01 · The problem
Today's economy puts financial capital and accumulated ownership at the center. People, communities and the living planet are arranged around it, and access to life itself depends on having money.
Billions of people live inside these rules every day: working to service debts, paying to stay housed, watching what was shared become owned. It can feel like gravity. It isn't.
The rules of the current game
Most new money enters the economy as bank loans that must be repaid with interest. To keep it flowing, someone, somewhere, must keep borrowing.
Food, shelter, health care and education go to those who can pay. Without money the basics stay out of reach, however abundant they are.
Interest, rent and returns on ownership move wealth to those who already hold it, and concentrated wealth becomes concentrated power.
A standing forest adds nothing to the numbers we steer by. Cut down and sold, it does. The rules reward extraction.
What sits at the center?
Today's game
Everything orbits financial capital. Human needs sit further out, and the living world is pushed to the very edge, counted only when it can be bought and sold.
None of this is a law of nature. Money, debt, ownership and markets are institutions. People designed them, wrote them into law, and have rewritten them many times throughout history.
We can change the rules.
See how02 · The solution
Creditism rests on three shifts. Each one takes back something we handed to a system that no longer serves us, and returns it to people and the planet.
From debt to dignity
Credit is issued directly to people, for life itself and for the contributions they make, instead of being lent into existence as debt.
From extraction to stewardship
Land, water, knowledge and shared infrastructure are stewarded democratically, for everyone alive today and every generation still to come.
From accumulation to shared power
Credit deletes when it's spent instead of passing to the seller and piling up, so money can no longer harden into power over other people.
Together, the Three Reclaims form the basis of Creditism, a proposed economic architecture designed around life.
Explore Creditism03 · How Creditism works
In today's economy, money changes hands and keeps going, gathering wherever it can earn more. Creditism proposes a different cycle, one in which nothing piles up.
Follow the Credit
04 · The ecosystem
Common Planet brings together a steward, an idea and a network. Each depends on the others, and together they carry a new economy from proposal to practice.
A planetary membership network
Built by its members, one relationship at a time.
05 · The AYU Network
The AYU Network is the emerging planetary membership network of Common Planet. It's where people meet across borders, collaborate, build trust with one another, and help design and test the foundations of Creditism in practice.
Become a member and tell us how you'd like to take part.
Work with people near you and around the world on shared projects.
Build a web of trust grounded in relationships and contribution, not credit scores.
Help shape and test the tools and agreements Creditism will need.
The economy is not a force of nature.It is a game we designed.And we can design a better one.
Every design choice begins with what sustains people and the living world.
Work that adds to life is recognized, whether or not a market pays for it.
What we depend on together, we steward together.
No one should be able to accumulate control over everyone else.
06 · Take part
A new economy needs every kind of contribution: curiosity, skills, time, partnership and support. Start wherever feels right.
07 · Questions
New ideas deserve hard questions. Here are the ones we hear most often.
Ask us something elseNo. Credit in Creditism isn't a token to trade, mine or speculate on. It's issued for life and contribution and deleted when it's spent, so there's nothing to hoard and nothing to bet on. Technology may help run it, but Creditism is an economic architecture, not a coin.
Producers and contributors receive newly issued Contribution Credit for what they provide. The buyer's Credit disappears and the seller's arrives fresh, so value is recognized without Credit ever piling up in a few hands.
No. It means work is no longer the only door to survival. Life Credit is designed to keep the basics within everyone's reach, while contribution, including the care and community work today's markets ignore, is recognized and rewarded.
Every economic system was designed by people solving the problems of their time. Creditism is a proposal to be researched, debated and tested, starting at a human scale through the AYU Network, and improved by what we learn along the way.
No. Common Planet is a nonprofit-led initiative, not a party or a campaign. Its work is research, education, and building foundations that people can join and test for themselves.
Join the AYU Network, share these ideas with people you trust, or get in touch if you'd like to contribute research, skills or support to the Foundation.
The next economy
Join a planetary network of people who believe humanity can design a better economic game, and help lay its foundations.
