Vision-2032-DE - How Gradido transformed Germany

A history of the greatest economic transformation in German history

It's October 3, 2032 - German Unity Day. This year, however, the Germans are not only celebrating the reunification of 1990, but also their „Second unit“The successful introduction of Gradido, which fundamentally changed the country for the better in just five years and united East and West economically and socially.

The Federal President stands in front of the Brandenburg Gate in Berlin, surrounded by hundreds of thousands of people from all parts of the country. Next to him stands Sabine Müller, a single mother from Leipzig who now runs a thriving community bakery. On the other side is Hans Schmidt, a farmer from Lower Saxony, whose family almost lost their farm after three generations - and is now operating more profitably and ecologically than ever before.

„Seven years ago in the winter of 2025/26, we were facing a deep crisis. Economic stagnation for years. 13 million people in poverty. The traffic light coalition had collapsed. The new government had little support from the population. The longest crisis of confidence in our post-war history. Today, we look back on a nation that has proven its worth: If we act together, we can make the impossible possible.“

Let's look back at how this transformation happened - and how Gradido systematically solved each individual problem.

Year 1 (2028): Laying the foundations

January 2028: The historic „Economic Freedom and Common Good Act“

After over two-year intensive negotiations, a revolutionary law is passed in 2028: the „Economic Freedom and Common Good Act WFGG“ short “Gradido law”.

After intensive consultations with the Gradido Academy, expert hearings and an unprecedented dialog with business, trade unions, churches and civil society, the Bundestag passes the law with 68% approval. It establishes Gradido (GDD) as the complementary national currency next to the euro.

Core provisions:

1. 50% rule: At least 50% of all payments must be accepted in GDD

2. Parity rule: 1 GDD = 1 EUR (fixed exchange rate for 5 years)

3. Tax exemption: All GDD transactions are tax and duty free

4. Triple money creation: 3,000 GDD per capita per month

   • 1,000 GDD as Active basic income

   • 1,000 GDD for the State budget

   • 1,000 GDD for the Compensation and Environment Fund (AUF)

5. Transience: Negative interest rate of 50% annually (5.61% monthly) stabilizes the money supply

Mathematics of transformation

Population Germany: 84 million

Monthly money creation:

• Active basic income: 84 million × 1,000 GDD = 84 billion GDD

• State budget including social benefits and healthcare system: 84 million × 1,000 GDD = 84 billion GDD

• Environmental fund: 84 million × 1,000 GDD = 84 billion GDD

• Total: 252 billion GDD per month

Annual money creation: 3.024 trillion GDD

Comparison with previous system (2025):

• Federal tax revenue: approx. EUR 390 billion

• Total government revenue (all levels): approx. EUR 870 billion

• Total government expenditure (all levels): approx. EUR 1,650 billion

Of which social security (financed by contributions from citizens): around EUR 550-570 billion

New government revenue with Gradido:

EUR revenue (50% of the economy):

• Federal taxes: ~EUR 195 billion

• State and municipal taxes: ~EUR 240 billion

• Total EUR: EUR 435 billion

GDD revenue:

• State budget (2nd money creation): 1.008 trillion GDD

• Equalization and environmental fund AUF (3rd money creation): 1.008 trillion GDD

• Total GDD: 2.016 trillion GDD

Total budget of the state:

• EUR 435 billion + 2.016 trillion GDD = 2.451 trillion EUR equivalent

• This corresponds to 149 % of total government expenditure to date (including insurance contributions). The surplus, in particular for the Equalization and Environmental Fund (AUF), amounts to EUR 801 billion (EUR 49 %).

In the Gradido model, all previous expenditure on environmental, climate and resource protection and related areas - including health, sport, recreation, food, agriculture, energy and water management - will be systematically transferred to the new AUF. As a result, the AUF will have at least an additional EUR 200 billion at its disposal and will achieve the planned allocation of around GDD 1 trillion per year.

For the first time, effective and transparent financing of elementary public welfare tasks such as environmental transformation, sustainable infrastructure, near-natural agriculture and preventive health is thus secured on a permanent and solidarity-based basis - without any individual burden and with maximum efficiency at all levels of society.

