Marks

{{< pudding-progress >}} This Isn’t Surveillance {{< pudding-sticky-quote attribution=“Denken, Founder” >}} “Whatever you commit to, you do — and the benefits follow.” {{< /pudding-sticky-quote >}} The Problem With Roommates {{< pudding-reveal direction=“left” >}} Everyone has a roommate story. The dishes piling up. The garbage nobody takes out. The bathroom that slowly becomes an archaeological dig. It’s not that people are terrible. It’s that nobody agreed on the rules up front. Nobody committed. And when nobody committed, nobody’s accountable. ...

{{< pudding-progress >}} The Revolution That Isn’t {{< pudding-sticky-quote attribution=“Denken, Founder” >}} “I propose an economic revolution, simply by doing what we already do, with a slightly different structure. Namely, YOU being in charge of YOU.” {{< /pudding-sticky-quote >}} You Already Do This {{< pudding-reveal direction=“left” >}} You work. You buy groceries. You eat dinner. You help your neighbors move a couch. You tip a waitress. You hire someone to fix a leaky faucet. ...

The Problem: Currencies as Gatekeepers Here’s what nobody talks about when they build a global platform: Bob lives in Greece. His currency is weak — worth about 80 cents on the dollar. Mary lives in Switzerland. Her currency is strong — worth about $1.40 on the dollar. On every other platform in existence, Bob pays more (relative to his economic reality) and Mary pays less (relative to hers). The platform pretends this is fair because “everyone pays the same price in USD.” ...

{{< pudding-progress >}} The Problem: Not Everyone Starts Equal The Currency Penalty {{< pudding-reveal direction=“left” >}} Imagine two people want to use the same platform. Bob lives in Greece. Mary lives in Switzerland. Both pay $10 to join. But Bob’s $10 cost him the equivalent of $12.50 in local purchasing power. Mary’s $10 only cost her the equivalent of $7.14. Same platform. Same access. But Bob paid 75% more in real terms — just because of where he was born. {{< /pudding-reveal >}} ...

Most platforms have one currency: dollars. You pay, you get something, the platform takes its cut. Liana Banyan has three currencies. Each one does something different, and together they create an economy where doing more for your community literally makes everything cheaper. Credits — The Simple One Credits are the easiest to understand. One dollar equals one Credit. You buy them, you spend them. They work like money inside the platform. ...

You do not have to be a member to start earning at Liana Banyan. The Guest Marks Wallet lets anyone — member or not — participate in contests, challenges, and bounties and earn Marks without signing up first. How It Works When you enter a contest or complete a challenge on the platform, you earn Marks. If you are not a member yet, those Marks go into a Guest Wallet tied to your email address. ...

The Pudding You’ve been on the platform for eleven months. You’ve run a Storefront. You’ve contributed to two campaigns. You’ve logged service hours through your Guild. And across all of that, you’ve accumulated Marks — the effort-differential currency that tracks what you gave beyond what you were required to give. Now the calendar turns. One year since your first Mark was issued. And something unlocks. This is the Birthright. The one-year redemption window for accumulated Marks. Not a payday. Not a cashout. A transformation — the moment when accumulated effort becomes tangible platform benefit. ...

Marks for Marks: Reciprocal Services System “I’ll babysit if you fix my air conditioner.” The Simple Pitch Pick what you need done. Pick what you can do. Post. Done. Liana Banyan handles the rest. How It Works Step 1: Setup (Once) Buy Joules (any amount) Joules go to your Bond Account (your collateral) This backs your MARKS (your service currency) You now have MARKS to spend OR earn Step 2: What You Can Do Check boxes from a service list “I can babysit” ✓ “I can do basic plumbing” ✓ “I can teach guitar” ✓ Step 3: What You Need Check boxes from same list “I need AC repair” ✓ “I need lawn mowing” ✓ Add MARKS to each (your bounty) Step 4: Click Go LB matches you with providers in your area They see your bounty They accept They do the work You sign off MARKS transfer The Economics Solvency Guarantee Every MARK is backed by Joules in someone’s Bond Account. ...

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: ...

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: ...