Loan-Granting Closed-Circuit Credit

Protocolo Monetário 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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Detalhes

Licença Closed source — proprietary banking software.
Status de Dev 🟢 Ativo
Detalhe do Status de Dev Released — over 60,000 SME member businesses; CHF 1+ billion annual circulation.
Proprietário WIR Bank Genossenschaft (cooperative bank).
País Switzerland.
Ano de Início 1934
Stack Proprietary banking infrastructure.
Financiamento Cooperative member capital; profitable banking operations.
Última Investigação 1 de jul. de 2026

Domínios de Caso de Uso

Evolução de Plataformas e Soberania

Capacidades

Administração transparente

Protocolo Monetário Descentralizado Atributos

Origens Depression-era credit mutualization; Gesellian monetary reform tradition (though WIR itself diverged from mutual credit).
Formatos de Dados Standard banking ledger formats; WIR-Franc denominated accounts.
Termos Cooperative membership required; member dues; loan terms per cooperative rules.
Fundos Approximately CHF 4+ billion in total balance sheet (recent figures).
Baseado Em Original architecture; differs from Gesell's mutual credit theory through its loan-granting design (Blanc and Rogers analyses).
Permissões Membership-based; loans subject to cooperative bank credit assessment.
Contrato Inteligente No — institutional implementation.
Ferramentas de Desenvolvimento Not applicable — closed institutional system.
Maturidade / Padronização do Protocolo Production-grade; ninety-year operational history.
Estrutura de Confiança Cooperative bank institutional reputation; collateral requirements; member governance; Swiss banking regulation.
Domínio de Aplicação-Alvo SME-to-SME credit clearing; counter-cyclical business credit; cooperative finance.
Posição de Aceitação do Jogo Modify-Additive — operates alongside Swiss Franc; designed for indefinite coexistence.
Regime de Acumulação Enables (uncapped principal) but limited by non-convertibility — accumulated WIR-Francs can only circulate within member network.
Mecanismo de Coordenação Bounded-trust at entry (member admission); price-aggregation within member circle.
Modelo de Emissão Algorithmic plus collateral-based — bank issues credit against collateral; not peer-to-peer mutual credit.
Tipo de Sinal de Valor Single rational unit pegged to Swiss Franc.
Padrão de Federação None — single closed circle; non-convertibility constrains federation.
Independência de Substrato Institutional / off-chain native.