Gradido as a decentralized democratic world currency

How decentralized money creation is transforming the world

Which country begins?

Gradido is structured so that every country can start, to introduce Gradido as a complementary currency. Other countries will follow suit until eventually all countries worldwide introduce Gradido. As we do not know which country will be the first to do so, for the sake of simplicity this vision starts with Germany, the location of the Gradido Academy.

Introduction: The end of the FIAT era

It is January 1, 2050, and people in Beijing, New York, Lagos, Delhi, São Paulo and Sydney are celebrating the transition to the new global currency. Not because it was ordered, but because it happened naturally.

The fiat currencies - EUR, USD, YEN, CNY - still exist, but nobody wants them anymore.

Within 22 years, a monetary system has been established that nobody thought possible. A system that is not controlled by central banks, that cannot be manipulated by speculators and that gives all of the world's now 9 billion people the same right to create money.

Welcome to the Gradido world.

Part 1: The transition phase 2028-2045

Phase 1A: Pioneer phase (2028-2032)

The countries that are starting out:

What happens in this phase:

1. Germany proves the concept (Vision 2032-D)

   • Economic growth 5.8% p.a.

   • Unemployment at 0.6%

   • Poverty practically eliminated

   • Environment regenerates

2. Other countries are watching

   • Austria, Switzerland, Netherlands: „We want to too!“

   • Scandinavia follows quickly

   • USA sees opportunities (Vision 2032-USA)

   • South America and Asia explore pilot projects

3. Scientific validation

   • Nobel Prizes in Economics and Peace

   • International conferences

   • Media coverage

   • Political pressure in non-gradido countries

Phase 1B: Regional expansion (2032-2037)

The „domino effect“:

European GDD Union:

• 2032: 8 countries (250 million people)

• 2034: 18 countries (390 million people)

• 2037: 27 countries (450 million people)

• Europe = first global gradido region

American gradido room:

• USA, Canada, Mexico (2030-2032)

• Brazil, Chile, Argentina (2033-2034)

• Peru, Colombia, Ecuador (2034-2035)

• Rest of Latin America (2035-2036)

• South and North America = 700 million people in 2037

Asia-Pacific region:

• Japan, South Korea, Australia (2033-2034)

• India (largest pilot project 2034-2035)

• Indonesia, Thailand, Vietnam (2035-2036)

• China (skeptical until 2036, then transition)

• Asia-Pacific = 2 billion people in 2037

Africa and the Middle East:

• South Africa, Kenya, Nigeria (2034-2035)

• Morocco, Ethiopia, Ghana (2035-2036)

• UAE, Saudi Arabia (2036)

• Remainder step by step

2037 status:

• 80+ countries with GDD

• 4.5-5 billion people (over 60% of the world's population)

• 60-65% of the global economy in GDD

• FIAT currencies: „Legacy system“

Phase 1C: Acceleration and completion (2037-2045)

The critical mass has been reached:

With 60% of the global economy in GDD, a return is impossible:

1. Companies can't help themselves

   • Globally active groups calculate in GDD

   • Suppliers in GDD countries

   • Customers in GDD countries

   • „We have to use GDD or go bankrupt“

2. Labor mobility

   • People want to work in GDD countries

   • Wages in GDD are higher (no taxes)

   • Migration pressure in GDD countries

3. Cash flow

   • Investors want to invest in GDD

   • Yields are clear (no interest rate escalation)

   • Risks are lower (stable currency)

   • „Why still hold FIAT?“

2037-2040: The turning point

• 2037: 80 countries, 60% of the global economy

• 2039: 120 countries, 80% of the global economy

• 2040: 145 countries, 90% of the global economy

• FIAT currencies are objectively irrelevant

2040-2045: Formal abolition

2045: The last FIAT country signals interest

• China, Russia, North Korea, Iran follow successively

• Not because of pressure, but out of self-interest

• „We cannot remain isolated“

Part 2: The world in 2050 - Gradido as a global currency

2.1 Technical infrastructure: Hiero as the backbone of the global Gradido

Decentralized Hiero-based architecture

The global Gradido network 2050 is based on Hiero, the open source DLT (Distributed Ledger Technology) developed by the Linux Foundation Decentralized Trust is managed. Hiero uses the Hashgraph consensus algorithm, which is superior to classic blockchains (Bitcoin, Ethereum, Solana):

• 10,000+ transactions per second (Bitcoin: 7, Ethereum: 30, Solana: 3,000)

• Finality in 3-5 seconds (Bitcoin: 60 minutes, Ethereum: 6-13 minutes)

• Energy efficiency: 0.00017 kWh per transaction (Bitcoin: ~700 kWh) → Carbon-negative

• Asynchronous Byzantine Fault Tolerance (aBFT): Highest security level, no 51% attacks possible

