The road ahead

What needs to happen next

IOUNet works. The mathematics is proved. The simulation runs at planetary scale. What remains is the human work of making it real. Here is the roadmap — in rough order of priority.

1 — Outreach

Get people interested

Use this website to reach the first wave of interested people. The demonstrations are live and working — anyone can try them. Share the link. The argument makes itself.

2 — Media

YouTube presentations

Video presentations in English and French explaining the principles, using the live demos on the site. Then German, Spanish, Arabic — each language opens a new audience of hundreds of millions.

3 — Community

Join the IOUNet group

Sign up with name, location, and contact details to receive updates and be part of the first IOUNet community. Via email, WhatsApp, or newsletter — stay connected as the system develops.

4 — Platform

User accounts & IOUNet IDs

Develop the sign-up system: phone number as identity (like WhatsApp), a unique IOUNet identifier, and a secure personal ledger. No bank account. No credit check. Just a phone.

5 — Core system

Send & receive IOUs

Build the IOU transaction system: date, sender, recipient, amount in ⊙, category, description. Automatic cycle detection and cancellation. The mathematical heart of IOUNet, now in production.

6 — Trust system

Accept or refuse IOUs

Users decide whom to trust. Accept or refuse incoming IOUs. Set automatic acceptance from trusted contacts. Trust is the currency — the system formalises what communities already do informally.

7 — Mobile

iPhone & Android apps

Native apps for iOS and Android. Emit and accept IOUs from your phone. Push notifications when a cycle cancels your debt. The full IOUNet experience in your pocket.

8 — Payments

AppleOwe & GoogleOwe

Integration with Apple Pay and Google Pay workflows — tap to send an IOU, just as you tap to pay. The same gesture, zero transaction cost, no bank involved. The toll booth, bypassed.

9 — Merchant

Merchant terminals

A QR-code terminal for shops, markets, and services. Customer scans, confirms amount, IOU sent. The Saturday market trader saves 3% on every transaction that clears through the network.

10 — Academic

Publish the paper

Write the formal mathematical proof of the IOUNet Principle for an economics or complexity science journal. Academic credibility opens doors that websites cannot.

11 — Politics

Political outreach

Any party that promises to route economic life outside the debt-money system has an extraordinary platform. The argument: IOUNet does not threaten the existing system — it simply makes it unnecessary.

12 — Jubilee 2026

Set the date

Pick a day. Build the campaign. Invite every IOUNet user to reach zero on that date. The first global jubilee in 3,400 years — bottom-up, voluntary, mathematical, and free.

Want to help? IOUNet is open source. Every contribution — code, translation, outreach, legal research, community building — is a ⊙ well spent. The project has been running since 2014. The mathematics is done. What remains is the human work.

GitHub → Learn More 📢 Jubilee 2026