Mutual-Credit-on-Blockchain

Protocolo Monetario Descentralizado

A class of monetary protocols that implement mutual credit logic on a blockchain substrate, with trust relationships encoded as on-chain graph edges or smart contract permissions. Circles extends classical mutual credit with personal currencies plus periodic UBI minting per agent; Trustlines implements trust-line-based mutual credit. Prototypes: Circles (Gnosis Chain) and Trustlines Network.

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Detalles

Licencia Libre (AGPL/Apache 2.0 variants). https://github.com/CirclesUBI; https://github.com/trustlines-protocol
Estado de Desarrollo 🟢 Activo
Detalle del Estado de Desarrollo Released — Circles operates on Gnosis Chain with active user base; Trustlines deployed and operational.
Propietario Circles: Circles UBI cooperative; Trustlines: Trustlines Foundation.
País Germany (Circles); Germany / international (Trustlines Foundation).
Año de Inicio 2017
Stack Solidity (smart contracts); Gnosis Chain (Circles); custom blockchain (Trustlines); JavaScript clients.
Financiamiento Foundation grants; ICO (Trustlines); ecosystem grants; volunteer development.
Última Investigación 1 jul 2026

Dominios de Caso de Uso

Evolución de Plataformas y Soberanía

Protocolo Monetario Descentralizado Atributos

Orígenes Mutual credit revival; UBI advocacy; trust-graph cryptography research.
Formatos de Datos Personal currency token contracts; trust edge data structures; UBI minting metadata; graph-traversal payment paths.
Términos Free participation; gas costs paid by users or sponsored.
Fondos Trustlines: approximately CHF 15M raised in 2018 token sale. Circles: foundation grants undisclosed.
Basado En Classical mutual credit theory; Ripple's trust-line concept; UBI literature.
Permisos Permissionless participation; trust relationships encoded as on-chain graph edges.
Contrato Inteligente Yes — implemented as smart contracts on EVM-compatible chains.
Herramientas de Desarrollo Circles SDK; Trustlines clients (mobile and desktop); EVM tooling.
Madurez del Protocolo / Estandarización Community Standard — deployed implementations with published specifications.
Marco de Confianza Cryptographic verification; trust-graph topology; smart contract enforcement of mutual credit rules; community vouching.
Dominio de Aplicación Objetivo Personal currencies, UBI distribution, community economic networks, peer-to-peer credit.
Posición de Aceptación del Juego Modify-Additive — designed to coexist with national currencies and other monetary systems.
Régimen de Acumulación Varies by design — Circles adds UBI minting (mildly inflationary per personal currency); Trustlines is structurally limited like classical mutual credit.
Mecanismo de Coordinación Bounded-trust mutual plus algorithmic mechanism design for graph-traversal payments.
Modelo de Emisión Per-agent — each user mints their own personal currency (Circles) or extends trust lines bilaterally (Trustlines).
Tipo de Señal de Valor Single unit per network in practice; technically plural per-agent currencies in Circles design.
Patrón de Federación Peer-to-peer mesh through trust-graph topology.
Independencia de Sustrato Blockchain-native (EVM family).