What if you could create your own money? No crypto hype, no speculation – but a value backed by your own skills, your time, and your products. With the first test version of the Human Money App, we are making exactly that possible.
The first thought that inevitably comes to mind for almost everyone when considering the concept of Human Money is: “If every person creates their own money, we’ll sink into total chaos! Everyone will just print millions for themselves. We urgently need a central authority to control this.”
This reflex is not only understandable; it is deeply human. If we are honest with ourselves, we have to admit: we simply cannot imagine a system without central control anymore. And it’s no wonder. From school to retirement, we have been conditioned to believe that order must always be organized from the top down. We have forgotten how to trust in organic coexistence, preferring instead to rely on laws, authorities, and politics.
We are on the verge of an upheaval that is reaching a new quality through the convergence of Artificial Intelligence (AI) and robotics, fundamentally challenging our previous understanding of work and everyday life. Warnings from insiders in the tech industry are accumulating: In a few years, this technology will be able to take over a massive part of our cognitive work. What began in industry with robots is now hitting offices, law firms, administrations, and creative professions. The consequence that is often painted on the wall is bleak: mass unemployment, an unprecedented concentration of power among a few tech corporations, and millions of people suddenly considered “useless” to the labor market.
When you introduce people to new, decentralized monetary systems like Human Money, it usually doesn’t take long until a very specific question arises: “But what about the elderly, the sick, and the weak? How do you help them?” This question is great. It impressively proves that we humans are empathetic by nature and want the weakest in our society to be helped. However, the way we organize and finance this help today requires urgent rethinking.
When we think of money today, we see numbers on screens, bank buildings of glass and steel, or complicated curves on the stock market. We have become accustomed to money being an artificial order – managed by huge institutions, secured by laws, monitored by authorities. Yet deep inside, many of us feel that this structure has become fragile.
The analog version of Human Money – like the Minuto – is already achieving great things. It brings people together, promotes local cycles, and makes us capable of acting. But paper has physical limits. What happens when we combine the principle of human performance promises with the possibilities of modern technology?
Doors open to an economic system that is as flexible, secure, and sovereign as we could hardly imagine before. Let’s venture a thought experiment: What does the practice look like, and what is possible?
Why technical support is essential for success
When “digital money” is mentioned today, many are rightly skeptical. Images of “transparent citizens,” surveillance, and state control quickly come to mind. But technology is neither good nor evil in itself—it depends on who controls it. With Human Money (Humangeld), we use digital tools not to monitor individuals, but as instruments for people to expand their sphere of influence. It is about sovereignty, not dependency.
One of the most powerful insights for understanding Human Money (Humangeld) is: “It transforms us from objects of the economy into subjects of action.”
While this may sound abstract at first, it precisely describes the fundamental sense of powerlessness many experience in our current monetary system—and the path toward a new form of sovereignty. But what does this shift in roles actually mean for our lives?
In our conventional monetary system (fiat money), money is an external resource. It is created by banks and central banks and injected into the economy. The individual stands at the very end of this chain.
Human Money: Returning Value to the Individual A definition and classification of a new class of money
In an era where money is often perceived as something abstract, impersonal, and dictated by institutions, we dare a radical change of perspective. If money is understood as a social contract, space opens up for a concept with the potential to fundamentally humanize our economy: Human Money (Humangeld).
Human Money is not just another currency or a cryptocurrency; it represents an entire class of money.
Lecture: Digital Human Money – Diverse, Human, and Decentralized
For anyone wishing to gain a deeper understanding of how the symbiosis of human trust and money can function in a concrete digital form, this lecture is highly recommended.
Under the title “Digital Human Money – Diverse, Human, and Decentralized,” the apparent contradiction between technology and humanity is resolved. A particularly exciting aspect: this presentation demonstrates how a digital monetary system can function entirely without blockchain or massive server farms.