MATHEMATICALLY SOUND MONEY ARCHITECTURE

Universal Basic Income via Zero-Interest Mutual Credit

IOUBI eliminates systemic interest, private bank money creation, and taxation drag by replacing debt-backed fiat with an algorithmic, velocity-driven mutual credit ledger.

The Five Fundamental Accounting Mechanics

The immutable mathematical bedrock governing liquidity, solvency, velocity, and non-speculative capital formation.

01

Deltar () — Closed System Numeraire

A pure unit of account pegged to the median hourly wage of regional labor. Deltar is never mined, lent at interest, or extracted by centralized seigniorage.

02

Personal Credit Limits (PCL)

Automatic zero-interest overdraft lines granted to every verified human. Adjusted continuously by regional cost of living, savings trend, and daily economic circulation.

03

Social Credit Limits (SCL) Crowdfunding

Enterprises cannot mint or borrow money from banks. Instead, individuals accrue SCL based on their PCL, which they can only gift to their chosen businesses in groups of 25 people or more. Businesses must continue to fundraise SCL if they want to continue to run a deficit.

04

Logarithmic Progressive Velocity Fee

A fee is charged on every transaction, based on the balance held in those two accounts - 1% min for all overdrafted accounts or 10% if both accounts have 10 decimal places (10 billion).

05

Democratic Safety Net & Dividend Pools

All the fees from yesterday become today's daily safety net and personal dividend. This covers a tax contribution, insurance premium and a UBI that each trend toward society's needs for them.

The Why and What

Direct architectural comparison between the debt-compound status quo and IOUBI's zero-interest mutual credit ledger.

LEGACY DEBT MONEY

Interest-Bearing Fiat System

01

Artificial Scarcity

Money is minted exclusively as bank debt carrying compound interest tribute (~6% overhead).

02

Systemic Fragility

Sluggish velocity (~1.2 turns/yr) requires massive capital debt supplies ($1.4M+ per capita).

03

Regressive Tax Extraction

30%+ income & sales taxation to finance fragmented, bureaucratic welfare safety nets.

IOUBI PROTOCOL

Zero-Interest Mutual Credit Engine

01

Abundant Zero-Interest Liquidity

Money is created instantly at point-of-exchange through mutual credit clearing.

02

High-Velocity JIT Clearing

Rapid daily circulation (~1.35 turns/day) reduces required money supply to just ~2,500.

03

Autonomous Living Dividend

A 1.4% velocity fee on commerce fully finances 100% of citizens' living floors without taxes.

Interactive Simulators

Test protocol parameters, logarithmic balance fee scaling, enterprise crowdfunding, and macroeconomic dividend clearing in real time.

Macro-Economy Personal-Enterprize Balance

Can the existing debt-backed system or a no-interest 1.4% velocity fee, afford UBI dividends?

$24,000 / yr ($65.75 / day)
Median Developed Living (Essential Stability & Healthcare)
70 : 1
Deep Modern Supply Chain (Global Multi-Tier Distribution, 70:1)
1.350 turns/day (493 turns/yr)
IOUBI Full Equilibrium (Healthy Daily JIT Clearing)
Status Quo | High Interest Drag | Slow Velocity

Status Quo (Legacy Debt & Tax System)

Net Tax Cost For Safety Net: -$19.57/day (-29.8% Net Tax Drain)
$0 (Break-Even) -30% Average Tax Drain -50% Max Tax Drag
Real Cost of Living: Includes 40.0% compound interest overhead across 70 supply chain steps.
$65.75/day
Net Daily Payout: Taxes extracted (~30% income & sales) minus fragmented welfare.
-$19.57/day
Money Supply: Total debt capital required to mediate trade at 1.2 turns/year.
$1,420,000
Systemic Interest Overhead: Annual 6.0% interest tribute paid to banks to keep money in existence.
$233.42/day
IOUBI System | Zero Interest | Velocity Driven

IOUBI Protocol (Mutual Credit Engine)

Coverage of Living Needs: 100.7% Covered
0% 100% (Full Living Floor) 300% (Abundance)
Real Cost of Living: Zero interest markup! Products cost 40.0% less at checkout.
39.45/day
Net Daily Living Dividend: Velocity fee pool automatically covers 100.7% of daily living needs.
+39.73/day
Money Supply: Just-In-Time clearing at 1.350 turns/day reduces money supply by 99.8%!
2,075
Systemic Interest Overhead: Zero interest forever. No banking tribute. Capital remains with producers.
0.00/day
⚡ Perfect Macro-Equilibrium Achieved: At 1.350 turns/day, the 1.4% transaction fee on 70 commercial steps fully finances 100.7% of citizens' living floors without taxes.

