Money diversity

Resilient and sustainable financial ecosystems use a diverse set of currencies. In todays world states often have a money mono culture using a single currency which makes them vulnarable to bad practices and financial instability. Money diversity is a logical strategy to create financial resilience. Money diversity lowers the barriers for communities to create their own community currency for their specific goals and capture the full potential to self organize and exchange value. Self-organization is a foundational element for resilient ecosystems. created with complementary or community currencies.

Complementary currencies have been a niche practice in developed societies. The goal is to make them part of the main stream. A key strategy is to make them an integral part of state law which raise the awareness, gives them legitimacy and enables growth of their usage.

A good example of a complementary currency is the WIR in Switzerland.

Realization measurements

  • Government
    • policy for tax free exchange through complementary currencies. There are counties that already have adopted this approach.
    • Accept tax payments through registered complementary of community currencies
    • Registration of complementary currencies (like in Germany)
  • Non Government
    • A joint business and government project that creates a main stream community currency in the area of sustainable energy, care, education
    • (Financial) organizationa that accept community currencies or exchange community currencies for a monetary currency



Design Point

Design points are qualities for a resilient and sustainable financial ecosystem




Self organized