales, from local clubs, co-ops, and schools to regional councils and global bodies. Voting units are weighted by stake and impact, creating a unified framework for collaborative resource stewardship and social coordination. This ensures transparent, fair decision-making throughout society, fostering a sustainable and inclusive future.

How Does the Credit Currency System Work?

Credit currency in the Common Planet system operates on two levels: Personal Credit (PC) and Community Credit (CC). Every individual on Earth receives a PC account, with an initial allocation of Credits times age. Personal Credit allows people to access goods and services in the Market, with Credits deleted when used. Simultaneously, communities receive monthly CC for collective needs, infrastructure, and shared resources.

The Credit system is digital, transparent, and not debt-based. Credits are continuously distributed as Universal Basic Income (UBI) and as recognition for participation and purposeful activities, ensuring a stable economic flow. The system is mathematically designed to maintain economic stability and prevent inflation or hoarding. Importantly, credits cannot be transferred, stolen, or inherited, promoting equitable gameplay and distribution across generations. This dual approach balances individual needs with community growth, fostering both personal autonomy and collective responsibility within the Creditism framework.

Who Manages the Credit Currency System?

It’s a decentralized user-driven model within a local and global product market pricing system. Each person has a Personal Credit account, allowing them to directly input their Credit activity through the app to claim their currency. Most activities are group-based, making them easy to verify and confirm.

At worst, someone might try to claim a bit more Credit than they’re entitled to. If caught, they face fines. But even this is minimal compared to the rampant exploitation under capitalism—think theft, bribery, coercion, and far worse. In Common Planet, what’s the risk? Stealing a car or kidnapping someone? For what? Digital Credit currency? It’s non-transferable without a legitimate exchange of goods, and any attempt to misuse it would be easily traceable, effectively incriminating the offender.

What About Jobs & Income?

Common Planet envisions a shift in how we define work and earn a living. Traditional jobs, as we know them, will evolve. While some sectors may disappear or contract, especially those driven by profit at the expense of people and the planet, new opportunities will emerge in areas prioritizing community well-being, sustainability, and creativity.

In this system, you earn Credit in two main ways: by actively contributing to projects that benefit society—like efficient production, education, arts, and local agriculture—or through a Universal Basic Income (UBI) of Credit. This UBI ensures everyone has a basic level of economic security, while contributions to the community can increase your earnings. The focus shifts from working solely to survive, to meaningful participation that enriches both individuals and communities.

What About Housing & Hotels?

In Common Planet, housing and hotels shift from being an investment to a utility managed by caretakers. When transitioning to this system, homeowners become caretakers of their primary residence, with all existing mortgages, insurance, and taxes eliminated. Their previous home equity converts to more “Personal Credit” (PC), the system’s currency.

For those with multiple properties, options include:

– Keep as vacation properties, with all existing debts, insurance, and taxes eliminated, however, no equity converts.
– Resell back to the community, converting net equity into more PC.
– Corporate-owned properties become community-managed Commons under local democratic control

All Houses and hotels are rated 1-10 like iMdb does. Housing access works through a “Housing Level” (HL) rating system (1-10) based on past lived experience. Your HL determines which available homes you can choose from. You can improve your HL by:

– Using PC to purchase a higher level
– Spending PC to upgrade your current home
– Maintaining good caretaking practices

Neglecting property maintenance reduces both the home’s rating and your HL. This system ensures universal housing access while encouraging responsible stewardship. Local communities decide how to allocate housing for various needs (primary residences, temporary stays, vacations) using transparent data management tools.

How is Common Planet Implemented?

We begin by educating people about Creditism, deepening their understanding of the system, followed by running economic simulations to refine and optimize the approach.

The transition can proceed through two complementary pathways:

1. Grassroots Network Building: Developing a decentralized global network on the Holochain protocol, where members collaborate to manage Credit allocation and map real resources. This network enables coordination of shared activities, with member participation and gamification driving widespread adoption.

2. Policy Reform: Collaborating with Nations to integrate Creditist principles into policy frameworks.

Both strategies aim to unite humanity as one family, sharing and sustaining a Common Planet.