Infrastructure development: December 2026 - March 2028

Following the government's announcement of the law, preparations will begin in December 2026. The German government is working with the Gradido Academy, SAP, Telekom and other German tech companies:

• Gradido account: Free, decentralized, user-friendly, multilingual - has already been developed by the Gradido Academy Open Source and will be further expanded

• Gradido Wallet App: Offline-capable for all end devices, multilingualism

• Hardware terminals: 2 million payment terminals nationwide

• Banking integration: All banks and savings banks integrate GDD functionality into their systems

• Data protection: GDPR-compliant, decentralized distributed ledger system of the latest generation (Hiero, Hashgraph)

• Perishable cash: “DankBar” with year, exchange rate to Gradido is automatically adjusted

Investment: 15 billion (50% GDD, 50% EUR)“

The first „Gradido Day“: April 15, 2028

On April 15, 2028, all 84 million Germans will receive the right to the Active basic income. Every citizen can volunteer for the common good. Maximum 50 hours × 20 GDD = 1,000 GDD per month. Parents receive it unconditionally. Children according to age.

Sabine Müller's story:

Sabine, 37, single mother from Leipzig. Works as a retail saleswoman (part-time) + cleaner. Monthly income: EUR 1,800. After rent, childcare, living expenses, nothing left.

On April 15, she receives:

• 1,000 GDD for yourself (as a mother)

• 1,000 GDD for her 14-year-old daughter (contributes to the common good according to her age)

• 1,000 GDD for her 10-year-old son (contributes to the common good according to his age)

• Total: 3,000 GDD (equivalent to EUR 3,000)

She registers for German courses for migrants: 8 hours/week = 640 GDD extra.

She quits her job as a cleaner.

Your new income (after termination of the cleaning position):

• Job (retail, full-time): EUR 1,200 gross → EUR 600 + 600 GDD (tax-free)

• Active basic income: 3,000 GDD (family: her + 2 children)

• Work for the common good: German courses for migrants, 8 hours/week = 640 GDD per month

• Total: EUR 600 + 4,240 GDD

• Effective purchasing power: EUR 4,840 equivalent = +135% compared to 2025 (EUR 1,800)

The most important thing: Sabine now has Time and security. The cleaning job, which was barely enough for her to survive, is no longer necessary. She can continue to develop professionally - for example, through further training in retail or later in the bakery that she is now setting up.

Homelessness: „Housing-First-GDD“ program

• All approx. 380,000 homeless people receive immediate access to housing

• Temporary housing containers are set up where apartments are lacking

• Rents partially subsidized with GDD

• Accompanying health and social services

Success after 8 months: 94% have stable living conditions

GesundGradido: The revolution in healthcare

Phase 1: Comprehensive preventive diagnostics

From May 2028, all citizens will receive an annual Free preventive blood tests for the early detection of deficiency symptoms:

Test scope:

• Vitamin D, B12, folic acid, zinc, magnesium, selenium

• Iodine, iron, copper, other micronutrients

• Additionally: blood sugar, cholesterol, inflammation markers

• Hormone profile and other individual parameters

Costs: EUR 40 per person/test = EUR 3.36 billion/year

• Financing: 100% from GDD state budget

• No costs for citizens

Phase 2: Individualized micronutrient supplementation

Based on blood tests, all citizens receive Individualized supplementation in GDD:

GesundGradido packages:

Free of charge without cost participation:

• Seniors >65 years

• Chronically ill

• Children and young people

• Pregnant women and nursing mothers

Total budget: EUR 6-8 billion/year (from GDD state budget)

Result after 6 months:

• Deficiency symptoms fall from 60% to 12%

• Infections fall by 35%

• Energy levels increase measurably

Phase 3: Naturopathy integration

All proven naturopathic treatments receive full GDD funding:

• Acupuncture, osteopathy, homeopathy: To the full extent

• Naturopaths/healing practitioners: How conventional physicians are rewarded in GDD

• Phytotherapy & herbal medicine: In the service catalog

• Hypnotherapy & energy medicine: If required

• Reflexology & Traditional Chinese Medicine: Available

Costs: 15-20 billion GDD/year (approx. 40% cheaper than conventional medicine alone)

Phase 4: Health education and lifestyle change

All programs free of charge, financed from the state budget in GDD:

• Nutritional advice: Certified consultants with an organic and sustainability focus

• Movement programs: Municipal gyms free of charge, running clubs, hiking groups

• Cooking courses with regional, organic products: Adult education centers

• Community gardens & permaculture: In every neighborhood

• Stress reduction programs: Mindfulness, yoga, nature therapy

• Sleep hygiene & relaxation apps: Free of charge

Budget: 10-15 billion GDD/year

Year 2 (2029): Economic upturn & ecological turnaround

The „Gradido dividend“ for the economy

Average family (2.3 persons):

Of these, an average of around 1 person works full-time and does not participate in the Active Basic Income.

