Loan-Granting Closed-Circuit Credit

Protocolo Monetario Descentralizado

An institutional monetary protocol in which a cooperative bank issues non-convertible credit to member businesses against collateral, circulating exclusively within a closed circle of members. The credit is pegged 1:1 to the national currency for accounting but is structurally distinct: it cannot be exchanged for national currency, and circulation is bounded by membership. Prototype: WIR Bank (Switzerland).

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Detalles

Licencia Closed source — proprietary banking software.
Estado de Desarrollo 🟢 Activo
Detalle del Estado de Desarrollo Released — over 60,000 SME member businesses; CHF 1+ billion annual circulation.
Propietario WIR Bank Genossenschaft (cooperative bank).
País Switzerland.
Año de Inicio 1934
Stack Proprietary banking infrastructure.
Financiamiento Cooperative member capital; profitable banking operations.
Última Investigación 1 jul 2026

Dominios de Caso de Uso

Evolución de Plataformas y Soberanía

Protocolo Monetario Descentralizado Atributos

Orígenes Depression-era credit mutualization; Gesellian monetary reform tradition (though WIR itself diverged from mutual credit).
Formatos de Datos Standard banking ledger formats; WIR-Franc denominated accounts.
Términos Cooperative membership required; member dues; loan terms per cooperative rules.
Fondos Approximately CHF 4+ billion in total balance sheet (recent figures).
Basado En Original architecture; differs from Gesell's mutual credit theory through its loan-granting design (Blanc and Rogers analyses).
Permisos Membership-based; loans subject to cooperative bank credit assessment.
Contrato Inteligente No — institutional implementation.
Herramientas de Desarrollo Not applicable — closed institutional system.
Madurez del Protocolo / Estandarización Production-grade; ninety-year operational history.
Marco de Confianza Cooperative bank institutional reputation; collateral requirements; member governance; Swiss banking regulation.
Dominio de Aplicación Objetivo SME-to-SME credit clearing; counter-cyclical business credit; cooperative finance.
Posición de Aceptación del Juego Modify-Additive — operates alongside Swiss Franc; designed for indefinite coexistence.
Régimen de Acumulación Enables (uncapped principal) but limited by non-convertibility — accumulated WIR-Francs can only circulate within member network.
Mecanismo de Coordinación Bounded-trust at entry (member admission); price-aggregation within member circle.
Modelo de Emisión Algorithmic plus collateral-based — bank issues credit against collateral; not peer-to-peer mutual credit.
Tipo de Señal de Valor Single rational unit pegged to Swiss Franc.
Patrón de Federación None — single closed circle; non-convertibility constrains federation.
Independencia de Sustrato Institutional / off-chain native.