1. Legacy System Constants & Assumptions

  • Target Living Standard: $24,000.00/yr ($65.75/day)
  • Supply Chain Depth: 70 commercial steps per personal purchase
  • Commercial-to-Personal Ratio: 70:1
  • Annual Velocity (V): 1.2 turns per year (Status Quo benchmark)
  • Interest Cost: 6.0% annual weighted average carrying cost on debt capital
  • Net Tax Drag: -29.8% average tax drain for welfare and public overhead

2. Status Quo Derived Metrics

  • Total Daily Spending: $4,668.49/day
  • Required Money Supply: $1,420,000.00
  • Daily Interest Tribute: $233.42/day ($85,200.00/yr per capita)
  • Net Daily Welfare Payout: -$19.57/day (Citizens are net tax-negative)

3. IOUBI Engine Transformations

  • Zero Interest Effect: Cost of living drops from $65.75 to 39.45/day
  • Daily Velocity (V): 1.350 turns/day (493 turns/year)
  • Total Daily Spending: 2,801.10/day
  • Required Money Supply: 2,074.89 (Money supply down by 99.8%)
  • Daily Fee Pool Collected (1.4%): 39.22/day
  • Daily Living Dividend Distributed: +39.73/day

Personal & Enterprise Credit Simulator

See how personal activity generates zero-interest credit and how community consensus funds enterprise growth.

TIER 1

Personal Credit Limit (PCL) Mechanics

2,000
2,000 (Low Inequality System Minimum Floor)
1.00x
5 (Global Baseline Average)
2.0x
2 (Consistent Earning & Savings)
2.0x
High Daily Circulation (6+ transactions/day — 2.0x Max)
20,000
Standard Unspent Balance (Active Reserve)
Calculated Personal Credit Limit (PCL):
2,000 × (1 + 1.0 + 2.0 + 2.0)
12,000
Daily SCL Accrual Rate: 27.4/day
Available SCL to Gift: 10,000
TIER 2

Enterprise Crowdfunding

25 Backers
25 Backers (Minimum Required Group Size)
2,000
2,000 (Micro Supporter Base)
8,000
4.0x Max Allowed Spread (Anti-Whale Rule Limit)
Unlocked Enterprise Credit Line: 125,000
25 Backers × Avg 5,000 = 125,000

24-Month Credit & Overdraft Runway

SCL Credit Ceiling (Stepped Decay w/6 Month Refresh) Enterprise Overdraft Utilization
Demonstrates the 25% quarterly decay of donated SCL limits alongside a 6 month community backing renewal.

Progressive Transaction Fee Calculator

Calculates the dynamic velocity fee percentage based on the logarithmic balance scale of both parties.

Fee contribution: 3.10%
Fee contribution: 2.48%
Average Fee For Transaction
2.79%
Fee % = average(log10(max(10, Balance₁)), log10(max(10, Balance₂))) / 100
/ hr
Benchmark: Global Average / Median Income (~40,000/yr)
Dynamic Velocity Fee Amount: 1.40
Net Received by Payee: 48.60
Fee Equivalent in Your Work: 4.19 mins
75%

Living Dividend Pool (UBI)

1.047 3.14 mins of work

Disbursed directly and equally to every active human account at the daily midnight epoch.

Public Goods Pool (Ins and Grants)

0.279 0.84 mins of work

Covers universal civic healthcare claims, insurance guarantees, and community grants.

5%

Government Contribution Pool (Individually allocated)

0.070 0.21 mins of work

Directly and individually allocated by each transaction participant to municipal services and civic infrastructure of their choice.

Home & Asset Purchase Simulator

Model primary homebuying and major capital acquisitions through zero-interest mutual credit overdraft limits and community backing.