• 1,400 GDD per month as an active basic income

• Salaries for 50% in GDD (tax-free)

Example: Average family

Before (2025):

• Gross income: EUR 50,000

• Taxes/duties (28%): EUR -14,000

• Net income: EUR 36,000

Afterwards (2029):

• Income: EUR 25,000 + GDD 25,000

• Taxes on EUR share (18%): EUR -4,500

• Active basic income: 16,800 GDD per year

• Net income: EUR 20,500 + 41,800 GDD = EUR 62,300 equivalent

• Increase: 73% more purchasing power!

Agriculture: Regenerative conversion

Hans + Gerda Schmidt, 54 and 51, family farm in Lower Saxony. Hans‘ parents and 1 child still live on the farm

The farm is on the verge of bankruptcy:

• Debt: EUR 350,000 at 5.5% = EUR 19,250 interest/year

• Input costs: EUR 120,000

• Profit 2025: EUR -25,000 (loss)

With Gradido 2029:

Family receives Active Basic Income, 2 pensioners, 1 mother, 1 child:

• 6,000 GDD per month = 72,000 GDD/year

Debt transformation:

The old debt is restructured:

• 350,000 EUR → 175,000 EUR (mortgage with the house bank, 5.5% interest/year) + 175,000 GDD (credit agricultural cooperative, interest free)

• Interest only on EUR part: 9,625 EUR/year (Halving the annual interest burden!)

• GDD part is repaid in installments over 10 years: 17,500 GDD/year

This combined financing is strategic: the usual EUR mortgage is readily accepted by the house bank (traditional security), while the cooperative bears the interest-free GDD component - both more sustainable and socially fairer in the long-term perspective than a classic loan.

Conversion to regenerative agriculture:

• AUF supports with 150,000 GDD/year (first 5 years)

• Seeds/seedlings via cooperative: 30,000 GDD

• Diesel: EUR 15,000 + 15,000 GDD

• First sales revenue: EUR 40,000 + GDD 40,000

• SoLaWi (Solidarische Landwirtschaft) 40 members: EUR 16,000 + GDD 16,000

Balance sheet after conversion in 2029:

EUR revenue:

• Sale via organic market (still partly EUR-based): EUR 36,000

• Grants/subsidies: EUR 5,000

• EUR total income: EUR 41,000

GDD revenue:

• Organic products via SoLaWi (40 members): EUR 16,000 ≈ 16,000 GDD

• Direct sales at weekly markets (GDD share): 8,000 GDD

• AUF funding for conversion: 150,000 GDD/year

• Total GDD income: 174,000 GDD

Plus active basic income for family (3 generations, 2 of which are retired): 72,000 GDD

Total budget: 41,000 EUR + 246,000 GDD ≈ 287,000 EUR-equivalent

Result: The farm is not only debt-free along the way (GDD part interest-free), but also generates real added value through ecological transformation. The family lives comfortably and can invest in the next generation.

Sabine's bakery dream becomes reality

Sabine uses her accumulated GDD and tax savings as well as her improved EUR income to renovate an old store in Leipzig. With an interest-free GDD loan from the cooperative (80,000 GDD over 5 years) and savings, she buys an oven and opens a Community bakery.

Financing of the bakery:

• Interest-free GDD loan: 80,000 GDD (5-year installments: 16,000 GDD/year)

• Equity from EUR savings: EUR 15,000

• Funding for social enterprises from AUF: 30,000 GDD (first 3 years)

The bakery will be a joint project:

• Accepted 80% GDD + 20% EUR

• Employs 2 full-time employees + Sabine (as owner)

• Sells organic bread from local, regenerative agriculture

• Has a Café area for neighborhood meetings

Balance sheet 2029:

• Bakery turnover: EUR 80,000 + GDD 320,000 (business operations)

• Sabine's profit (30%): EUR 24,000 + 96,000 GDD

• Plus: Active basic income family 3,000 GDD/month

• Total income: EUR 24,000 + 132,000 GDD ≈ EUR 156,000 equivalent

The transformation is complete: From poverty to middle class to entrepreneur - all in 2 years, not because the system makes her rich, but because it makes her gives them the time, security and opportunity to develop their potential.

