# Proof-native economy

Money carries its source. Ownership carries its history. People exchange what they create without handing that continuity to one application.

Canonical: https://docs.bankeiz.com/economy/
Reviewed: 2026-10-28; coordinated packages 129.0.0; ruleset 127.0.0.

## Start with the value people already create

Food, work, knowledge, useful objects and productive relationships exist before a payment arrives. The proof-native economy connects that value to its source and keeps the resulting ownership and money inspectable. A farmer’s harvest, a finished repair and an authored Original each have their own evidence and rights. The economy brings those relationships together; the Original establishes exactly what each person holds.

**From contribution to use**

1. Create: Capture the work or asset in its Original.
2. Sign: Bind the authorized person to the source.
3. Use: Pay, hold or exchange through the corresponding operation.
4. Continue: Carry the source and accepted history into the next use.

## Origination has a complete causal record

Sealing captures the Original’s identity, source, exact coordinate and integrity evidence. PBI signing binds the human identity and the authorized action. In the account’s implemented qualification flow, the accepted signed Original unlocks its accrued, unspent Settlement under the existing source and valuation rules. Its retained history accounts for value already used. Signing does not erase earlier use or create another copy of the same available money.

The Original’s deterministic value and any contributed funding retain their distinct provenance inside the account. Goods, contractual rights and additional backing carry the evidence for those contributions. Authorship establishes an authored source; physical ownership and delivery use their own evidence. The account presents the spendable result while preserving the complete source beneath it.

- [Seal and sign an Original](https://docs.bankeiz.com/publication/)
- [Read the value calculation](https://docs.bankeiz.com/market-value/)
- [Inspect funding sources](https://docs.bankeiz.com/reserve-settlement/)

## One starting sum can pay for several useful purchases

Illustrated circulation: a farmer pays a fuel supplier $600. The supplier pays a mechanic $600. The mechanic buys $600 of groceries. The grocer buys $600 of food from the farmer. Each business agrees its purchase and approves its payment. The same starting money pays for four separate deliveries.

**Follow the same $600**

| Payment | From → to | What gets done |
| --- | --- | --- |
| 1 | Farmer → fuel supplier | Fuel for the next job. |
| 2 | Fuel supplier → mechanic | Repairs that keep deliveries running. |
| 3 | Mechanic → grocer | Groceries for the household. |
| 4 | Grocer → farmer | Food for the store. |

The four payments total $2,400 of purchases. The starting money remains $600; circulation measures how much useful work that money paid for. This example uses equal prices, a fixed reference conversion, available funds and no fees. In use, each transaction keeps its actual amount, authorization, source and receiving evidence.

- [Explore the interactive circulation](https://bankeiz.com/economy/)
- [Send a payment](https://docs.bankeiz.com/payments/)
- [Receive payment](https://docs.bankeiz.com/receiving/)

## Ownership and money each keep their own continuity

An Original carries the source and accepted ownership history. A payment allocates the exact amount being sent; a funded Settlement Note carries that amount and its funding evidence. The remaining unspent value stays with its source under the existing calculation. The payment is a specific completed movement, with its own participants and receipt.

Transferring an Original preserves the value already used and the value that remains. Copying the file preserves the same object identity and history. A copy creates another copy of the evidence, not another entitlement. Current ownership, accepted allocations and once-only consumption remain bound to the Original and the applicable execution contract.

- [Ownership and transfer](https://docs.bankeiz.com/ownership/)
- [Settlement Notes](https://docs.bankeiz.com/notes/)
- [Read receipts and history](https://docs.bankeiz.com/records/)

## Choose where the money goes

Money carries its proof in the Original. Bankeiz provides a convenient account for holding, sending, receiving and inspecting it. Another application, cooperative or institution can handle the same money by implementing the reality-grade receiving standard. The receiving implementation preserves the exact value, ownership, source and history through the handover.

A completed addressed Note can be delivered directly person to person, including offline. The Original remains the money and evidence outside the interface. Readers and applications make preparation, verification and use convenient; the receiving and spending rules preserve exclusive allocation and the authorized recipient.

- [The banking standard](https://docs.bankeiz.com/banking/)
- [Offline use and protected custody](https://docs.bankeiz.com/offline/)
- [Build a receiving implementation](https://docs.bankeiz.com/integrations/)

## Put an existing relationship to work

1. **Choose the purchase** — Name what you have, what you need next and who already trades with you.
2. **Establish the source** — Use the Original and the actual ownership, available funds or delivery rights for the operation.
3. **Agree the payment** — Set the amount and recipient, inspect the source, then approve.
4. **Keep the result** — Retain the accepted payment and its receipt. The recipient continues from that money and its history.

The economy grows through useful contributions and completed exchanges. Independent experiences share the same receiving laws while keeping their own identity, governance and interface. Each participant can inspect what arrived and choose its next use.

## Implementation sources

- [Producer and trading relationships](https://github.com/kojibai/reality-grade-banking/blob/v4.0.0/src/content/existing-economy.mjs)
- [Circulation walkthrough](https://github.com/kojibai/reality-grade-banking/blob/v4.0.0/scripts/economy-circle.mjs)
- [Money and Note continuity](https://github.com/kojibai/reality-grade-banking/blob/v4.0.0/docs/note-continuity-standard.md)
- [Originals, ownership and available value](https://github.com/kojibai/reality-grade-banking/blob/v4.0.0/docs/native-assets-and-account-proofs-v129.md)

## Related documentation

- [Reality-grade banking](https://docs.bankeiz.com/banking/)
- [Reality-grade infrastructure](https://docs.bankeiz.com/infrastructure/)
- [Publish, share and preserve an Original](https://docs.bankeiz.com/publication/)
- [Approve a payment and retain its receipt](https://docs.bankeiz.com/payments/)
- [Create, address and receive original Notes](https://docs.bankeiz.com/notes/)
- [Valuation, backing, price and liquidity](https://docs.bankeiz.com/market-value/)