Qualification Daily Inflow Target
62/day
Balance must rise by 62/day ($1,875/mo) for a majority of last quarter
✓ Sufficient Credit for Purchase
Full Payoff Time
0.0 Years
At 0% compounding interest, 100% of your surplus amortizes principal straight to zero.
Time to Permanent Safety Floor
0.0 Years
When overdraft balance climbs above -$0, spending cannot freeze regardless of daily trend fluctuations.
Monthly Wealth Retained
$0/mo
Freed from rent ($1,500) and interest.

Amortization & Overdraft Runway (Zero-Interest Recovery)

Negative overdraft balance climbing upward to the debt-free baseline

Account Overdraft Balance Dynamic Credit Limit (Follows Daily Economy) Permanent Baseline Credit Floor
SECTION 1

Your Current Finances (Dollar System)

$0
Cash reserves you can transfer into Deltars to build your initial credit rating.
$3,000
Total net earnings from work, business, or investments.
$1,500
Your current housing payment that will disappear once you buy your home through IOUBI.
$500
Food, utilities, transport, and basic necessities (excluding housing).
$0
Current insurance costs you expect to replace through IOUBI network coverage.
SECTION 2

Target Purchase & Community Boosts

200,000
Price of your target home in Deltars.
0
Direct credit line capacity pledged to you by friends, family, or community backers.
Net Overdraft Line Needed: 200,000
Monthly Surplus Amortization: 2,500/mo
Permanent Credit Floor Protection: 15,600
3,000
Global baseline credit floor set by macroeconomic balance.
1.2x
Multiplier for local cost of living differences.
2.0x
Multiplier reflecting frequent daily economic circulation.

The Documentation Hub

Access official protocol literature, technical specifications, and foundational research papers.

BEGINNER GUIDE

IOUBI Explained in 7 Simple Steps (ELI5)

A visual, easy-to-understand breakdown of how zero-interest mutual credit restores purchasing power, eliminates inflation, and guarantees universal basic security.

TECHNICAL SPEC

Protocol Whitepaper & Accounting Mechanics

The rigorous mathematical formalization of the five fundamental mechanics, state transition matrices, and distributed consensus proofs.

FOUNDATIONAL BOOK • PUBLISHED SOON

"Healing Money" by Todd McKissick

The definitive socio-economic treatise diagnosing why compound interest inevitably centralizes power, and how mutual credit heals modern society.

KNOWLEDGE BASE MANUAL

IOUBI Frequently Asked Questions (Official FAQ)

The comprehensive 6-category reference manual covering Deltar time-pegging, credit overuse valves, SCL crowdfunding, peer-jury governance, and speculative attack immunity.

🔬

Support & Academic Collaboration

IOUBI is an open, independent research and architectural modeling initiative exploring post-scarcity monetary mechanics and zero-interest mutual credit. We invite academic researchers, mathematical modelers, economists, and community supporters to collaborate on our formal specifications, test simulation assumptions, and help advance this economic model.

Frequently Asked Questions

Search protocol mechanics, economic guarantees, zero-interest credit limits, and real-world implementation rules.

SECTION 1

System Fundamentals, Deltar Currency & Debt Elimination

The Deltar () is a zero-interest unit of economic account representing a proxy for human time. Rather than being pegged to an arbitrary gold standard or fiat decree, the global purchasing value of the Deltar is anchored by averaging everyone’s collective psychological conversion rate of what they value their personal labor time at. While prices of goods remain standardized globally (e.g., a loaf of bread costs 2 Deltars), individuals decide how much of their own time it takes to earn those two Deltars.

In today's system, money is created as bank debt carrying compound interest, creating a 40% hidden overhead built into all retail prices. IOUBI eliminates compound interest completely. Furthermore, currency is only created when an individual or business overdrafts to clear trade, and it is permanently destroyed when debt is repaid back to the system. Without interest drag or unbacked currency floods, prices naturally trend down toward their true productive cost.

SECTION 2

Personal Credit & The Credit Overuse Valve

Your PCL is calculated dynamically every day based on four core factors:

  • 1. Inequality Base Floor: Automatically expands for everyone if global wealth concentrates at the top.
  • 2. Regional Living Index: Adjusts for local cost-of-living differences.
  • 3. 90-Day Balance Trend: Rewards consistent, healthy account management.
  • 4. Daily Transaction Velocity: Reflects your active participation in the real economy.

