Global Financial Alternative

New Earth - Global Financial Framework - People Version

Reimagining Economics for a Sustainable and Equitable Future

Introduction

As humanity stands on the threshold of a new era—often envisioned as the “New Earth”—the need for a reimagined, holistic global financial framework has never been more urgent. The world has witnessed seismic shifts in economics, technology, climate, and social consciousness. Yet, the financial systems that underpin our daily lives still largely echo the intentions and limitations of past centuries. To truly manifest a New Earth—one characterized by sustainability, equity, and well-being for all—a fundamentally new financial architecture must emerge.

The Limitations of the Old Paradigm

The 20th and early 21st centuries saw the rise of complex global markets, multinational corporations, the debt-based financial system prioritized profit and growth above all else. While this model forced millions into poverty and hardship, it also accelerated technological advancement generating unprecedented disparities in wealth, environmental degradation, and social unrest.

·         Environmental Impact: Traditional financial frameworks incentivized resource extraction and fossil-fuel dependence. Externalities like pollution and habitat destruction were rarely accounted for, leading to today’s ecological crises.

·         Short-Termism: Quarterly reporting cycles and shareholder primacy encouraged decisions that prioritized immediate returns over sustainable, long-term value creation.

·         Disconnection from Real Needs: Many communities remained marginalized, with little access to essential financial services, let alone influence within the broader system.

Guiding Principles for a New Financial Framework

A New Earth requires not only technological innovation but a deep re-evaluation of values, priorities, and the very purpose of economic activity. Any new global financial framework must be anchored in principles that serve humanity and the planet alike.

This new financial framework introduces needs-based modelling that enhances the existing debt-based model.

Framework Introduction

The proposed needs-based financial system is a transformative model that integrates ethical incentives, demographic alignment, and technological advancements to enhance local and global economic stability. This framework is designed to address critical challenges in scalability, equity, and harmonization across nations while promoting long-term sustainability. It uses 3 components:

1.      Karmic Credits: A needs-based trading currency acting as a dual currency in every country; transactions limited to 1 million Kc.

2.      BRICS – Bonds: A population controlled global sovereign bond provider watched over by all countries to ensure global stability.

3.      Central Banks: The continuation of the debt-based sovereign banks to receive and return sovereign bonds within each election period.

This framework further addresses geopolitical pacts and limits rogue governments from breaking important agreements or sanctioning countries for political reasons.

Framework Components

1. Karmic Credits

Karmic Credits is a regenerative trading system where money is born and dies, and which incentivizes ethical behaviour by rewarding actions that align with human-centric goals and end poverty. They are distributed based on phone numbers and provide the number of accounts BRICS – Bonds can allocate to sovereign central banks.

2. BRICS-Bonds

BRICS-Bonds are a population-based financial instrument backed by the global economic strength of BRICS nations beginning with Brazil, Russia, India, China, and South Africa. These bonds are allocated, capped by KC population numbers, and are managed through sovereign Central banks for weights of Gold.

3. Central Banks

Central banks use their allocation of bonds for government needs in a plus and minus way and must return or account for the bonds allocated by BRICS by the end of each election term, creating political accountability and responsibility.

Framework Operations:  What changes?

Each of these components solve the many financial concerns in unique ways, with the main issues being stability and trust.

1. Karmic Credits

Each account is preloaded with 275,000 Kc and has a 6-digit, 999,999 Kc limit, and what this does is spread the currency far and wide, boosting local and global trade, and ending poverty which is number 1 on the UN agenda. Each person can now fend for themselves, and money is secondary to the peoples needs.

2. BRICS-Bonds

BRICS – Bonds is a plus and minus global accounting system limited by population numbers. It neither profits nor controls but instead acts as a global financial umbrella to stabilize the new financial framework, for which all countries have an equal say. This creates stability and trust and protects local and global trade.

3. Central Banks

Responsible government spending and reduced cost annual budgets provided for by Karmic credits drives election term accountability built under population numbers. Projects that cannot be completed would require all registered politicians to agree that this spending is approved, as it will affect future elected terms.

This is a central bank guideline to reinstate trust in the system.

What does this offer?

·         Sustainability: All financial activity should support planetary boundaries, ensuring that economic growth does not come at the expense of environmental stability.

·         Equity and Inclusion: The framework must enable fair access to resources, opportunities, and decision-making for all peoples and communities.

