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collections/p2p/mutualcredit/mutualcredit.md

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+![](img/mutual_credit.png)
+
+## What is Mutual Credit
+
+Mutual credit is a form of money in which users pay each other using a system of debits and credits. Within such a payment system, there is no need for cash or banks. 
+
+Mutual credit can help revive organic trade between neighborhood businesses or among community members. 
+
+It is stimulative in a way that reflects community values. That’s because transactions (technically lending and borrowing) are guided not only by profit but by participants’ long-term priorities as community members and the trust they have in each other.
+
+## More details (Arthur Brock and Eric Harris-Braun)
+
+In a mutual credit system, units of currency are issued when a participant extends credit to another user in a standard spending transaction. Picture a new mutual credit currency with all accounts having a zero balance. The first transaction could look like this: Alice pays Bob 20 credits for a haircut. Alice’s account now has -20, and Bob’s has +20.
+
+Notice the net number units in the system remains zero, just like the balance sheet in standard accounting must always balance to zero. That accounting practice places no limits on the amount of cash or assets a business can have; it simply means they are offset by an equal amount of liabilities or equity. Every negative balance in a mutual credit system is offset by positive balances so there is always a systemwide ZERO balance. You could think of the total number of units in circulation at any time as the sum of all the negative balances (or, if you prefer, the sum of positive balances since they are the same number).
+
+But wait — Alice spent credits she didn’t have! True. That’s exactly how issuance in mutual credit works. Managing the currency supply in a mutual credit system is about managing credit limits — how far people can spend into a negative balance. Different systems set different rules about this, ranging from everyone having the same limit (e.g. 100 credits), to having NO limits and leaving the choice up to each person as to whether they want to extend more credit to someone deep in debt. It really depends on the community, the relationships, and the use case.
+
+One elegant approach to managing mutual credit limits is to set them based on actual demand. You can calculate credit limits to be an equivalent of what you can pay back in 3 months (or another arbitrary period) based on the transaction history of each account (with a couple of anti-gaming modifications). This allows the currency supply to expand and contract based on the actual usage patterns of the community which demonstrate the market demand for the value people are providing." (http://ceptr.org/whitepapers/mutual-credit)
+
+### Some references
+
+- https://ceptr.org/whitepapers/mutual-credit !!!
+- https://wiki.p2pfoundation.net/Mutual_Credit
+- https://doughnuteconomics.org/tools/94

collections/p2p/poa/img/.done

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+poa.png

collections/p2p/poa/poa.md

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+![](img/poa.png)
+
+
+# Proof of Authenticity
+
+Describe how the current way of liking people and giving ratings in the current social media network world is not good, how a system of Proof of Authenticity would be much better.
+
+How does it work, every person can publish anything to everyone, when publishing there are the following levels of proof of authenticity.
+
+Proof of authenticity is always expressed on 3 levels
+
+what is the ability for the Author to act in line to
+
+- Self Authenticity
+  - never lie, don't pretend
+  - capable to represent information without manipulation
+  - act to the best of their own knowledge, capable to say they don't have certain informaion
+- Planet First
+  - is the author capable to put benefit of the planet first
+- People First
+  - is the author capable to give without expectations to the benefit of the community (people).
+
+There are 3 ways how a vote can be done
+
+- **positive**
+  - means we agree and want to give our support
+- **neutral**
+  - means we are not sure, we don't wanna say yes or no
+- **negative**
+  - means we don't agree 
+
+
+
+## Authenticity of Content
+
+We can also upvote or downvote any piece of content (text, video, ...) in line to above 3 dimensions.
+
+This helps to give an indication to the reader.
+
+A Circle is combination of many pieces of information, the roll up of these votes can be shown on that level, we can do the same for an author.
+
+In other words its easy to see for anyone to see what an experienced Authenticity level is on each of shose levels.
+
+Example: an author has written 10 articles and 10 video's, 100 votes have been given, 20 down votes, 80 plus votes on authenticity, 10 votes for planet first, 50-50%, 10 votes for people first 30% positive. The result as shown for an Author or Circle would be.
+
+|             | Authenticity | Planet First | People First |
+|:-----------:|:------------:|:------------:|:------------:|
+|   Score   |      80%     |      50%     |      30%     |
+| Reliability |      80%     |      60%     |      10%     |
+
+
+Reliability is another word for variation, this is to show the consistency of the answers, the higher the more people vote the same. If not enough people have voted then reliability is also not high. E.g. most people voting they don't know lowers reliability, only having 2 people answering does as well, 90% being negative, 10% negative would lead to high reliability if e.g more than 20 people answered.