Your 90-day balance trend is the most sensitive lever in your PCL calculation. If you max out your credit line to buy luxury assets (like three homes) and your balance trend drops, your PCL will automatically shrink. If your negative balance drops below your new, lower PCL limit, your account spending is instantly frozen. You keep full ownership of your assets (no foreclosures or repo men), but you cannot spend a single Deltar until your daily UBI dividend and income restore your balance above your credit floor. Short-term credit abuse paralyzes your daily liquidity.

SECTION 3

Business Funding & Social Credit (SCL)

Businesses do not receive a daily UBI dividend or an automated credit limit. Instead, they raise Social Credit Limit (SCL) donations from everyday citizens. Citizens accumulate unspent SCL daily based on their personal credit status which they can only give to local enterprises, raising the business's zero-interest overdraft ceiling.

All SCL crowdfunding campaigns enforce two strict rules:

  • 25-Donor Minimum: A campaign requires at least 25 distinct human supporters to be valid.
  • 4x Anti-Whale Rule: The largest single SCL donation in a campaign cannot exceed 4 times the smallest donation.

Even a billionaire cannot dominate a business's credit line—enterprise funding requires genuine community consensus.

All donated SCL decays by 25% every 3 months (100% annual expiration). This forces businesses to continuously deliver real value, quality goods, and trust. This allows them to earn renewed SCL from the community and maintain the credit they still need.

SECTION 4

Safety Nets, Governance & The Fee Pool

A single, microscopic 1.4% average fee is collected across all daily transaction velocity. This single fee replaces income tax, sales tax, corporate tax, credit card swipe fees, and government debt. Every midnight, 100% of collected fees are split into three pools:

  • 75% Living Dividend Pool (UBI): Distributed equally to all human accounts as a daily cash living floor.
  • 20% Public Goods Pool (Ins and Grants): Funds community grants and universal insurance for all needs.
  • 5% Government Contribution Pool: Direct-allocated by citizens to fund public administration, regulation, and enforcement.

Claims are reviewed on a private platform by a randomly selected, volunteer jury of everyday peers serving a single shift. Once a claim is approved by consensus, automated payments begin immediately to keep velocity moving.

Members can adjust their desired pool split daily after seeing the Social jury’s recommendations. These votes are averaged from all members to nudge daily changes. To prevent economic shocks, votes can only shift pool allocations by a maximum rate of 0.001% per day. A complete 1% shift requires 1,000 days of unanimous global consensus.

SECTION 5

Real-World Applications & Housing

Regardless of your balance, earning excess above your spending raises your balance each day. This increases your overdraft credit limit. You can also top off the limit if others gift you some of their PCL. To buy large items like a home, just keep that limit larger than your negative balance as you repay it. Of note is that accounts that maintain a positive balance never use their PCL, making it free to give to others. Because corporate landlords and institutional investors must extract profit and pay interest, they cannot compete with zero-interest homeownership. Housing shifts from a speculative financial asset back to something used by its owner.

The dividend always trends eventually toward matching the income shortfall across the whole system. If its members choose to work enough to pay all of their normal expenses, they will not create excess money by overdrafting. In that case, the dividend remains low. If they choose to work 50% as much, either voluntarily or through unemployment, the dividend gradually rises because more overdrafting increases the money supply. Under IOUBI, automation is a blessing, not a threat. As AI drives production costs toward zero, goods become cheaper because of pure prices and competition. As money supply & velocity increases, the transaction fee continues rising toward fully funding the cost of living, at any level it settles to. Money ceases to be a scarce survival token and becomes like rainwater in a garden - an abundant tool used simply to connect human demand with automated abundance.

SECTION 6

Pricing Stability & PEG Isolation

No. Pump-and-dump schemes only work on assets with an artificially fixed supply traded on speculative order books. IOUBI is a decentralized mutual-credit ledger where currency is created elastically at the moment of trade through Personal Credit Limits (PCL) & Social Credit Limits (SCL) and cleared upon settlement. Because there is no scarce token bottleneck to corner, a speculator cannot starve the community of liquidity or bid up the price of internal trade. The money supply expands and contracts automatically with real human productivity, isolated from all changes in the global supply.

No. Short-selling requires borrowing an asset from a broker or lending desk, dumping it on the market, and buying it back later at a lower price. IOUBI has no margin desks, no rehypothecation, and no interest-bearing lending pools. Credit is issued strictly as a non-transferable internal credit limit tied to verified human average cost of living and it originates from each person’s desire to give out their IOU. Because nobody can borrow your credit line or idle Deltars to execute a margin trade, short attacks are physically and mathematically impossible on this ledger.