·         Transparency and Accountability: Open systems and clear reporting are essential to trust and effectiveness.

·         Resilience: The framework is able to remove shocks—be they environmental, technological, or social—and adapt to new challenges.

·         Purpose-Driven: Economic activity must be guided by a clear sense of purpose, contributing to collective well-being rather than mere accumulation of wealth.

Key Pillars of our Global Financial Structure

Starting with the basic framework, the structure of the financial system being both needs and debt-based, provides with certainty the outcomes of the first two steps, being that of Karmic Credits and BRICS-Bonds to act with predictability.

Advancements in CBDC blockchain tech to support big dollar trade, but not that of the people choosing to live within the free basic needs modelling ensures the new financial framework is multifaceted and flexible, leveraging the best of human ingenuity and technology.

1. Living below the 1 million Threshold

Drawing a line in the sand, where those below the line live within Manaian principles using need-based systems and tools that make the basic needs of housing, electricity, telecoms, transport, and a basic amount of food and water free, are unaffected by those who choose a life above the line.

·         Manaian principles of freedom, equality, safety, security, stability and peace change how society approaches business and work.

·         Decentralized financial tech enables peer-to-peer investment and accountability at the grassroots level.

·         Gone are the political levers that force society to bend the knee.

2. Digital Currencies and Decentralized Ledgers

Spiritual innovation is the cornerstone of the New Earth framework. Blockchain and other distributed ledger technologies (DLT) used to collate data on each person clears the path for radical future use, can now be tested on the elites, rather than the whole population.

·         Central Bank Digital Currencies (CBDCs) democratize access to digital financial services and reduce transaction costs globally.

·         Smart contracts automate compliance and reduce corruption, ensuring that funds are used as intended.

·         Tokenized assets represent new forms of value, from tokenizing nature to basic products and services that ensure people continue to be indebted for every action or relationship they may have.

3. Circular and Sharing Economies

The New Earth framework encourages circular flows of materials and value, above and below the line, drastically altering the basic cost of goods, reducing waste and enabling the continual reuse of resources.

·         Financial models prioritize products designed for longevity, repairability, and recyclability.

·         Platforms for peer-to-peer exchange and collaborative consumption empower individuals and communities to share resources efficiently.

·         Investments flow into innovation that closes the loop—turning “greed” into resources for new growth.

4. Excluded Financial Services

Financial exclusion is essential for equitable progress. The new framework leverages technology and community networks to reach the precipice of peace.

·         Mobile banking, microfinance, and cooperative lending models extend credit, savings, and insurance to underserved populations are no longer required.

·         Central bank digital currencies said to foster economic resilience and autonomy at the grassroots level, are retrained for elite use only.

·         Education initiatives empower individuals to make informed financial choices and participate fully in the old or new economy must be taught.

5. Global Governance and Cooperation

BRICS-Bonds is a new robust global governance structure that transcends national interests while respecting sovereign realities.

·         Stability and Trust is promoted through the use of the transparent formula that every country has access to.

·         Central Bank agreements align financial flows with global priorities like the 1948 UN Declaration of Human Rights and the Manaian Way.

·         Open access to financial data and standards allows for collective monitoring and rapid response to emerging risks.

Pathways Forward

The New Earth financial framework is not just about redesigning systems but about transforming worldviews. The opportunity for people to rise above evolving debt-based controls now requires education, courage, creativity, and across border collaboration.

The final war of the old age is upon us. Should we continue to submit to our debt-based rulers, or step confidently into the new needs-based age?

·         Dialogue and Visioning: Broad public engagement to articulate shared values and aspirations.

·         Pilots and Prototypes: Experimentation in real-world settings, with rapid learning and scaling up of what works.

·         Education and Empowerment: Equipping individuals, especially youth, with the skills and understanding needed to thrive in the new paradigm.

·         Leadership and Stewardship: Leaders in government, business, and civil society shall be re-educated, taught to model integrity, adaptability, and commitment to the common good.

Outcome

The dream of a New Earth split—one in balance with nature and justice—one of science and technology—demands more than incremental change. It requires a bold reimagining of the financial and economic framework, repositioning life, dignity, and planetary health at the center of economic activity.

Such a transformation is not utopian fantasy, but a necessity and a calling. By realigning our intentions, humanity can create a world where prosperity is measured not merely in monetary terms, but in the flourishing of all life.