LIANA BANYAN THREE-CURRENCY SYSTEM

Final Specification - December 1, 2025

Core Principle: Equal Value, Different Acquisition

1 Credit = 1 Mark = 1 Joule (in value)

All three currencies are equal in purchasing power but differ in how they’re acquired and what they can purchase.

THE THREE CURRENCIES

CREDITS - Primary Platform Currency

Acquisition:

  • Purchased with fiat currency at current exchange rate
  • Starting rate: $1 USD = 1 Credit (arbitrary baseline, Dec 2025)
  • Future: Rate floats based on platform economy

Usage:

  • Universal: Can purchase anything on platform
  • Membership fees, services, goods, voting, tips
  • Non-transferable between users for cash
  • Can only spend, never withdraw to fiat

Backing:

  • Aggregate of all platform transactions
  • Cost + 20% pricing model
  • Market discovery determines value
  • Unlimited resource: human effort and ingenuity

MARKS - Effort Debt / Social Safety Net

Acquisition:

  • Issued as debt when user’s local currency < 1 Credit value
  • Example: Bob pays 0.8 local → Gets 1 Credit + owes 0.2 Marks

Usage (RESTRICTED):

  • ✅ Essentials: Food, medical, housing, utilities (full use)
  • ✅ Tips: Only as percentage of Credit transactions
  • ✅ Hiring: With project plan + 50% Credit deposit or voucher
  • ❌ NOT for: Luxury goods, unrestricted services, investments

Clearing Debt:

  • Platform participation: working, buying, voting
  • Percentage of net profits applied to Marks balance
  • If uncleared: Can be “pawned” as redeemable equity

Pawn Mechanics:

  • Bob’s 0.2 Marks debt → Listed as claimable equity
  • Sarah buys for 0.2 Credits
  • Bob can redeem: Original + 10% fee
  • Redemption window: 1 year
  • After 1 year: Permanent transfer to Sarah

JOULES - Forever Stamp / Value Lock

Acquisition:

  • Issued as surplus when user’s local currency > 1 Credit value
  • Example: Mary pays 1.4 local → Gets 1 Credit + 0.4 Joules banked

Usage:

  • Universal: Can purchase anything on platform (like Credits)
  • Locks in exchange rate at time of acquisition
  • “Forever stamp” mechanic: Buy at one rate, use forever

Redemption:

  • Convert to Credits at locked exchange rate
  • Example:
    • Today: Mary gets 0.4 Joules when 1 Credit = $1
    • Year later: 1 Credit = $1.50
    • Mary’s 0.4 Joules still = 0.4 Credits
    • She preserved purchasing power

PLATFORM ECONOMICS

Pricing Model: Cost + 20%

All platform transactions follow this model:

  • Creator sets their cost
  • Platform adds 20% margin
  • Final price = Cost × 1.20
  • Market discovery determines what costs are accepted

Closed Loop - No Cash Out

  • Users can purchase Credits with fiat
  • Platform does NOT buy Credits back for fiat
  • Spend-only economy
  • Prevents speculation and arbitrage

TRANSACTION CONFIRMATION

“As You Wish” Protocol

Every platform transaction requires confirmation with the phrase:

“As You Wish”

This serves as:

  • Legal acceptance of terms
  • Cultural touchstone (Princess Bride reference)
  • Prevents accidental purchases
  • Creates mindful transaction moment

“Slow is smooth. Smooth is fast.” ⚔️

Finalized: December 1, 2025 Status: Ready for provisional patent filing