audio Deep Dive 20:29
The Blueprint for Trickle Up Investment
Generated from 72 sources in the project notebook.
Notebook: Changing the Arithmetic: A New Blueprint for Entrepreneurship · Active collection
Transcript
Machine transcription (Parakeet TDT). Lightly imperfect; the audio is authoritative.
Speaker A00:00:00
Imagine for a second uh that you and a few friends start a wildly successful tech company.
Speaker A00:00:05
Okay.
Speaker A00:00:06
You build the product, you put in the grueling hours, and you know, revenue starts climbing.
Speaker A00:00:10
Right, the dream.
Speaker A00:00:11
Exactly.
Speaker A00:00:12
But you took early money from venture capitalists.
Speaker A00:00:16
So instead of you enjoying the lion's share of that success, like eighty percent of the pie gets permanently siphoned off to investors who haven't even set foot in the office in three years.
Speaker A00:00:26
Yeah.
Speaker A00:00:26
Which is a pretty standard.
Speaker A00:00:28
Right.
Speaker A00:00:28
That is essentially the baseline gravity of modern business, right?
Speaker A00:00:32
Capital always inevitably pools at the very top.
Speaker A00:00:36
But today we're looking at a system that claims to flip that exact model on its head.
Speaker A00:00:41
It suggests that investors should actually agree to take less money the more successful you become.
Speaker A00:00:46
Which I mean it sounds like a fast track to bankruptcy to anyone trained in traditional economics.
Speaker A00:00:49
Oh, totally.
Speaker A00:00:50
But we are looking at this fascinating stack of architectural blueprints and system design papers for a well, a radically new organizational model.
Speaker A00:00:59
It is called the humanized autonomous organization or H A O.
Speaker A00:01:03
The H A.
Speaker A00:01:04
Right.
Speaker A00:01:04
And to really understand it, we also have to look at its core economic engine, which they call the integrated cooperative network or ICN.
Speaker A00:01:12
And uh just to be absolutely clear right up front, these sources are highly critical of traditional capitalism and extractive finance.
Speaker A00:01:20
Very critical.
Speaker A00:01:20
Yeah, they use some pretty strong language to describe modern equity models.
Speaker A00:01:24
So we just want to say we are not here to take sides or you know, endorse any specific economic ideology.
Speaker A00:01:31
No, not at all.
Speaker A00:01:32
Our job today is strictly to map out how this machine supposedly works.
Speaker A00:01:36
We're going to impartially report on the mechanics detailed in these texts because frankly, the engineering of this system is genuinely wild.
Speaker A00:01:42
It really is.
Speaker A00:01:43
So whether you're an entrepreneur, an investor, or just someone interested in how money flows, our mission today is to help you master trickle up investment 101.
Speaker A00:01:52
Okay, let's unpack this.
Speaker A00:01:53
Well, to really understand how investment can trickle up, you have to entirely abandon the idea of a traditional corporate headquarters.
Speaker A00:02:01
Like the big glass tower.
Speaker A00:02:03
Exactly.
Speaker A00:01:59
Throw that out.
Speaker A00:02:04
In the HAO framework, the center of the company doesn't actually create the value.
Speaker A00:02:08
The edges do.
Speaker A00:02:09
So the blueprints tell us to start out at the edges with what they call a UME or a united micro enterprise.
Speaker A00:02:16
And micro really is the operative word here, right?
Speaker A00:02:19
Absolutely.
Speaker A00:02:19
Because this model draws a hard line on scale.
Speaker A00:02:21
From what I read, a UME is capped at exactly eight to fifteen active contributors.
Speaker A00:02:28
Right.
Speaker A00:02:28
They don't want these groups getting any bigger, like no matter how successful they become.
Speaker A00:02:33
Yeah.
Speaker A00:02:33
And that isn't just an arbitrary constraint they pulled out of thin air.
Speaker A00:02:36
It is strictly based on Dunbar's number.
Speaker A00:02:39
Okay, remind me and the listener what that is.
Speaker A00:02:42
Sure.
Speaker A00:02:42
So anthropologist Robin Dunbar theorized that there is a hard cognitive limit to the number of people with whom we can maintain stable high trust social relationships.
Speaker A00:02:52
Right, right.
Speaker A00:02:53
Anyone who has ever been on a corporate reply all email chain with 50 people knows exactly what that cognitive limit feels like.
Speaker A00:03:00
Exactly.
Speaker A00:03:01
The larger the group, the more bureaucracy you need just to maintain basic order.
