⨊GåFöre(O⨋)The FedratedMutualSociety.⨊Före(s)And⨋Lagom(s) Putting the Complementary into Crypto Currencies!. http://letthemconfectsweeterlies.blogspot.se/2018/05/fores-lagom-federated-currency-slide.html ⨊GåFöre(O⨋)The FedratedMutualSociety.⨊Före(s)And⨋Lagom(s) Putting the Complementary into Crypto Currencies!

1. Brainstorm Mind Map of Markets, Synergies, Symbiotic leverage and Commons Ecology. Micro/local,
Macro/regional, Ultra/National , Mega/International .
Market Research, Towns /Communes Halmstad, Båstad and Ängelholm, Larger Regional Centres Lund, Malmö
Helsingborg,Capitals of Nordics Oslo, Helsinki , Copenhagen Stockholm.
Capital Coin ?
Skåne Coin.?
Communecoin?
Promo discount schemes, membership discounts, early booking discounts , offpeak opening, special opening. Overtime
payments is discount coupons
Businesses. Staff, Owners/shareholders, Customers, Suppliers..
Business Membership , Individual Membership
Customer Trade Membership.

2. llustration : Demurage/Time/Interest Visualisation
●

3. Illustration : Symbiotic Ecology of federated complimentary Currency Clubs

4. Loyalty Cards, Loyalty Point, collaeralised Credit limits, Discount Club, Privelidge Cards.
Crypto Discount, Marketing,??????????
Peer 2 Peer Lending, Business 2 Business Credit freeing Supply Chain.
Property Purchase Chains? Collective Investment Broking?
Pooled Commisions and Group Purchase discounts, Bulk Input Savings Brokerage.
Shipping Logistics etc.
Complimentary Currency
As with Wir Bank and Bristol Pound , the idea of a Complimentary Currency is to maintain liquidity and trade between a defined
group within a market place or community that is vulnerable to external influences from Entities draining profits from the local
market and from external actors decisions regarding the extension of further credit to maintain the liquidity /purchasing power
lost from the out flow of funds to non resident profit makers. Maintaining a matching deposit of the external currency (Swedish
Kroner) within the Collateralised bond side of a crypro currency would allow usually disqualified memebrs to participate for the
term of the Deposit bond. Say 5 years for local banks or national/international Corporations. By taking this approach we could
establish a Large local business as an Anchor for collateralising the local credit, leverage the local supplier relationships of that
Anchor member/s and emncourage the use of Local Membership by larger businesses whilst providing local businesses with a
good network for tading and supply discounts etc but impotantly maintaining liquidity with the Small and Medium entrepreneurial
base of the commune Area for which Indidual Club Currencies are run.
Confederation of Clubs, Regions and National/international Networks.
Benefits from Demurage revenues and also discounts and Interest to savers need to be considered as a savings bond as well
as a Large corporate security bond(5yrs above) should be offered to Trade members and retail members as a cooperative
savings account. Wir do very low interest loans and more work needs to be done on how a sort of retirement savings
programme can be offered for members employees and the local community.

5. Cooperative Structures?
Membership agreement look at Mondragon.
Federated Structures.
Look at Mondragon federation structures.
Tiered Currency´s
Ether and Bitcoins are divided into units similar to pounds shillings and pence.
Consider Units which denote liquidity staus and not proportion to the reference unit.
The Spendable Unit would attract demurage fees represented by a diminishing discount rate represented by a percentage
over parity to the local fiat currency say in the case of Kroner.for parity.
Tier 1 Liquid Coins would have a premium of 15% discount if spent within 1week, 10% 2 weeks 7.5 % 3 weeks 5% after
one month Hence; 100 kroner gets 115kroner of goods in the tier 1 unit if spent week 1
110. kroner week 2
107.5 kroner Week 3
105 kroner week 4
Reverts to par second month. This would be a good way of coop members paying staff overtime as it allows for a premium
over the hourly rate of pay and there is an incentive to spend that money qucikly to gaiin maximum benefit.
Tier 2 Deposit Coins. Provide collateralised credit money so that Tier 1 coins reddemable at 1;1
1 year deposit 1%p.a
2 Year Deposit 2%p.a
5Year Deposit 3%p.a
Ether,
Peer Coin /New Bits

