Abstract

Title: A Model for a Moneyless Digital Economy Using Contribution-Based Digital Credits Abstract: This paper proposes a conceptual framework for a moneyless digital economy system (MDES) that uses non-tradable contribution credits instead of traditional currency. Rooted in the principles of equitable access, contribution-driven participation, and sustainability, this model outlines the structure and functioning of a community-oriented, AI-assisted economy. The system ensures basic needs are universally guaranteed, while elective resources are accessed through earned credits based on meaningful contribution. The model is illustrated through a community simulation and supported by technological and social mechanisms. 1. Introduction The current global economic system, largely driven by capital accumulation and monetary transactions, often fails to equitably distribute resources or prioritize collective well-being. In contrast, a moneyless digital economy offers an alternative paradigm that emphasizes shared access, contribution, and sustainability. This paper presents a formal model for implementing such a system using digital technologies and community governance mechanisms. 2. Core Principles Access-Based Economy: Resources are accessed based on need and contribution, not purchased. Contribution-Driven Credit System: Digital credits are awarded for contributions to the community but are not used for wealth accumulation. Equal Human Value: All individuals are treated equally, and credits do not confer social or economic status. AI-Assisted Fairness: Artificial intelligence supports equitable resource distribution and conflict resolution. 3. System Components 3.1 Digital Identity Each participant is issued a secure digital identity. This identity is used to track contributions, resource usage, and preferences, while ensuring privacy and security. 3.2 3.3 Contribution Credit System (CCS) Contribution credits (CCs) are non-transferable digital units earned through volunteer work, service, education, innovation, and caregiving. These credits are temporary and expire to prevent hoarding. 3.4 3.3 Access Management System Resources are categorized as guaranteed or elective. Guaranteed resources (e.g., food, housing, healthcare) are freely accessible. Elective resources require a small number of CCs and are managed by a fair allocation algorithm. 3.5 AI & Community Governance An AI system manages logistics, optimizes task distribution, and ensures resource availability. Community governance bodies provide oversight and facilitate democratic decision-making. 3.6 3.5 Basic Needs Guarantee Universal access to food, shelter, healthcare, education, and digital tools is ensured without requiring credits. 4. Simulation: Harmony Village A prototype implementation of MDES is simulated in a fictional community, Harmony Village, with 1,000 residents. Roles & Contributions: Participants fulfill roles in health, education, infrastructure, technology, agriculture, and arts, earning between 2 and 4 CCs daily based on effort and community impact. Resource Access: Basic needs are universally accessible. Elective resources (e.g., virtual reality labs, travel, private workspace) require CCs. AI systems ensure fair scheduling and availability. Daily Operations: AI assigns tasks based on skills and interests. Contribution logs are updated in real-time. Community forums allow feedback and policy updates. Weekly Flow Example: A typical resident, Layla, earns CCs through arts education and gardening. She uses credits to access creative tools and participate in cultural activities. Her contributions and access are balanced, transparent, and reviewed weekly by the system. 5. Implementation Requirements Reliable digital infrastructure (internet, secure identity verification) Renewable energy and sustainable local production Transparent and auditable AI governance Holistic education promoting responsibility, empathy, and critical thinking Community-led adaptation and governance mechanisms 6. Conclusion The MDES model offers a viable framework for transitioning to a post-monetary economy focused on equity, sustainability, and human dignity. With the integration of digital identity, contribution tracking, and AI-assisted management, societies can reimagine access and participation beyond conventional monetary constraints. Future research may include real-world pilot programs, development of decentralized digital infrastructure, and sociological studies of community adaptation to non-monetary systems.