In 2013 I wrote an article that was published in the online academic journal, Internet Journal of Community Currency Research (IJCCR). That article, Taking Moneyless Exchange to Scale: Measuring and Maintaining the Health of a Credit Clearing System, was intended to bring order out of the chaos that prevailed within the movement to create decentralized moneyless systems of reciprocal exchange based on the credit clearing process.
Alas, that article attracted little notice and stimulated no significant action to correct common errors and improve system operations. But this matter is far too important to leave it at that. Fortunately, the past few years have seen the development and deployment of some powerful new communication tools that are able to create high quality, short audio and video overviews that make concepts and prescriptions accessible to anyone.
Over the past several weeks I have been making extensive use of these tools with amazing results and posting the output on my website, https://beyondmoney.net/, and elsewhere; I am doing the same in this case. is a 7 minute video overview of the article:
And here is a longer, more comprehensive 14 minute audio overview.
If you have any interest at all in reclaiming the “credit commons,” participating in decentralized, community-controlled exchange alternatives, and transcending the destructive political money regime, these are essential to understanding how to move forward.
And please spread the word.
Beyond Money 
Intersting! It is not clear to me, how do you know the “sweet spot” for the SPR is 20-50 days? In one of your books you mention 90 days sales as a good measure for credit limits in barter networks? Is there any real world evidence which is the right metric, or are these hypotheses/educated guesses?
Thanks!
Ben T.
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Hi Ben, experience is the best teacher. The 90 day number is based on conventional bank experience in funding working capital (mainly inventories and accounts receivable). Research the formrly common practice by banks of “disconting real bills.” Gemini is a pretty good tool.
In th early stages of a credit clearing exchange it is better to start with conservative numbers like 20-50 days rather than go to the max. But that can be increased (or decreased) in accordance with actual performance of each account.
Does that answer it?
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Thanks, Thomas! And I read your article in the Community Currencies Journal! Great work!
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Beautiful and very explicite – I love it. Can these be translated into french ? This image is amazing
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Yes, I am also amazed at what NotebookLM can do. The image was generated using the “Infographic” feature.
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Translation or reproduction of these into other language is possible with NoteBookLM you think 🙂
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Thank you for your offer. What I need is boosters and publicists. You can help by sharing my work with people in your networks.
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