The attack triggers an instant, self-healing arbitrage loop that weaponizes the attacker's own money against them. In traditional financial markets, arbitrage enriches predatory lenders and high-frequency traders at the expense of real workers. Under IOUBI, that dynamic is completely inverted: If a speculator dumps Deltars on an outside exchange at 40 cents on the dollar to induce panic, workers carrying negative balances (such as a local machine shop that drew down credit to purchase tooling) will immediately scoop up those discounted Deltars on the open market and retire their equipment debt at a 60% discount. Local merchants and workers quickly absorb the rest to purchase raw materials, food, and real labor at a bargain. Instead of collapsing the system, the dump functions as a massive, non-refundable cash subsidy paid by the attacker directly to the targeted members in the physical goods economy. The speculator loses real capital, while the working community uses the attacker's lost funds to wipe out debt and acquire physical assets.

Because internal prices are anchored to human labor time (The Time Standard: 20 Deltars/hour), not to speculative exchange tickers. If the US Dollar or Bitcoin swings in value in London or Tokyo, a local carton of eggs, an hour of CNC machining, or a haircut inside the network does not change price every five seconds. The cost to produce real physical goods remains stable because the underlying tools, materials, and labor are settled outside the speculative debt-interest matrix. In summary, people set their price of overdrafting their own account independently of outside changes and the system averages those numbers across the globe. This is the reverse of how other currencies are priced.

2026 IOUBI Research & Architectural Roadmap

Theoretical and architectural roadmap formalizing zero-interest mutual credit mechanics, simulation models, and governance frameworks for community evaluation.

⚡ 2026 Research & Specification Trajectory

64.8% Complete (Week 29 of 44)
Project Start: Apr 07 Core Specification Completion: Feb 08, 2027
May 05
✓
Engine Foundations
Phase 1 (Week 4) COMPLETED
Private repository setup, 100% deterministic economic math engine, BaseCL/PCL/SCL formulas, 1.4% transaction fee algorithms, regional cost balancing, and Technical Whitepaper (Released).
May 26
✓
Ledger & State Engine
Phase 2 (Week 7) COMPLETED
Append-only cryptographically linked transaction ledger, late pending event handlers, synchronization proofing.
Jun 23
✓
Distributed Topology
Phase 3 (Week 11) COMPLETED
Tiered L1/L2/L3 node communications, regional routing, daily macro-epoch distribution, and stale-leader fencing.
Aug 11
✓
Cryptographic Security
Phase 4 (Week 18) COMPLETED
Zero-knowledge identity verifiers, passkey/WebAuthn integration, biometric boundary scoring, and audit logging.
Sep 01
✓
Governance & Jury System
Phase 5 (Week 21) COMPLETED
Peer jury selection hooks, official public department voting rules, and transparent consensus tracking.
Nov 30
⚡
Interface & Prototype Modeling
Phase 6 (Week 34) IN PROGRESS (Day 37 of 64)
Expanded to 64 working days. Interactive UI/UX mockups, personal checking interface workflows, business kiosk models, and governance dashboard designs.
Dec 28
Economic Attack & Game-Theoretic Modeling
Phase 7 (Week 38) UPCOMING
Theoretical stress-testing, sybil resistance modeling, collusion simulation analysis, and mathematical edge-case validation.
Feb 08
🚀
Pilot Feasibility & Cohort Framework
Phase 8 (Week 44) UPCOMING (FRAMEWORK)
Framework design for potential future community trials, cohort simulation protocols, and empirical research evaluation metrics.

Future Expansion Projects

The Post-Scarcity Ecosystem Built on the IOUBI Foundation

While the core IOUBI protocol establishes a stable, high-velocity mutual-credit currency and Universal Basic Income ledger, sound money is only the foundation. Once everyday transactions, Zero-Knowledge Proof (ZKP) credentials, and decentralized node infrastructure are in place, the same underlying architecture can replace society’s most expensive, adversarial, and bureaucratic institutions.

Explore the four horizon modules designed to plug directly into the IOUBI network—transforming insurance and grants, global supply chains, personal data ownership, and civic consensus.