Speaker A00:03:06
So the blueprints argue that by capping a UME at roughly 15 people, you maximize internal agility and what they term sociological coherence.
Speaker A00:03:15
Sociological coherence.
Speaker A00:03:17
I like that.
Speaker A00:03:17
Yeah, you keep the trust high and the administrative drag incredibly low.
Speaker A00:03:22
These UMEs are the fundamental value generating cells of the entire ICN system.
Speaker A00:03:28
Okay, so you have these small, high trust autonomous teams operating at the edge, doing the actual work.
Speaker A00:03:33
Right.
Speaker A00:03:34
Writing the code, designing the products, consulting with clients, whatever.
Speaker A00:03:37
But they still need money to start.
Speaker A00:03:39
They do.
Speaker A00:03:40
And in a normal corporation, the central hub holds all the capital in a tight fist and makes those edge teams like beg for a budget allocation.
Speaker A00:03:48
Exactly.
Speaker A00:03:48
But here it operates in reverse.
Speaker A00:03:50
The central HAO acts as an orchestrator, and its primary directive is to push funds immediately downstream to the UMEs based on their strategic alignment, their maturity, and their operational readiness.
Speaker A00:04:02
What's fascinating here is how this framework explicitly treats that central organization.
Speaker A00:04:08
It isn't a traditional holding company hoarding resources to build a massive war chest.
Speaker A00:04:13
It behaves much more like a nervous system, or better yet, like a mycelial network in a forest.
Speaker A00:04:19
Oh, like the underground fungal networks that connect tree roots.
Speaker A00:04:23
Precisely.
Speaker A00:04:24
In an old growth forest, a mycelial network detects where nutrients are most needed.
Speaker A00:04:29
Right.
Speaker A00:04:29
Maybe a sapling in the shade needs extra carbon and it physically routes those resources directly to the cells that need them to stimulate growth.
Speaker A00:04:38
Wow.
Speaker A00:04:38
Yeah.
Speaker A00:04:38
The central HAO does the exact same thing with capital, deploying it immediately into the hands of the UMEs, producing the real world value.
Speaker A00:04:46
I mean, I love that mycelial network image, but honestly, looking at these blueprints, my brain immediately goes to traditional corporate venture capital.
Speaker A00:04:53
Sure.
Speaker A00:04:54
And that operates more like a massive dry sponge on a kitchen counter.
Speaker A00:04:57
That's a good way to put it.
Speaker A00:04:58
Right.
Speaker A00:04:59
It just sits at the top and absorbs all the water, leaving the roots totally dry.
Speaker A00:05:03
But wait, I have to push back here on behalf of anyone listening who actually works in finance.
Speaker A00:05:07
Go for it.
Speaker A00:05:08
If the central hub just automatically pushes all this money out to the edges to these tiny 15 person teams, isn't this just a giant grant program?
Speaker A00:05:17
Right.
Speaker A00:05:18
I mean, how is this an actual investment if the center just gives the money away?
Speaker A00:05:22
Well, it is absolutely an investment because the capital does come back.
Speaker A00:05:25
The central HAO isn't a charity.
Speaker A00:05:28
Okay.
Speaker A00:05:28
It is designed as a self-sustaining economic engine.
Speaker A00:05:32
So the money returns to the center, but the mathematical mechanism by which it returns is a total reversal of a traditional venture capital deal.
Speaker A00:05:40
Here's where it gets really interesting because the sources outline something called the diminishing contribution protocol.
Speaker A00:05:46
Right.
Speaker A00:05:46
And this is basically the engine of the trickle up economy.
Speaker A00:05:49
The way it works is that as a UME matures and begins to generate revenue to repay its initial startup capital, the percentage of that revenue it has to return to the central network actually decreases over time.
Speaker A00:06:02
It is a brilliant mathematical mechanism.
Speaker A00:06:04
The framework provides very specific tiers for this protocol.
Speaker A00:06:07
Walk us through them.
Speaker A00:06:08
Sure.
Speaker A00:06:08
So when a UME is in its early stage, like just getting off the ground, it might return 30 to 40% of its revenue back to the HAO.
Speaker A00:06:17
Okay, so a pretty big chunk.
Speaker A00:06:18
Yes.
Speaker A00:06:19
But that higher percentage is mathematically necessary to fund the heavy infrastructure, cover the initial startup costs, and compensate for the high risk the central network took in backing an unproven team.
Speaker A00:06:32
That makes sense.
