Fabrizio, where are you living? The simplest explanation for a relational currency would be: For each person there is a fixed amount of coins generated and yearly distributed between all accounts with a demurrage Fee like 5% or 10% So f.e. You, Arcurus and Me are starting each with 1000 Coins = total 3000 Coins We do some heavy, lovely trading of goods and services, now it looks like this: Me: 100 You: 500 Arcurus: 2400 Now every year, everyone will get 100 Coins as UD (Universal Dividend, 10% of the total Coins / 3 people) minus the DF (demurrageFee, 10% of each individuals account) Me: 10