Yes Karmic credits is a needs-based trading system that ends poverty and can end debt and yes it is a pay-it-forward system where money is created and it doesn't need to be repaid.
Like Deepseek the latest AI tech said to be closed source, Karmic credits is the same closed source which grows and shrinks with population numbers achieving capital control which is said to be impossible for a common currency.
This is possible because it is regenerative, money is born when accounts open, and it dies when it reaches an account limit, or the person dies.
Have a look at karmic credits dot com if you want to open an account or find out more. Nothing works without participation.

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