Speaker A00:06:33
It's essentially paying off the heavy early stage debt.
Speaker A00:06:36
Exactly.
Speaker A00:06:36
But then as the UME hits its midstage, say their product launches, they find product market fit and their operations stabilize that required contribution drops.
Speaker A00:06:46
The text suggests it goes down to 20 to 25%.
Speaker A00:06:49
And finally, when a UME becomes fully mature and economically sovereign, its required contribution drops all the way down to a baseline of just 10 to 15%.
Speaker A00:06:59
Wow.
Speaker A00:06:59
And we really need to pause on this detail because it's crucial.
Speaker A00:07:02
Even that remaining 10 to 15% that continues to trickle up to the center, it is never used for executive profit extraction.
Speaker A00:07:08
Right.
Speaker A00:07:09
It is legally ring fenced strictly for network reinvestment.
Speaker A00:07:13
Meaning that money goes right back into funding brand new UMEs, maintaining shared tech and legal infrastructure, or uh filling mutual aid pools for the ecosystem.
Speaker A00:07:22
Exactly.
Speaker A00:07:23
But wait, I have to ask the logical follow-up here because this breaks every rule of traditional finance.
Speaker A00:07:28
It really does.
Speaker A00:07:29
Why would any funder design a system where they intentionally agree to take other fless money as a business becomes more successful?
Speaker A00:07:37
Right.
Speaker A00:07:38
In the venture capital world, if you back a unicorn company, you demand to ride that revenue rocket ship in perpetuity.
Speaker A00:07:46
It directly challenges the standard logic of return on investment, doesn't it?
Speaker A00:07:49
Yeah.
Speaker A00:07:50
But the system architects argue this design is entirely intentional to solve the problem of perpetual rent seeking.
Speaker A00:07:56
Perpetual rent seeking.
Speaker A00:07:57
Okay.
Speaker A00:07:58
Yeah.
Speaker A00:07:58
So in a traditional setup, investors extract maximum value forever purely based on a financial risk they took at the very beginning of the timeline.
Speaker A00:08:05
Decades ago, sometimes.
Speaker A00:08:07
Right.
Speaker A00:08:07
And the HEO framework argues that this eventually strangles the creators.
Speaker A00:08:11
By deliberately tapering off the financial returns, the diminishing contribution protocol prevents the center from becoming an extractive parasite.
Speaker A00:08:19
It grants the UMEs true financial sovereignty.
Speaker A00:08:23
So they actually get to keep the fruits of their labor as they get more efficient at their jobs rather than just, you know, feeding an ever growing dividend to a distant shareholder.
Speaker A00:08:33
Exactly.
Speaker A00:08:33
It creates a resilient regenerative network.
Speaker A00:08:36
I see.
Speaker A00:08:36
The central hub gets enough capital back to keep seeding new ideas and maintaining the shared infrastructure, but it willingly yields financial power back to the edges.
Speaker A00:08:45
It's an engineered guarantee that the wealth stays with the people actively generating the value.
Speaker A00:08:50
Okay, mathematically I track with that.
Speaker A00:08:51
The macro system works, but let's zoom in a bit.
Speaker A00:08:53
Sure.
Speaker A00:08:54
If a mature UME is keeping up to ninety percent of its revenue, how is that wealth distributed fairly among the eight to fifteen people inside that specific microenterprise?
Speaker A00:09:04
Because if you just hand all that retained revenue to two or three co-founders within the microenterprise, you haven't actually changed the system.
Speaker A00:09:11
You really have it.
Speaker A00:09:12
You've just recreated the exact same top-heavy corporate hierarchy at a microscopic level.
Speaker A00:09:18
This raises an important question.
Speaker A00:09:20
And it is a known vulnerability in cooperative economics.
Speaker A00:09:24
You always have the risk of early founders acting like traditional elites and hoarding the games.
Speaker A00:09:30
To solve this at the micro level, the HAO system rejects static shares entirely.
Speaker A00:09:36
Instead, it uses what it calls a dynamic equity allocation model.
Speaker A00:09:40
And the sources explicitly note that this is heavily adapted from an existing framework called slicing pie.
Speaker A00:09:47
Slices, not shares.
Speaker A00:09:48
Exactly.
Speaker A00:09:48
I find this concept so clever, and honestly, a lot of modern startups are starting to look at this.
Speaker A00:09:52
Instead of incorporating on day one and getting a fixed 20% of a company forever just because your name is on a piece of paper, your equity is a dynamic proportion of the actual quantifiable risk you put into the project over time.
