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 33/33/33tri-partite backing 2%monthly demurrage

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 in community activities: completing surveys, sharing items, hosting food deliveries, volunteering time.

Unlike loyalty points at a corporation, CC are backed by real community assets and designed to strengthen local economic connections. They're the beginning of a neighbourhood-scale economy that keeps value where it's created.

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 Tri-Partite Backing Model

Every Community Credit in circulation is backed by three sources of real community value — not by speculation, not by debt, but by the actual productive capacity of your neighbourhood.

33%

Cash Reserve

A portion of every CC issued is backed by cash held in a community reserve fund. This provides a floor value and enables CC-to-dollar redemption.

• Direct cash contributions • Revenue from Beef Collective margins • Local business partner deposits
33%

Labour Commitment

Members pledge hours of skilled labour — anything from tutoring to carpentry to gardening. These pledges back CC with real productive capacity.

• Professional services at community rates • Block maintenance and improvements • Skills-sharing and workshops
33%

Asset Value

Shared tools, equipment, food inventory, and eventually community-held property back CC with tangible asset value.

• Sharing pool inventory value • Beef Collective inventory • Future: Permanent Land Trust equity

Earn & Spend

CC flows through everything you do in Block Share.

🟢 Earn CC

+5 CC

Phone Verification

Verify your phone 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 up to 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 someone you refer completes onboarding.

🟠 Spend CC

up to 20%

Beef Collective Boxes

Pay a portion of your monthly food box in CC.

varies

Neighbour Services

Hire your neighbours for tasks — cleaning, repairs, tutoring, pet care.

varies

Local Business Partners

Spend CC at participating neighbourhood shops and cafés.

varies

Premium Sharing Access

Reserve high-demand items like camping gear or power tools.

pledge

Block Projects

Pledge CC toward community projects — garden builds, tool libraries, block parties.

invest

Community Assets

Future: invest CC into community-owned assets like solar panels or land trust shares.

Why CC Has Demurrage

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

Demurrage encourages circulation. When CC moves — from person to person, from neighbour to local shop — it multiplies its impact. Hoarded currency helps no one. Circulating currency builds a neighbourhood economy.

Think of it as the opposite of interest: instead of rewarding those who sit on money, demurrage rewards those who use it. This keeps CC flowing and prevents accumulation by a few.

Tip: Spend or invest your CC regularly. Lock CC into block projects or community assets to avoid demurrage — invested CC holds its full value.

◆ 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, locked, and pledged CC are exempt.

Community Ranks

As you earn CC and participate, your rank grows — unlocking new abilities and recognition in your block.

🌱

Newcomer

0 CC

Just joined. Complete onboarding to start earning.

🏠

Resident

25+ CC

Active participant. Can borrow items and order food boxes.

🧱

Block Member

50+ CC

Trusted member. Can list items and vote on block projects.

🔨

Block Builder

100+ CC

Active contributor. Can propose projects and mentor newcomers.

Block Champion

200+ CC

Community leader. Eligible for Host roles and advanced governance.

🏘️

Neighbourhood Lead

500+ CC

SuperBlock coordinator. Bridges multiple blocks into district action.

🌳

Community Steward

1000+ CC

Highest rank. Guides community-wide economic decisions.

🔮

Future Ranks

Coming

As the network grows, new roles and governance tiers will emerge.

The Roadmap

Community Credits start as a simple points program and evolve into a full complementary currency for Vancouver's neighbourhood economies.

Phase 1 — Now

Points Program

Earn CC through Block Share activities. Spend on food boxes and sharing access. Build familiarity and trust.

Phase 2 — 2026

Local Commerce

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

Phase 3 — 2027+

Community Currency

CC backed by Permanent Land Trust assets. Block-level budgeting and investment. Full community economic sovereignty.

Start Earning Community Credits

Complete the Block Survey to earn your first 100+ CC and help shape your neighbourhood's economic future.

Find Your Block Take the Survey