Money is nothing more than computer numbers in databases. Money creation is a term from the financial world. It describes the way money is created, i.e. the rules according to which the numbers are written into the computer databases. In the old monetary system, money is created through debt, i.e. the sum of all assets is equal to the sum of all debts worldwide. With Gradido, money is created for every person as assets without creating debts. Per capita 3 × 1000 gradidos are created: 1000 gradidos each for the basic income, the national budget and the Equalisation and Environmental Fund. We call this threefold creation of money.

In the Gradido model, the state budget is generated by the second creation of money. Money is created per capita. This means that every state has the same amount of state income per citizen. In Germany, the second creation of money is roughly equivalent to the current national budget (federal, state and municipal) plus health and social services.

If new money is constantly being created, it must vanish again. Otherwise the money supply would increase and this would lead to inflation. The cycle of growth and decay is a law of nature and cannot be circumvented. Inflation, for example, would be involuntary transience. Since we know this, we also plan for transitoriness. The planned transience of the gradido is 50% per year. Similar to a negative interest rate, transience is continuous and is deducted from the account balance once a month.

With Gradido, the total money supply is self-regulating in that it levels out to the value at which the monthly money creation is exactly equivalent to the monthly transience. That is an average of roughly 54,000 gradidos per capita. In Germany (82 million citizens), the total amount in gradidos is roughly equivalent to the total amount of all assets in 2007 (before the financial crisis). The money supply cannot be manipulated and no financial bubbles can develop.

Since the money supply per capita with Gradido is roughly equivalent to the money supply in euros in Central Europe in 2007, we can assume that prices as a whole will also be roughly equivalent to 2007 prices in Central Europe. Organic products are supported by the Equalisation and Environmental Fund. They will therefore be significantly cheaper than comparable environmentally harmful products.

Gradido does not specify the form of government. Any form of government is suitable for Gradido.

Apart from the fact that there has been no gold backing for a long time, gold backing is not required for Gradido either. Gradido is a self-regulating system and the money supply is stable.

To answer this question, we first ask: Where does the money come from? How are euros, dollars, yen, etc. created?

The answer is as simple as it is sobering: the present money is derived from nothing, through debt. Money is nothing more than computer numbers in databases. For every euro of credit in one account (positive number in a database), the same amount of euros must necessarily appear in another account (negative number in a database). For these figures in databases, wars are waged, people are driven into poverty, the environment is destroyed, etc. – the old monetary system is a zero-sum game mostly producing losers.

Gradidos are also created as numbers in databases – but according to different rules. Gradido is a plus-sum game. There are only positive balances. With Gradido, money is created for every person as assets without creating debts. Per capita 3 × 1000 gradidos are created: 1000 gradidos each for the basic income, the national budget and the Equalisation and Environmental Fund. We call this threefold creation of money. Since Gradido is a plus-sum game, everyone wins.

Basic income for every person is a systemic element of Gradido. The basic income is generated by the threefold creation of money (see the question “Where do gradidos come from?”).

The unconditional basic income is paid out to all beneficiaries on an egalitarian basis, without anything being required in return.

The Active Basic Income is pay for Unconditional Participation: every person has the right to contribute to the community according to his or her gifts (inclinations and abilities). The pay is 20 gradidos per hour for a maximum of 50 hours per month, i.e. a maximum of 1000 gradidos per month. Those who cannot contribute because of their age or health receive their basic income unconditionally.

Both unconditional and active basic income are possible with Gradido.

In connection with the Unconditional Basic Income, surveys have been conducted revealing that most people also want to continue working with an unconditional basic income. Sometimes they would do somewhat different from now, depending on how much they enjoy their current work.

Nevertheless, opponents of the Unconditional Basic Income have their doubts as to whether this statement is true and if enough would actually be produced with an unconditional basic income.

The concept of an Active Basic Income takes these doubts into account and could thus be a common denominator for proponents and opponents of the unconditional basic income. With an Active Basic Income, everyone contributes to the community. I.e. everyone works a few hours for the community to receive their Active Basic Income.

Unpleasant, dirty and dangerous work will be increasingly done by machines or correspondingly highly paid.

All elements of Gradido follow the ethical principle of threefold good: well-being of the individual, well-being of the community, well-being of the whole (environment & nature). In particular, the Equalisation and Environmental Fund (EEF) guarantees that the environment is decontaminated and that only environmentally friendly products and services have a chance on the market.

The Equalisation and Environmental Fund (EEF) is an additional fund equal to the national budget. It is used for the rehabilitation and conservation of nature and the environment. It is as large as the national budgets of all countries involved in the Gradido model and thus the largest environmental fund ever conceived in the history of mankind. Among other things, the EEF finances the conversion of companies to environmentally friendly or organic products and production methods. It subsidises ecologically high-quality products and services, so that only these have a chance on the market.

Since environmentally friendly products are subsidised by the Equalisation and Environmental Fund, environmentally harmful products no longer stand a chance and will disappear from the market within a short time. This does not harm the companies involved, as the EEF supports them in switching to environmentally friendly products and production methods.

As more and more work is done by machines, there will be fewer and fewer jobs. The basic income provides for everyone. Free time is created which can be used for social and human activities. Unemployment in the conventional sense will no longer exist.