Speaker A00:10:04
Precisely.
Speaker A00:10:05
The blueprints detail specific mathematical multipliers to calculate this risk, because obviously not all contributions carry the same weight.
Speaker A00:10:13
Right.
Speaker A00:10:14
For example, contributing actual out-of-pocket cash is weighted heavily.
Speaker A00:10:18
Cash is post-tax and inherently scarce.
Speaker A00:10:21
So the model suggests that one unit of cash contributed might equal four slices of equity in the pie.
Speaker A00:10:27
Okay.
Speaker A00:10:27
Meanwhile, contributing your labor or time, while incredibly valuable, might equal two slices per unit.
Speaker A00:10:35
Let's make that concrete for the listener.
Speaker A00:10:36
So if I spend $10,000 of my own savings to buy our team's servers, I get $40,000 slices.
Speaker A00:10:42
Right.
Speaker A00:10:43
But if you spend $500 hours coding our software, and your market rate is $20 an hour, that's $10,000 of time value, which translates to $20,000 slices.
Speaker A00:10:53
Exactly.
Speaker A00:10:53
And the most important word in this whole model is dynamic.
Speaker A00:10:56
Dynamics.
Speaker A00:10:57
Yes.
Speaker A00:10:57
These slices recalculate continuously as new contributions occur.
Speaker A00:11:01
Every month the pie gets bigger, and your percentage adjusts to reflect the reality of who's actually doing the work.
Speaker A00:11:07
Furthermore, the sources emphasize that this dynamic equity is strictly non-voting.
Speaker A00:11:12
Wait, non-voting, what does it do then?
Speaker A00:11:15
It purely represents your economic participation, like your claim on the profits, but it doesn't give you dictatorial control over the group's decisions.
Speaker A00:11:24
Oh, interesting.
Speaker A00:11:24
Yeah, in a UME, your operational influence is tied to verified trust and ongoing contribution, not just how big your slice of the pie is.
Speaker A00:11:33
That distinction is huge.
Speaker A00:11:34
But let me throw a wrench in this because I'm thinking of the classic Silicon Valley startup nightmare.
Speaker A00:11:39
We all know that guy, right?
Speaker A00:11:41
The one who registers the domain name, sets up the Slack channel, gets completely burnt out two months later and walks away.
Speaker A00:11:48
But because they signed an operating agreement on day one, they retain twenty percent of the company forever.
Speaker A00:11:54
They act as a passive tax on the other founders who are burning the midnight oil for the next three years.
Speaker A00:12:00
Which is incredibly frustrating.
Speaker A00:12:01
Right.
Speaker A00:12:02
So how does this dynamic HAO system actually handle someone burning out or quitting?
Speaker A00:12:06
Do they just get stripped of all their slices?
Speaker A00:12:08
No, no, they don't lose everything they rightfully earn, but they certainly don't get a free ride forever.
Speaker A00:12:13
The HAO framework solves this with what are called trust-weighted exit recovery frameworks.
Speaker A00:12:18
Okay.
Speaker A00:12:19
Because the equity is dynamic, the moment a member stops contributing time or capital, they stop accruing new slices.
Speaker A00:12:26
The pie keeps growing without them.
Speaker A00:12:28
Ah.
Speaker A00:12:29
So their overall percentage naturally dilutes as the rest of the team continues to build value month after month.
Speaker A00:12:36
Yes.
Speaker A00:12:36
The math simply adjusts around their absence.
Speaker A00:12:39
Furthermore, the framework dictates how to handle their departure based on the terms.
Speaker A00:12:44
What do you mean by terms?
Speaker A00:12:45
Well, the text categorize departures as fair, neutral, or toxic.
Speaker A00:12:49
Okay.
Speaker A00:12:50
If it's an amicable exit, their existing equity might convert to a fixed percentage that eventually caps out at a certain multiple.
Speaker A00:12:57
If it's a toxic exit, their slices can be entirely bought out by the network's recovery judicals at a predefined rate.
Speaker A00:13:03
Wow.
Speaker A00:13:04
Yeah, the entire system is engineered at the root level to prevent passive extraction.
Speaker A00:13:08
You simply cannot act as a permanent toll booth on your former colleagues' hard work.
Speaker A00:13:13
That makes total sense internally.
Speaker A00:13:15
I mean, it's an incredibly elegant closed loop.
Speaker A00:13:17
But if you're listening to this and thinking, wait, this sounds great in a vacuum, but Wall Street would never let a company operate this way.