The Equalization and Environmental Fund: 1.008 trillion GDD/year

1. Regenerative agriculture - 120 billion GDD/year

• 200,000 farmers switch to regenerative methods

• 150,000 GDD per court on average

• 25 GDD per hectare for CO2 binding in the soil

Result:

• 10 million hectares under regenerative management (60%)

• 50 million tons of CO2 bound annually

• Soil fertility +25%

• Pesticides -70%

2. Renewable energies - 250 billion GDD/year

• Solar installations on private homes 50% subsidized

• 40 GW new solar capacity/year

• 25 GW new wind capacity/year

Result 2029:

• Renewable 68% of the electricity mix

• 500,000 new jobs in the sector

• Electricity costs -25%

3. Water management & ecosystem restoration - 180 billion GDD/year

• Remediation of polluted waters

• Renaturation 2 million hectares

• Moorland protection & reforestation

4. Circular economy & zero waste - 180 billion GDD/year

• Municipal recycling infrastructure

• Repair cafés and sharing platforms

• Deposit system expanded

5. Biodiversity & species protection - 80 billion GDD/year

• Reintroduction of extinct species

• Wildlife corridors

• Flower strip programs 500,000 hectares

6. Health & Preventive Wellbeing - 80 billion GDD/year

New in this vision: integration of the GesundGradido infrastructure:

• Free blood tests and diagnostics

• Naturopathy centers

• Prevention and health education

7. Industry transition to sustainability - 100 billion GDD/year

• Automotive industry: Electric & hydrogen

• Steel production: green hydrogen

• Chemical industry: Circular economy

8. Other & Reserve - 18 billion GDD/year

Healthcare cost transformation (core of Vision 2029)

Situation in 2025:

• Health and long-term care insurance: EUR 350 billion/year

• Per capita: EUR 4,150/year

With GesundGradido 2029:

New investments:

• Blood tests & diagnostics: EUR 3.4 billion

• Supplementation: EUR 6.5 billion

• Naturopathy: 18 billion GDD

• Health education: GDD 12 billion

• Total: approx. EUR 50 billion equivalent

Savings through prevention (already in year 2):

• Chronic disease treatment: -25% = EUR 62.5 billion

• Hospitalizations: -20% = EUR 30 billion

• Loss of working hours (productivity gain): EUR +80 billion

• Pharmaceutical costs: -22% = EUR 35 bn

Net savings: ~150-160 billion EUR

Year 3 (2030): Social Healing & Cultural Renaissance

End of polarization and East-West alignment

Economic fear disappears = polarization decreases!

• 22% consider dissenters to be „incomprehensible“ (out of 68% in 2025)

• 72% believe „Germany is on the right track“ (from 18%)

• Confidence in federal government: 68% (from ~25%)

East-West convergence is accelerating:

Measurable health improvements

Prevention successes Year 3:

Year 4 (2031): Global pioneer & innovation

Germany as a model for the world

45 countries with gradido or pilot projects:

• EU countries launch pilot projects

• USA introduces „American Economic Liberation Act“

• Latin America: Mexico, Brazil, Chile follow

• Asia: Japan experiments, India plans

Germany as the world export champion for the Economy for the Common Good:

• Foundation of the „Gradido Academy for International Cooperation“

• „GesundGradido“ becomes an international model for preventive medicine

Innovation boom and clean-tech renaissance

• 120,000 new start-ups/year

• Breakthroughs in fusion energy, quantum computing, biotechnology

• Clean-tech revolution in the Ruhr region

Year 5 (2032): Overall balance

Economic transformation

GDP growth:

• 2028-2031: Ø 5.8% per year

• 2032: 1.2% economic growth declines, transition to post-growth economy

• Total growth 2025-2032: 21%

Unemployment:

• 2025: 5.9% (official quota: 2.5 million people)

• 2032: 0.6% (50,400 people, mainly through Fricton between jobs)

Why is this possible?

• Active basic income: Everyone can be economically active

• Lower non-wage labor costs: employers are hiring more

• More start-ups: 120,000 start-ups/year create jobs

• Regenerative agriculture: 200,000 new jobs

• Renewable energies: 500,000 new skilled workers

(The 0.6% are technology-related, short-term transitions between positions).

Inflation:

• 2025: 2,8%

• 2032: 1.6% (stable)

Social transformation

Poverty:

• 2025: 13 million people (15.5%)

• 2032: practically 0% through AGE

• Child poverty: from 21% to 0%

Homelessness:

• 2025: 380.000

• 2032: 3.200 (-99%)

Gini coefficient (inequality):

The Gini coefficient measures the inequality in a society (0 = perfectly equal, 1 = maximum inequality).

• 2025 Germany: 0.31 (already relatively equal due to welfare state)

• 2032 with Gradido: 0.18 (significantly more equal company)

This is a reduction in inequality of 42%.

For comparison: South Africa 2025 ≈ 0.63 (very unequal), Denmark 2025 ≈ 0.27 (very equal). This would make Germany one of the most equal societies in the world in 2032.