COMMUNITY ADJUDICATION

Insurance & Grant Peer Jury

Traditional insurance companies and grant foundations share the same fatal flaw: massive administrative overhead built on adversarial gatekeeping. Insurance adjusters are incentivized to deny claims to protect corporate profits, while grant committees burn months of human capital debating bureaucratic criteria. Worse, traditional systems attach a social stigma to needing recovery assistance while treating innovation grants as an elite privilege.

In the expanded IOUBI ecosystem, both functions are merged into a single, seamless mechanism: The Unified Social Good Pool, adjudicated on a dedicated external portal by everyday IOUBI members serving a once-in-a-lifetime civic duty.

Why Insurance and Grants Are Treated Identically

Whether a member is recovering from a house fire or building a neighborhood tool library, the macroeconomic reality inside IOUBI is the same: money spent into circulation does dividend work for everyone.

🤝

Stigma is eliminated

Restoring a loss and building something new are recognized equally as vital contributions to community resilience and economic velocity.

⚡

Zero bureaucratic bloat

There are no separate departments, policy tiers, or compliance officers burning overhead and delaying assistance.

🛡️

Macro-scale resilience

In a high-velocity mutual-credit system, the administrative cost of policing every edge case far outweighs the negligible impact of an occasional imperfect claim. Once a claim is approved, the payout schedule is locked in—relying on transparency and community culture rather than heavy-handed clawback apparatus.

How the Peer Jury Portal Works

Every IOUBI member continuously influences the size of the Social Pool by voting in-app on the macro allocation percentages directed toward Social Good and Government budgets. To distribute those funds, members can opt in to the Jury Availability Registry. Because the member base is vast, being selected for jury duty is likely a once-in-a-lifetime civic milestone.

Phase 1 • Selection

Enlistment & Shift Selection

When selected from the registry, a member chooses a convenient 4-to-8-hour time slot and receives access credentials to the external Jury Portal, authenticating securely with their existing IOUBI ID. Active juror invitations scale dynamically in real time whenever claim volume backs up.

Phase 2 • Diversity

Global Context & Live Dashboard

Upon logging in, jurors see a live macroeconomic dashboard displaying the current hourly budget, historical approval rates, and past spending breakdowns across time zones. A typical shift places a dozen or more jurors spanning 6 to 12 time zones in each claim process simultaneously—ensuring broad cultural diversity and eliminating regional bias or collusion. Jurors use historical regional data as context, applying their own human judgment on what mix of recovery and growth the community needs.

Phase 3 • Application

Self-Moderated Daily Drip Proposals

When filing a request, claimants are guided to propose a daily payout schedule and duration matched to their actual day-to-day spending needs, rather than demanding a single lump sum. Because well-paced daily schedules carry much higher odds of juror approval, claimants naturally self-moderate their requests before they ever reach the queue.

Phase 4 • Deliberation

Proportional Reading Timer

Jurors browse the chronological claim list by title and select requests to inspect. To prevent reflex clicking—and to encourage claimants to write clear, concise applications—the portal enforces a dynamic minimum review timer scaled to the text length (for example, 15 seconds for a concise 500-character summary, scaling up to 45 seconds for 1,500 characters, and proportionally longer for sprawling essays).

Phase 5 • Verdict

The 3-in-a-Row Consensus Race

Once the reading timer clears, the juror casts a simple binary vote: Approve or Deny. Votes on each claim are pitted in a live streak race across the active juror pool. The moment 3 consecutive jurors cast the same vote—three approvals in a row or three denials in a row—the verdict locks in and the claim immediately vanishes from all screens. If a claim is denied, there is no permanent penalty; the member can refine their documentation or payout schedule and reapply the next day.

Phase 6 • Settlement

Automated Execution

When a claim achieves a 3-vote approval streak, the external portal transmits the approved daily payout schedule back to the core IOUBI network. The Admin Node automatically drips the approved daily amount into the claimant's account each day until the schedule is fulfilled.

The Cultural Feedback Loop

Jurors receive no special financial bounty for how they vote—the reward is the rare honor of directly stewarding community abundance during their single shift. Because serving on a jury is a memorable life event, returning jurors naturally share their experiences, stories, and observations with friends, family, and local communities. This creates an organic, society-wide feedback loop: public understanding of what makes a fair claim—and how the Social Pool is performing—continuously informs how everyday members vote on the macro budget sliders in the IOUBI app.