Speaker A00:13:24
You are right to be skeptical.
Speaker A00:13:26
Oh, completely.
Speaker A00:13:27
The real world is messy.
Speaker A00:13:28
So, how does a cooperative network like this interact with cutthroat traditional capital markets without just being bought out, corrupted, or financially crushed by bigger players?
Speaker A00:13:39
It is the ultimate test of any alternative economic model, right?
Speaker A00:13:42
Can it survive contact with traditional capitalism?
Speaker A00:13:45
Exactly.
Speaker A00:13:46
The HAO blueprint solves this by creating specialized legal entities called public market interfaces or PMIs.
Speaker A00:13:54
The blueprints describe these PMIs as selective, semi permeable membranes.
Speaker A00:13:58
Semi permeable membranes.
Speaker A00:14:00
Yeah.
Speaker A00:14:00
They sit right on the boundary line between the internal cooperative network, the UMEs, and the traditional external market logic of Wall Street.
Speaker A00:14:07
So what does this all mean in practice?
Speaker A00:14:09
Because when I read the phrase semi-permeable membrane, I immediately pictured a diplomatic embassy, or maybe like an economic airlock on a spaceship.
Speaker A00:14:16
An economic airlock is the perfect analogy.
Speaker A00:14:19
Yeah.
Speaker A00:14:20
Think about it.
Speaker A00:14:21
The internal environment of the spaceship operates on one set of physics trickle up investment, dynamic equity, diminishing returns.
Speaker A00:14:30
Right.
Speaker A00:14:30
The outside vacuum of space operates on traditional ROI, hostile takeovers, and shareholder primacy.
Speaker A00:14:37
Makes sense.
Speaker A00:14:38
The PMI translates capital between the two environments without letting the toxic elements from the outside breach the hole.
Speaker A00:14:45
The sources actually provide a highly specific real world structural example of this.
Speaker A00:14:50
An entity called Contribulo.
Speaker A00:14:52
Right.
Speaker A00:14:53
Let's look at Contribulo, because this makes the airlock concept tangible.
Speaker A00:14:56
The text explain that Contribulo is legally structured as a hybrid LLC.
Speaker A00:15:01
Yes.
Speaker A00:15:01
The internal cooperative network is represented by a stewardship entity in this example, an organization called Provide.io.
Speaker A00:15:08
And provide.io legally owns a permanent, unshakable 77% majority of contribular.
Speaker A00:15:14
Right.
Speaker A00:15:14
The remaining 23% is the only part of the company left open to vetted outside public investors.
Speaker A00:15:20
And that 23% is surrounded by massive legal and structural firewalls.
Speaker A00:15:24
Tell me about those.
Speaker A00:15:26
Well, traditional investors aren't just buying generic shares.
Speaker A00:15:30
For instance, outside investors might be offered strictly capped returns.
Speaker A00:15:34
The text gives the example of an investor agreeing to a 2x return on their capital over a five year period.
Speaker A00:15:41
Alternatively, they might receive what are called tokenized dividends.
Speaker A00:15:46
Let's unpack tokenized dividends for a second, because that sounds like heavy crypto jargon.
Speaker A00:15:50
It does, but it really just means using a secure digital ledger like a blockchain to automate the payouts.
Speaker A00:15:57
Oh, okay.
Speaker A00:15:58
Yeah, instead of a traditional company mailing out a paper dividend check once a quarter at the whim of a board of directors, the revenue is programmed to stream automatically and transparently to the investors based on the smart contracts they signed.
Speaker A00:16:10
Got it.
Speaker A00:16:10
But the most critical firewall in this airlock isn't the payout mechanism, it's the control.
Speaker A00:16:16
Right.
Speaker A00:16:17
The network retains what they call golden governance shares.
Speaker A00:16:20
This legally dictates that outside investors have absolutely zero voting control.
Speaker A00:16:25
They cannot elect board members, they cannot force a sale of the company, and they own zero equity in the actual UMEs doing the real work.
Speaker A00:16:33
Nothing.
Speaker A00:16:34
But wait, I really have to challenge the financial reality here.
Speaker A00:16:37
Okay.
Speaker A00:16:38
If outside investors get zero control, no board power, and their financial returns are strictly capped.
Speaker A00:16:44
I mean, why on earth would they invest?
Speaker A00:16:45
While Street Logic demands infinite upside and total control, why wouldn't they just go invest in a traditional startup?