Since there are no more taxes at Gradido, there can be no illicit work by definition.

The elderly also contribute to the threefold creation of money. The basic income provides for them at all times, even when they get to 150. Within the scope of a flexible life plan, everyone has the possibility of additional old-age provision and can thus maintain their standard of living, even if this is significantly above the level of the basic income.

Governments have a generous national budget at their disposal to create and maintain all the necessary infrastructure. In addition, you benefit from an enormous reduction in bureaucracy, as they do not have to levy taxes and control their payment.

The Equalisation and Environmental Fund, which is also of the same amount, is an additional relief for the national budget. All environmental projects and subsidies are supported by the EEF

The basic income provides for all citizens. Additional social expenditure is hardly necessary any more.

Satisfied citizens are loyal to the government.

Companies benefit from tax exemption and subsidies from the Equalisation and Environmental Fund. Overall, more money is in circulation because of the basic income, among other things. There are more solvent customers, who request high-quality products because of the currency transience. There is less demand for the cheap junk currently in use.

Because of the basic income, all people have more money at their disposal. Besides, there is no tax. The Equalisation and the Environmental Fund improves general quality of life.

Already today, twice the world’s population could be supplied with high-quality organic food. So far it has failed because of the old debt money system, which prevents people in poor countries from having access to vital resources.

The introduction of the Gradido model leads to a balance between the present poor countries and the industrial nations. This is achieved by the threefold creation of money per inhabitant and the associated financial prosperity in each country. The present poor countries can afford the technologies and know-how needed for sustainable food production, among other things.

The old debt system causes conflicts and wars with mathematical consistency. With the peaceful transformation to the Natural Economy of Life, the Gradido model, the main cause of wars is eliminated. This lays the foundation for global prosperity and peace in harmony with nature.

The poorer the country and its population, the greater the problem of overpopulation. Wealthy countries and sections of the population tend to have a decline in birth rates. If we create prosperity for all, the world’s population will decline in a harmonious and peaceful way.

Overall, there is more money in circulation at Gradido. Because of its transience, people are interested in granting loans. This way it is very easy to take time out. If you want to take a break right now and prefer a higher standard of living, get a loan from someone else who might want to take a break in a few years’ time. Loans can be arranged through financial service providers or credit institutions that can develop into life planning institutions.

Gradido does not specify the form of government. Any form of government is suitable for Gradido.

Gradido strives for a peaceful transformation of the monetary system – a smooth transition from the old system of debt money to the Natural Economy of Life (Gradido model for short).

Cryptocurrencies such as Bitcoin exist only as assets. There are no negative balances there. This is already a step in the right direction. At present, they are still often “misused” as objects of speculation and cause ecological problems due to the gigantic energy consumption, but this will be solved in a short time. We are also working on a cryptocurrency as a way of taking Gradido to the world.

Apart from the possibility of bringing Gradido into the world as a cryptocurrency, a state introduction makes a lot of sense. Who ultimately decides on this depends on the political system in the respective country. In any case, it is important to spread the idea as widely as possible. For this we need each and every individual. We need you! In this way we decide together if and when Gradido will be introduced.

Gradido can be introduced as soon as the critical mass of people who know and want to know about Gradido has been reached. This can already happen in just a few years. It is up to each and every one of us.

Gradido can also be introduced in individual countries. To this end, we have developed a step-by-step plan to ensure that foreign trade can continue smoothly.

All people have only advantages from Gradido, rich and poor alike. That is the nature of the plus-sum game. Those who are against it may possibly not have been sufficiently informed. To inform as many people as possible, we are building up a network of ambassadors.

We have also developed models in which existing credits in conventional currency are taken over into the Gradido system in such a way that their value is maintained over a longer period of time.

The Gradido University is Gradido’s training platform. Its goal is to educate people in the knowledge of the Natural Economy of Life and its peaceful introduction. The main course of the Gradido University is the »Master Plan for a Healthy World«.

The »Master Plan for a Healthy World« is a project of the Gradido Academy for the introduction of Gradido, a new sustainable monetary system modelled on nature. Gradido follows the natural economy of life to achieve global prosperity and peace in harmony with nature. The master plan offers active project members the opportunity to build up an additional income by working as Gradido ambassadors*. The master plan shows a way how we can join forces and abilities to make the world a place worth living in again – for the sake of our children!

Although the natural economy of life is basically easy to understand, it is unusual and requires unconventional thinking. Personal conversations from person to person and networking are required here. This is the task of the Gradido Ambassadors.

If you want, you can train as a Gradido Ambassador within the scope of the master plan and build up additional income with this activity.

The basis for your income is our Basic Income Affiliate Program. It is designed for the dissemination phase. Once the critical mass has been reached, the Natural Economy of Life can be implemented politically in a democratic way and enable all people worldwide to earn an Active Basic Income.

Besides the Gradido University we also offer a number of free services:

Register for free at Gradido EASy, the experimental exchange system with Gradido account and marketplace! Join our Facebook group! Take part in the Gradido-Freundeskreis (circle of friends) with its online meetings about once a month. Sign up for the free e-mail information service and receive the free e-book as a gift!