• Horizontally scalable: Unlimited capacity by adding additional nodes

National Hiero-Instances

Each country operates its own Hiero instance(s) as a sovereign GDD ledger:

• Germany: 84 million people, own GDD ledger

• USA: 340 million people, own GDD ledger

• India: 1.4 billion people, own GDD ledger

• +190 other countries with own instances

Interoperability between countries

All national ledgers can be accessed via the Hiero Consensus Service (HCS) and Cross-border protocols connected with each other:

• Cross-border GDD payments in real time (3-5 seconds)

• Automatic currency equalization (1 GDD Germany = 1 GDD USA = 1 GDD India)

• Smart contracts for international contracts (Solidity-compatible)

Governance: open source and vendor-neutral

Hiero will democratic managed by the Linux Foundation:

• Technical Steering Committee (TSC): Developers from all countries can participate

• Open Contribution Model: Anyone can contribute code (as with Linux/Kubernetes)

• No central control: No country or company can dominate the system

Important: No central „World Central Bank“ necessary - the system is Federated and decentralized.

2.2 Money supply and money creation 2050

Global money creation:

World population in 2050: 9.7 billion people

Monthly money creation per capita: 3,000 GDD
├─ 1,000 GDD Active basic income
├─ 1,000 GDD National budget (local/national)
└─ 1,000 GDD Equalization and environmental fund (global)

GLOBAL:
Monthly money creation: 29.1 trillion GDD
Annual money creation: 349.2 trillion GDD

Global breakdown:
├─ Active basic income: 116.4 trillion GDD/year
├─ National budgets: 116.4 trillion GDD/year
└─ Global environment & equalization: 116.4 trillion GDD/year

The triple bottom line principle of money creation creates 349.2 trillion GDD per year (9.7 billion people × 3,000 GDD × 12 months). One third each - i.e. 116.4 trillion GDD per year - is available globally for the Active Basic Income, for national or regional budgets and for the Global Environment and Equalization Fund (AUF). Each national government and the global environmental fund therefore have a precisely calculable and reliable budget for their tasks.

2.3 What happens to fiat currencies

Gentle transition 2040-2050:

Phase 1: Stabilization (2040-2043)

• EUR, USD, etc. remain „heritage currencies“

• 1:1 conversion to GDD guaranteed

• All EUR balances are gradually converted into GDD

• Nobody loses savings

Phase 2: Historical museums (2043-2050)

• Fiat currencies only in museums

• Numismatic valuables

• Historical significance („How the world used to work“)

• Collector value increases paradoxically

Phase 3: Archiving (from 2050)

• Only digital/archived

• Young people only know GDD

• EUR, USD, etc. are history

Part 3: Social transformation

3.1 The end of poverty

Global mathematics:

9.7 billion people × 1,000 GDD/month (AGE)
= 116.4 trillion GDD/year for basic human income
= 116.4 trillion USD equivalent (if GDD=USD)

Comparison: Currently approx. 2-3 USD/day is enough to fight hunger
         = approx. 730 USD/year
         = approx. 8,760 USD/decade

With AGE: Each person receives 12,000 GDD/year
         = Over 15× the hunger-fighting minimum
         = Comfortable livelihood

Reality 2050:

The Active Basic Income AGE makes poverty structurally impossible.

3.2 Global health

Scenario with GesundGradido international:

Free blood tests worldwide:

• 9.7 billion people × 40 GDD = 388 billion GDD/year

• Early detection of deficiency symptoms

• Prevention instead of treatment

Universal micronutrient supply:

• Vitamin D3, K2, magnesium, zinc available worldwide

• Free of charge from the Global Health budget

• Life expectancy increases by 7-10 years

• Chronic diseases decrease by 50%

Global health budgets:

• From 2nd and/or 3rd money creation (environmental fund + social):

• 232 trillion GDD/year for global health

• That is 4× more than is currently spent on health worldwide

Result:

• Malaria, TB, HIV: practically eliminated

• Cancer mortality: -80%

• Cardiovascular: -70%

• Mental health: Massively improved

• Life expectancy worldwide: 85+ years

3.3 Global education

Universal higher education free of charge:

• Every child in the world can attend university

• Free of charge in any language

• Financed from the national education budget

• 1 trillion GDD/year for global education (from state budgets)

Digital University:

• Online courses in all languages

• Blockchain certificates (internationally recognized)

• Artificial intelligence as a tutor

• Knowledge equity achieved

Result:

• Literacy rate: 99%

• Secondary school completion rate: 95%

• University graduates: 40% of the population

• Unleashing global intelligence and creativity

3.4 Culture and art - The Renaissance

With AUF financing:

• 20-30 trillion GDD/year for culture (in addition to basic income)

• Every artist can make a living from making art

• World museums, theaters, concert halls everywhere

• Cultural diversity flourishes

Result:

• Local art scenes in every municipality

• Artists earn from AGE + art sales

• World cultural heritage site to be massively expanded

• Humanity experiences cultural blossoming

Part 4: Ecological transformation 2050

4.1 The global environmental fund: 116 trillion GDD/year

Allocation of expenses:

4.2 Results 2050

Climate:

• Atmosphere regenerates through natural processes

• Temperature rise: slowed by desert greening and forest planting

• Tipping points avoided

• Earth stabilizes

Ecosystems:

• Biodiversity: stabilized and growing

• 500 million hectares of new forest planted

• 30% of the oceans protected

• Salmonid populations doubled

• Bees and insects: Populations stable

• Nature regenerates itself

Resources:

• Fossil fuels: 0% (energy 100% renewable)

• Soil fertility: +40% compared to 2025

• Freshwater supplies: Regenerated

• Air quality: WHO standard everywhere

• Healing natural systems

Agriculture:

• 95% Organic/regenerative

• 500 million small farmers earn a fair wage

• Food security for more than 10 billion people

• Pesticides: Practically gone

• Earth fertile again

Part 5: Geopolitics and peace

5.1 The end of the currency wars

Current (2025):

• USA vs. China: dollar vs. yuan

• Trade wars

• Devaluation races

• Financial sanctions

2050 with GDD:

• All use the same or compatible currency

• No manipulation possible

• The same rules for everyone

• Financial weapons do not exist

5.2 The end of debt exploitation

Current (2025):

• IMF structural adjustment programs

• Highly indebted countries

• Neocolonialism through debt

• Developing countries in debt trap

2050 with GDD:

• Each country creates its own money (per capita)

• Interest-free loans on demand

• No structural exploitation

• Countries can finally invest

5.3 International cooperation

New global institutions:

Global Commons Authority:

• Management of the global AUF

• Democratic vote of all countries

• No central power

• Genuine world democracy

International Gradido Federation:

• Technical standards and interoperability

• Regulations for cross-border transactions

• Peaceful conflict resolution (mediation)

• Cooperative, not hierarchical

Result:

• War becomes economically unprofitable and politically impossible

• Crime is prosecuted globally

• Cooperation is rewarded

• Global civil society emerges: “human family”

5.4 Resource conflicts are resolved

Examples:

Water wars (Nile, Jordan, Indus):

• With AUF financing: Desalination plants

• All countries have enough water

• Reason for conflict gone

Oil conflicts (Middle East):

• With AUF financing: 100% renewable

• Nobody needs more oil

• Oil countries invest in solar parks and other advanced technologies

• New prosperity without harmful resource consumption

Land conflicts (Israel-Palestine, Kashmir):

• Economic cooperation becomes attractive

• Mutual dependence promotes peace

• AGE secures existence (not fighting for survival)

• Negotiations become possible

Part 6: Science and innovation

6.1 The innovation boom

Global R&D investments 2050:

• From state budgets: 15-20% = 17-23 trillion GDD/year

• From the private sector: 10-15 trillion GDD/year

• Total: 25-40 trillion GDD for research

That is 250-400 times more than the current figure!

6.2 Scientific breakthroughs

Likely breakthroughs by 2050:

Energy:

• Commercial fusion reactor, other new forms of energy

• Efficiency mass: >50%

• Unlimited clean energy

• Energy price: practically zero

Medicine:

• Cancer cure: 90% of all tumors curable

• Alzheimer's/dementia defeated

• Life expectancy: 100+ years normal

Climate technology:

• Atmosphere ' normalized

• Geoengineering not necessary

• Climate stabilization in a natural way

Artificial intelligence:

• General AI (AGI) developed

• Useful for science, not harmful

• Ethical framework established

• AI serves humanity

6.3 Open science

Paradigm shift:

• Patents no longer necessary (AGE and uschüsse finance inventors)

• All research is open-source

• Scientists cooperate globally

• Knowledge is shared

Result:

• Faster breakthroughs

• No monopoly prices

• All countries benefit at the same time

• Innovation at all levels

Part 7: Personal stories 2050

Story 1: Amara, 32, Nigeria

2025:

• No school education (too poor)

• Street vendor, earns $2/day

• Dreams? „I just want to feed my children“

2050:

• Free digital university → Degree in computer science

• Founds technology start-up (financed with interest-free GDD loan)

• Employees: 20, average salary 3,500-4,500 GDD

• Personal AGE: 1,000 GDD/month (additional)

• Prosperity, status, self-determination

Story 2: Liu Wei, 68, China

2025:

• Pensioner

• Pension: $200/month

• Life: Below the poverty line

• Worry: „What will happen to my savings?“

2050:

• Pension + AGE: 2,000 GDD/month

• Savings converted 1:1 into GDD

• Interest-free loans granted to grandchildren, which they now repay monthly → Stable income

• Living: Comfortable, dignified

• Hobby: Painting (income from art sales)

• Age with dignity, security and joy

Story 3: Yuki and Ahmed, 14 and 15, Japan and Egypt

2025:

• Yuki: School pupil, no prospects without an elite university

• Ahmed: Finished school, works as an assistant, earns $1/day

2050:

• Both: Free online university

• Meet in the network (online learning group)

• Founding a joint blog (in 3 languages)

• Earning with content creation

• Mutual travel (cost-effective, AGE)

• Global friendship, joint project

Part 8: Critical questions and answers

Q: Is such a change really possible?