Speaker A00:16:52
It's the most important question to ask.
Speaker A00:16:54
And the answer is that the PMI is offering a highly specific risk-mitigated financial product.
Speaker A00:17:00
It offers ethical yield.
Speaker A00:17:01
Ethical yield.
Speaker A00:17:03
Yes.
Speaker A00:17:03
The PMI translates cooperative value into a form that is legible to a very specific type of capital.
Speaker A00:17:09
You have to remember, not all money is looking for a unicorn.
Speaker A00:17:12
That's true.
Speaker A00:17:13
There is a massive growing sector of institutional investors, pension funds, and impact funds who are desperately seeking reliable, sustainable returns without participating in extractive practices.
Speaker A00:17:24
Oh, so it functions a lot more like a high yield bond than traditional venture capital equity.
Speaker A00:17:29
Exactly.
Speaker A00:17:29
By capping the upside, the HAO actually stabilizes the risk profile.
Speaker A00:17:34
The PMI absorbs that traditional capital, pays out a fair, legally pre-agreed yield to the investors, and then funnels the actual generative power back into the cooperative network.
Speaker A00:17:44
It's basically saying to external investors, you know, you can buy a slice of the pie, and we promise it will be a reliable, tasty slice, but you do not get to own the bakery, and you certainly don't get to walk into the kitchen and tell our bakers how to bake.
Speaker A00:17:57
Precisely.
Speaker A00:17:58
It completely neutralizes the hostile takeover mechanisms that usually destroy cooperative ventures the moment they become profitable.
Speaker A00:18:07
The airlock holes.
Speaker A00:18:08
Man, so bringing this deep dive back to you, the listener, if you take one thing away from these blueprints, it's that trickle up investment isn't just a clever accounting trick or some you know utopian thought experiment.
Speaker A00:18:20
It is ultimately about changing the arithmetic of human potential.
Speaker A00:18:24
By structurally removing the crushing weight of individual financial risks, the heavy corporate administration, and the extractive debt that traditional capital demands, this system allows dormant entrepreneurial energy to finally wake up.
Speaker A00:18:38
If we connect this to the bigger picture, this entire HAO framework proves that you can use rigorous, sophisticated financial engineering things like diminishing contribution models, dynamic equity algorithms, and airlocked public interfaces to prioritize human flourishing over endless capital accumulation.
Speaker A00:18:56
Yeah.
Speaker A00:18:57
It provides a literal legal blueprint for how to have robust, scalable economics without exploitation.
Speaker A00:19:04
It really does.
Speaker A00:19:05
But before we wrap up, there is one final truly mind bending concept tucked into the very end of these sources that we haven't even had time to fully explore.
Speaker A00:19:12
Oh, I know what you're gonna say.
Speaker A00:19:14
Mutual credit systems.
Speaker A00:19:15
Ah, yes.
Speaker A00:19:15
The idea that this trickle up economy, once it reaches a certain critical density, might not even need traditional fiat money, like dollars or euros at all.
Speaker A00:19:23
Exactly.
Speaker A00:19:24
The blueprints detail how eventually these HAO networks can begin issuing their own internal credits the exact moment value is created within the network.
Speaker A00:19:34
Which is wild to think about.
Speaker A00:19:29
Right.
Speaker A00:19:36
And these credits aren't backed by a central bank or the gold standard.
Speaker A00:19:39
They are completely backed by social trust.
Speaker A00:19:41
It is the ultimate evolution of the system.
Speaker A00:19:43
Let's say one UME needs design work and another UME provides it.
Speaker A00:19:48
Okay.
Speaker A00:19:48
Instead of exchanging fiat currency, the network's ledger simply records the transaction through peer-to-peer verification.
Speaker A00:19:55
The credit is generated by the verified completion of the work itself.
Speaker A00:19:58
Wow.
Speaker A00:19:59
By doing this, the community completely bypasses the extractive banking sector to trade purely on verified communal output.
Speaker A00:20:06
Just ponder that for a second as you go about your week.
Speaker A00:20:09
A future where trust literally replaces cash and the people doing the work hold all the gravity.
Speaker A00:20:14
It's a powerful thought.
Speaker A00:20:16
It really is.
Speaker A00:20:17
As you look at your own workplace, your own team, or your next big idea, think about how you might apply a little bit of this trickle up logic.
Speaker A00:20:25
Could you slice the pie differently?
Speaker A00:20:26
Could you cap the extraction?
Speaker A00:20:28
It might just change everything.