Analyst lane

Credit before currency.

The current model is FavourBuck. The old coin branch has been archived as previous-model material. FavourBucks begin as capital-seeded credits; later, borrowed favours can become settled FB only when the recipient gives verified value back to the network.

Phase 1

Capital-seeded credit

FavourBuck starts as a bounded internal unit backed by real capital, escrow, and visible marketplace activity.

  • Best legal fit for a charity-adjacent public-benefit shell.
  • Solves cold start before participants have earned FB.
  • Creates trust because early FB enters against real reserves.
Phase 2

Reciprocal work conversion

A borrowed favour creates provisional credit. The credit becomes settled FB only when the recipient later completes witnessed useful work for someone else.

  • Settlement is tied to contribution, not consumption.
  • Someone paying is the first proof that the favour had value.
  • Low-quality or circular work damages individual and Group standing.

A three-step example.

Lucia delivers the milk. The recipient does not have FavourBucks yet, so the system records a bounded provisional credit instead of pretending new money appeared. Two weeks later, the recipient mows a neighbour's lawn through the network. That witnessed work is what converts the earlier credit into real FavourBucks for Lucia.

The five constitutional design rules.

01

Credit must close through work

Receiving a favour can create provisional credit, but permanent FB settles only when verified reciprocal work adds value back to the network.

02

Reputation over wealth vs passive payout

If Groups pay passive yield, Group membership becomes the new hoardable asset.

03

Privacy is legitimate; evasion is not

Recorded settlement is the default. Declared-private settlement is a narrow policy path that must still support audit, dispute, safety, and the commons.

04

Charity shell vs money function

If FavourBuck becomes redeemable, transferable, or cash-like, the charity-first shell needs strict boundaries around custody, redemption, and compliance.

05

Surfaces are machine-readable capacity

Nodes trade declared capacity for FB. Reputation records whether each Surface reliably closed what it promised under the Rider spec.

Surfaces of capacity, layers of need.

A Logistic is not a flat ask. Need is stratified — and the Rider names the stratification. The network's job is to compose Surfaces of capacity to cover every layer.

01

Urgency

When must this happen? Now, today, this week, whenever the route lines up.

02

Materiality

What physical resources are required? Cooler, vehicle, tools, space, capital.

03

Trust

What level of vetting? Stranger-okay, Group member, credentialed, witnessed by name.

04

Skill

What capability is required? None, common, specialized, certified.

05

Scale

How big is the lift? Solo, household, Group-scale, community-scale.

The breastmilk delivery has all five layers. Lucia's Surface covered Urgency, Materiality, and the logistical route. Her Group's witness handled Trust. The recipient mother's hospital staff handled Skill at the destination. Composition is how the favour closed.

Why not a DAO?

A DAO can concentrate what this system is built to distribute. Token-weighted ownership tends to reproduce, in faster code, the wealth-over-reputation logic Favour Bucks was designed to escape.

01

Plutocracy in faster code

Most production DAOs default to token-weighted power, either formally or socially. Whoever holds the most can steer the system. Rule 02 above is reputation over wealth — token-weighted control inverts that on day one.

02

Smart contracts can't judge favours

"Did Lucia deliver the milk in good condition?" is contextual, social, and human. The dispute ladder needs witnesses, Groups, and arbitration. Code-as-law cannot answer this question.

03

Tokens compound. Favours shouldn't.

A governance token tends to become hoardable, tradable, and expectation-bearing. That is the failure mode the no-compound-interest rule was written against.

04

The charity shell does work a DAO cannot

Tax-deductible escrow. Fiduciary defense in court. Mission lock against capture. Regulatory legibility for a Canadian launch. A generic DAO wrapper does not answer that public-benefit posture by itself.

05

The label imports the wrong frame

In 2026, "DAO" signals token speculation, anonymous founders, exit-scam risk, and rug pulls. The brochure is a long argument against the extraction model that ecosystem is largely built on.

What we keep from the decentralized tradition: soulbound receipts, open protocol, federated Groups, public reporting, member-portable reputation. What we don't: token-weighted voting, smart-contract-only governance, ownership as power.

The constitutional rule is now clearer.

You may receive before you give, but the accounting settles when you give back.

Seeded first

Early FB enters against real capital and reserve policy.

Charity or operating company

Registered public-benefit shell, or separate entity for protocol operations.

Provisional then real

Borrowed favours become real FB only after reciprocal work.

Soulbound in core

Credential proof belongs in the protocol. Tradable provenance, if it ever exists, belongs outside the core.