A: Historical precedents:

• 1944: Bretton Woods System (currency area)

• 1993: Internet goes global (decentralized network)

• 2009: Bitcoin shows decentralized cryptography

• Sys transformations are possible

Catalysts:

• Economic superiority of GDD

• Environmental pressure

• Technology enablers (blockchain, DLT, AI)

• Critical mass will be reached

Q: What about countries that are not participating?

A: There are always outsiders:

• A few autocratic regimes

• They are isolated, not punished

But:

• Citizens want a global system

• Pressure from the inside

• Disadvantages become obvious

• At some point, they also join

Q: Who controls the global GDD?

A: No one central.

• Each country controls its GDD (decentralized)

• Software is open source, protocol is transparent

• Rules are set democratically

• There is no „World Central Bank“

This is the opposite of previous currency control!

Q: What happens to speculators?

A: They disappear because:

• Transience prevents hoarding

• No compound interest gains

• No arbitrage possible

• Speculation is structurally impossible

But: Legitimate investments work better (interest-free loans)

Part 9: The vision in figures

2050 Global statistics

Population and economy:

• World population: 9.7 billion people

• Global income (GDD equivalent): 349 trillion GDD/year

• Per capita income: 36,000 GDD/year

• Gini coefficient: 0.35 (from currently 0.70)

• Prosperity for all!

Work and well-being:

• Average working hours: 20 hours/week

• Unemployment: <1% (frictional transitional unemployment)

• Depression/anxiety disorders: -80%

• Life satisfaction: 8.2/10 (from the current 5.5)

• People are happier

Health:

• Global life expectancy: 85 years (instead of the previous 72)

• Infant mortality: <1% (from the current 4%)

• Chronic diseases: -70%

• Mental health: Massively improved

• Humanity is healthier

Ecology:

• Renewable energies: 99%

• Forest cover: +500 million hectares

• Species diversity index: stabilized and rising

• Earth regenerates

Education:

• Global Literacy: 99%

• University graduation rate: 40%

• Digital competence: 85%

• Green/sustainable habitat creation: Standard

• Humanity is more educated

Epilogue: January 1, 2050, midnight

The world celebrates the moment when the last fiat currency is officially discontinued.

In New York, London, Tokyo, Johannesburg, Delhi, Sydney at the same time:

• The old era ends

• The new era begins

A child is born - in any time zone - and is born immediately:

• 1,000 GDD Active basic income (monthly)

• Access to the digital university (free of charge)

• Healthcare (free of charge, preventive)

• A home (from Housing First program)

Humanity has achieved what many thought was impossible: A global monetary system that does not oppress, but liberates. Not centrally controlled, but decentrally managed. Not favoring profiteers, but giving equal rights to all.

The transformation was not easy. There was resistance, setbacks, doubters. But the logic was irresistible:

• A system that works is adopted.

• A system that is fair is loved.

• A system that is sustainable is maintained.

Closing words: The future is not written

This Vision 2050 is not a prophecy. It is a possibility.

Whether it becomes reality depends on decisions - starting now.

Every country that says „yes“ to Gradido in 2028 makes the vision more likely. Every company that accepts high GDD shares makes the system possible. Every person who saves in GDD (= grants interest-free loans) strengthens the structure. Every scientist who validates the system creates trust.

The world of 2050 will be similar to the world of 2025 - or radically different. The difference: gradido or not.

This is not a utopia that is passively expected. It is a task of civilization that requires commitment.

The question is not: Will the world look like this? The question is: will we do the work to make it look like this?

Your answer will decide the future of 10 billion people.

Created November 2025

For a world in peace and harmony with nature - decentralized, fair, sustainable.

Gradido: The economy of justice.

Epilogue: First steps to 2032

To make Vision 2050 possible, Germany could start: see Vision 2032-EN . Concrete next steps:

1. 2026: 3 German municipalities with GDD pilot projects

2. 2027: Nationwide hearings and legislation

3. 2028: Europe-wide talks

4. 2029: Germany introduces Gradido

5. 2030-2032: Other countries to follow based on German success

The beginning makes everything possible.

The time to act is NOW.