Mutual-Credit-on-Blockchain

Protocolo Monetário Descentralizado

A class of monetary protocols that implement mutual credit logic on a blockchain substrate, with trust relationships encoded as on-chain graph edges or smart contract permissions. Circles extends classical mutual credit with personal currencies plus periodic UBI minting per agent; Trustlines implements trust-line-based mutual credit. Prototypes: Circles (Gnosis Chain) and Trustlines Network.

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Detalhes

Licença Libre (AGPL/Apache 2.0 variants). https://github.com/CirclesUBI; https://github.com/trustlines-protocol
Status de Dev 🟢 Ativo
Detalhe do Status de Dev Released — Circles operates on Gnosis Chain with active user base; Trustlines deployed and operational.
Proprietário Circles: Circles UBI cooperative; Trustlines: Trustlines Foundation.
País Germany (Circles); Germany / international (Trustlines Foundation).
Ano de Início 2017
Stack Solidity (smart contracts); Gnosis Chain (Circles); custom blockchain (Trustlines); JavaScript clients.
Financiamento Foundation grants; ICO (Trustlines); ecosystem grants; volunteer development.
Última Investigação 1 de jul. de 2026

Domínios de Caso de Uso

Evolução de Plataformas e Soberania

Capacidades

Intercâmbio não monetário Governança baseada em consentimento

Protocolo Monetário Descentralizado Atributos

Origens Mutual credit revival; UBI advocacy; trust-graph cryptography research.
Formatos de Dados Personal currency token contracts; trust edge data structures; UBI minting metadata; graph-traversal payment paths.
Termos Free participation; gas costs paid by users or sponsored.
Fundos Trustlines: approximately CHF 15M raised in 2018 token sale. Circles: foundation grants undisclosed.
Baseado Em Classical mutual credit theory; Ripple's trust-line concept; UBI literature.
Permissões Permissionless participation; trust relationships encoded as on-chain graph edges.
Contrato Inteligente Yes — implemented as smart contracts on EVM-compatible chains.
Ferramentas de Desenvolvimento Circles SDK; Trustlines clients (mobile and desktop); EVM tooling.
Maturidade / Padronização do Protocolo Community Standard — deployed implementations with published specifications.
Estrutura de Confiança Cryptographic verification; trust-graph topology; smart contract enforcement of mutual credit rules; community vouching.
Domínio de Aplicação-Alvo Personal currencies, UBI distribution, community economic networks, peer-to-peer credit.
Posição de Aceitação do Jogo Modify-Additive — designed to coexist with national currencies and other monetary systems.
Regime de Acumulação Varies by design — Circles adds UBI minting (mildly inflationary per personal currency); Trustlines is structurally limited like classical mutual credit.
Mecanismo de Coordenação Bounded-trust mutual plus algorithmic mechanism design for graph-traversal payments.
Modelo de Emissão Per-agent — each user mints their own personal currency (Circles) or extends trust lines bilaterally (Trustlines).
Tipo de Sinal de Valor Single unit per network in practice; technically plural per-agent currencies in Circles design.
Padrão de Federação Peer-to-peer mesh through trust-graph topology.
Independência de Substrato Blockchain-native (EVM family).