6. Tier 2 Deposit Coins.
This type of Deposit bond is for Fiat term deposits that are for cooperative members that wish to extend credit into their
supply chains to provide liquidity. For access to the more liquid local market an anchor corporate membership for larger
members offers benefits with the commitment to retain profits and hence maintain liquidity within the communities market
place,
Research on 30 day terms, 90 Day terms and 120 day terms and sale or return terms .
Look at Factoring into the local crypto currency as per leitar paper.
Look at Collaterlised Credit issue secured on property , stock , working capital assets
Look at Reputation /Authentication Credit scoring ?
P2P/ B2B/ insurance across federated structure?
Tier 1 Liquidity Coins.
Holiday Makers,
B & B's, Hotels, Restarants, Bars, Clubs
Leisure stores and activities
Repairs and Suprises?
Local artisans/ car repair/plumbers/ Electricians
Groceries/Farm Shops/Farmers Markets
Artists/handicrafts.

7. Some Processes And Handy Diagrams.

8. Money Creation Process.
The Hidden Secrets of Money series and the Flow Chart explaining the process Is a good introduction to the way that money
works in modern banking as a generally accepted IOU effectively brokered by the bank against the borrowers own credit . If
our own Credit is good enough for the bank to broker then why should our own credit not be brokered through a cooperative
complimentary currency unit. The rationale behind Complimentary currencies is to broker the user groups credit on terms that
promote the joint interests of the Currency users and not of the Brokers. By implementing such a complimentary currency
prosperity at a community level can be promoted with a high percentage of the benefits remaining within the credit circuit of
the local clubs economy.
The following graphic is from the Bank of england a short and longer technical download is linked at the Positive money page
here. http://positivemoney.org/how-money-works/proof-that-banks-create-money/
At this stage I wanted to just introduce the Selling points for prospective Merchants and members for the,Crypto
Complimentary Currency Cooperative (CCCC)™ .
● Benefit form leverage of own Credit.
● Credit on Favourable terms and to new entrants / start ups
● Counter Cyclical effects to wider market ( WIR Bank Leitear)
● Cross Selling and Economies of Scale in Marketing, On Line Market Place.
● Implementation though Phone APPS ( Android/Apple/possibkly block phones?)
● Federation into affiliated markets and membership.
● Interaction and support for Online prescence Websites ( E Commerce)
● Virtual Sales Presentations, streaming video, Blockchain verifiability through
Ethereum./or similar
● point to success of Bristol Pound, Ithica Hours , Wir Bank and others.
● Central Banks and Commercial Banks are phasing out cash this is a niche which CCCC
Interactive Crypto-CASH™

11. Examining the Peer 2 Peer Lending and Business to Buusiness Lending and Crowd Funding spaces.
With the Two Tier CCCC, Tier 1 complimentary currency Offers market Liquidity
Tier 2 CCCCbonded crypto cash ,offers possibilities for inward investment through Crown funding etc. 3rd Part apps on
Bondora and other white label implementations might be relevant opportunities here?
Bondora P2P.
https://www.bondora.com/blog/20-peer-lending-platforms-for-investing/
I am trying to construct a conceptual framework within which we can identify our Core areas of Business potential
Working on the 80/20 principle which core activity will be the 80% generator of profit or revenues if we go for non profit
status?
P2P? B2B? Tier 1 Currency ? Tier 2 Currency?
Membership Fees?
Block Chain Commision Structures?
Demurage Surpluses?
Interest Surpluses?
Member owned Cooperative / Ethereum democracy?