Health transformation (core of this vision)

Health expenditure and efficiency:

Vitamin D and deficiency symptoms:

Naturopathic integration:

Ecological transformation

Renewable energies:

• 2025: 52%

• 2032: 85%

Biodiversity:

• 380 endangered species saved

• 4 million hectares of ecosystems restored

Agriculture:

• 80% regenerative/organic

• 95% Self-sufficiency in basic foodstuffs

Savings calculations (year 5, 2032)

Total budget 2032:

Health budget 2032 (simplified):

This EUR 160 billion can now be used for other goals: Education, infrastructure, cultural development, environmental protection.

Epilogue: October 3, 2032 - Brandenburg Gate

The Federal President concludes his speech in front of the Brandenburg Gate:

„Dear fellow citizens, five years ago, skeptics asked us: ‚How are you going to pay for this? And how are you going to get healthier?‘

Today we answer both questions:

Money is not a scarce commodity. Time, resources and human potential are.

And Health does not come from expensive repairs - health comes from intelligent prevention, from nature, from peace and quiet, from community.

We have started to create a prevention infrastructure and spend significantly less on sick people. We respect naturopathy again - not against conventional medicine, but with it, synergistically.

The results are impressive: less illness, longer life, greater well-being - and 40% lower healthcare costs.

This shows: A society that finances prevention instead of just repairing illness not only wins in terms of health - it wins at all levels.

In 1990, we celebrated the reunification of Germany. In 2032, we will celebrate the union of man and nature, of the economy and the common good, of modern prosperity and ancient wisdom.

Welcome to the second German unity. Welcome to the Gradido era. Welcome to our common, prosperous, healthy future.„

The crowd erupts in cheers. Drones unfold a huge light show above the Brandenburg Gate - in green and gold, the colors of Gradido:

Green for the earth. Gold for the flourishing of all life - and now also for real health for everyone.

Sabine hugs her children. Hans wipes away a tear. Dr. Sarah Müller, the family doctor from Dresden, thinks about her patients - many of whom are no longer chronically ill for the first time in years. Millions of people across the country, in front of screens and in public places, feel the same:

Hope. Pride. Health. Belonging. Future.

Germany has saved itself - and perhaps shown Europe and the world a way forward.

Technical appendix: The math behind the miracle

State budget in detail (2032)

Revenue EUR:

• Federal taxes (50% of the economy): EUR 210 billion

• State and municipal taxes: EUR 225 billion

• Total EUR: EUR 435 billion

Revenue GDD:

• State budget (2nd money creation): 1.008 trillion GDD

• Environmental fund (3rd money creation): 1.008 trillion GDD

• Total GDD: 2.016 trillion GDD

Health budget detailed breakdown (2032)

EUR share (approx. 220 billion):

• Health insurance administration: EUR 20 billion

• Hospitals & doctors: EUR 120 billion

• Medicines (conventional): EUR 40 billion

• Other: EUR 40 billion

GDD share (from state budget):

• Preventive blood tests & diagnostics: 3.5 billion GDD

• Supplementation (micronutrients): 7 billion GDD

• Naturopathy: 20 billion GDD

• Health education & lifestyle: 15 billion GDD

• Integrative medicine centers: 8 billion GDD

• Community Health Worker: 12 billion GDD

• Total GDD: 65.5 billion GDD

Money supply and transience

Monthly creation: 252 billion GDD Annually: 3.024 trillion GDD

5,61% monthly transience stabilizes the money supply in a natural way, without inflation.

Stabilizes after 18-24 months:

• Total GDD in circulation: approx. 4.2-4.8 trillion GDD

• Comparison of money supply: 1.8 trillion EUR + 4.5 trillion GDD = 6.3 trillion

• GDP 2032: EUR 5.0 trillion

• Ratio: 1.26 (moderate, no hyperinflation)

Conclusion: The transformation miracle

This is not utopia. This is applied mathematics + political will + integrative health + German thoroughness.

The combination of:

• Financial security (Active basic income)

• Prevention instead of repair (blood tests + supplementation)

• Naturopathy integration (40% cost savings)

• Health education (behavioral prevention)

• Ecological transformation (Healthy nutrition, stress reduction)

...results in a system that is not only economically optimized, but that creates real, deep, sustainable health for all people.

This is Gradido - the economy of gratitude, the economy of recovery.

This is the future we can create together.

Created for the Gradido Academy, November 2025

For a world in peace, in harmony with nature - and in genuine health for all people.