Credits

How Credits Flow: Before & After Collection Every Credit is backed by real value. Here’s how it works. Keep It Super Simple 3-Tier Quick Tier (30 seconds) Real money in → Credits issued → Credits circulate → Credits return with margin → Cycle repeats. Standard Tier (5 minutes) [Full flowchart below] Deep Tier (Academic) See Three-Gear Currency Paper PART 1: Before Collection (The Bootstrap) The Question “How does the platform pay Credits when it hasn’t collected any yet?” ...

Joule Eligibility on Progress Bars Poor users deserve the same value protection as everyone else. The Problem Credits and Joules have identical value at the moment of purchase: 1 dollar = 1 Credit = 1 Joule But Joules are Forever Stamps — they lock in value. If the platform economy grows, Joules are worth MORE than what you paid. The unfairness: A user with only 25 dollars who buys Credits and spends them immediately gets no benefit from potential platform growth. They’re effectively subsidizing future growth for others. ...

Patent Ownership: Detailed Mechanics How to give something of real value through the existing service unit infrastructure. The Three Service Unit Types Liana Banyan operates with exactly three types of service units: Type Name Purpose How Obtained 1 Credits Platform transactions Purchase (1 dollar = 1 Credit) or earn 2 MARKS Reputation-backed services Earned through work, backed by Joules 3 Joules Collateral/locked value Converted from Credits, locked in Bond Account The Fourth Type: Reserve Float The Reserve Float (sometimes called “the Jar”) is NOT a service unit members hold — it’s the platform’s buffer: ...

The Cloth & Bag Analogy: Why Joules Beat Credits “It is not wise to use a joule where you can use a credit, because today they could be the same value, but in two years one is significantly higher.” — Founder, Foundation Document Keep It Super Simple 3-Tier Quick Tier (30 seconds) Credits = cloth (spend now). Joules = bag sewn from that cloth (hold value). Same material, different potential. ...

Tab System Three-Gear Currency Architecture A platform currency system comprising three distinct gears: Gear Currency Purpose Economy Gear 1 Platform Credits Stable internal value, purchased for backing projects All economies Gear 2 Platform Marks Effort-debt currency for work completion Weak economies (enables participation without upfront capital) Gear 3 Platform Joules Stored value for long-term platform ownership Strong economies (future value appreciation) Key Features: Separate ledgers with controlled conversion between gears Legal compliance (Credits = reward points, not securities) Tab accumulation for deferred payment with interest Currency differential absorbs external economic fluctuations Why This Matters The Three-Gear Tab System solves the “chicken and egg” problem of platform economies: ...