Community Currency

Community Credits

A neighbourhood currency that rewards participation, circulates locally, and builds collective economic power — one block at a time.

1 CC = $1
local value
33/33/33
tri-partite backing
2%
monthly demurrage
The Concept

What are Community Credits?

Community Credits (CC) are Block Share's points program — a complementary currency that circulates within your neighbourhood. You earn CC by participating: completing surveys, sharing items, hosting food deliveries, volunteering time.

Unlike corporate loyalty points, CC are backed by real community assets and designed to strengthen local economic connections.

Think of CC as a community loyalty program today — evolving toward a full complementary currency as the network grows. Every credit you earn is a vote for your neighbourhood's economic independence.

Community Credit

1 CC
=
$1.00
redeemable across Block Share programs
The Foundation

Tri-Partite Backing Model

Every CC in circulation is backed by three sources of real community value — not speculation, not debt, but actual productive capacity.

33%

Cash Reserve

A cash floor provides redemption value and stability.

• Direct contributions• Beef Collective margins• Business partner deposits
33%

Labour Commitment

Members pledge skilled hours — real productive capacity.

• Professional services• Block maintenance• Skills-sharing workshops
33%

Asset Value

Shared inventory and property back CC with tangible assets.

• Sharing pool inventory• Beef Collective stock• Future: Land Trust equity
Flow

Earn & Spend

🟢 Earn CC

+5 CC

Phone Verification

Verify your number during onboarding.

+10 CC

Registration

Complete your profile and join your block.

+3-10 CC

Survey Answers

Each question earns CC. Complete all 19 for 100+ CC.

+5 CC

Share an Item

List an item in your building's sharing pool.

+25 CC

Host a Delivery

Receive and distribute Beef Collective boxes.

+50 CC

Become a Block Host

Sign-up bonus for launching a sharing pool.

+10 CC

Refer a Neighbour

When your referral completes onboarding.

🟠 Spend CC

up to 20%

Beef Collective Boxes

Pay a portion of your monthly food box in CC.

varies

Neighbour Services

Hire neighbours for tasks — cleaning, repairs, tutoring.

varies

Local Business Partners

Spend CC at participating neighbourhood shops.

varies

Premium Sharing Access

Reserve high-demand items like camping gear.

pledge

Block Projects

Fund community projects — gardens, libraries, block parties.

invest

Community Assets

Future: invest CC into solar panels or land trust shares.

Circulation

Why CC has demurrage.

Community Credits lose 2% of their idle value each month. This isn't a penalty — it's a design feature from the world's most successful community currencies.

Demurrage encourages circulation. When CC moves — person to person, neighbour to local shop — it multiplies impact. Hoarded currency helps no one.

It's the opposite of interest: instead of rewarding those who sit on money, demurrage rewards those who use it.

Tip: Spend or invest CC regularly. Locked CC in block projects holds full value — invested CC is exempt from demurrage.

◆ 100 CC Over Time (if idle)

Month 0
100 CC
Month 1
98 CC
Month 3
94 CC
Month 6
89 CC
Month 12
78 CC
Demurrage only applies to idle spendable CC. Invested and pledged CC are exempt.
Progression

Community Ranks

🌱

Newcomer

0 CC

Just joined. Complete onboarding to start earning.

🏠

Resident

25+ CC

Active participant. Borrow items and order food.

🧱

Block Member

50+ CC

Trusted. List items and vote on projects.

🔨

Block Builder

100+ CC

Active contributor. Propose projects, mentor newcomers.

Block Champion

200+ CC

Community leader. Eligible for Host roles.

🏘️

Neighbourhood Lead

500+ CC

SuperBlock coordinator. Bridges multiple blocks.

🌳

Community Steward

1000+ CC

Highest rank. Guides economic decisions.

🔮

Future Ranks

Coming

New governance tiers as the network grows.

Vision

The Roadmap

From points program to full complementary currency.

Phase 1 — Now

Points Program

Earn CC through activities. Spend on food and sharing. Build familiarity and trust.

Phase 2 — 2026

Local Commerce

Neighbourhood businesses accept CC. Labour exchange launches. Tri-partite backing operational.

Phase 3 — 2027+

Community Currency

CC backed by Land Trust assets. Block-level budgeting and investment. Economic sovereignty.

Start earning Community Credits.

Complete the Block Survey to earn your first 100+ CC and join the neighbourhood economy.