CBER in everyday life

The goal is to pay, receive and trade in CBER. This includes energy, work, goods and services. These examples describe the design; no real payment service exists yet.

Shopping and services

A baker can price bread in CBER. The design lets you pay using your available Basic Pulse budget or Luxury Coin. The baker receives a backed payment and can spend it again. The rule is defined: the recipient receives Luxury Coin. The payment function still needs to be built.

Payment does not consume reserve energy. The claim changes hands. The baker does not have to produce energy or immediately redeem the currency for electricity.

From Basic Pulse to Luxury Coin

A payment from the Basic Pulse debits the payer’s available basic budget. The recipient receives that amount as Luxury Coin, free to hold, spend or trade. It does not expire at the end of the payer’s day. Existing fund claims move to the recipient: total issuance and the energy reserve stay unchanged.

Work and income

Work can be paid in CBER when the parties agree. That is ordinary trade inside CBER. The design does not require wages or groceries to stay in euros.

Agreeing a payment does not issue new coins. The payer uses an existing balance. Real wage payments need separate practical and legal arrangements.

Your Basic Pulse

Everyone participates in a personal daily budget supported by renewable sources. The bank regulates its size. New renewable input first funds the missing basic budget; remaining issuance becomes Luxury Coin.

You may spend the available budget in trade or use it for energy. Entitlement to future days remains personal. Unused daily entitlement expires; unused funding remains in the fund.

The target is not a guarantee of sufficient supply. Low generation, losses or a larger group can reduce actual backing. The stress report makes that visible.

Your Luxury Coin

You can receive Luxury Coin from remaining energy issuance or from someone paying you. You can spend, hold or sell it. Owning solar panels or consuming electricity is not a condition for being interested in the currency.

Balances share confirmed reserve losses. Exchange rates can also change. Holding coins promises neither a fixed return nor stable purchasing power.

Buying and selling against other currencies

Buying or selling CBER against euros or another currency goes through the door. A buyer and seller must agree on amount, rate and settlement. A tradable currency does not necessarily have a buyer at every moment.

The website does not operate a real exchange yet. CBER payments themselves do not require an exchange.

Housing and larger purchases

You can pay rent with the Basic Pulse. If the landlord accepts CBER, you can pay using your available Basic Pulse budget or Luxury Coin. A payment from the Basic Pulse reaches the landlord as Luxury Coin. This is an ordinary payment for use of the home.

A bicycle or laptop can also be priced in CBER. The purchase makes no difference. A CBER payment stays inside; exchange with another currency goes through the door.

Building ownership without debt

CBER has no debt or promises of future payment. You can buy existing ownership step by step. Each payment immediately purchases an agreed share. You have no obligation to buy the remainder later; it remains the seller’s property.

For example, you buy 10% of a home, then another 5%. You now own 15%. The remaining 85% is not your outstanding debt. Stopping further purchases does not undo the share already bought. Use, management and costs of shared ownership need separate agreements; paying for use does not itself buy ownership.

The currency payment and the ownership transfer are separate actions. The current experiment processes coin payments, but has no registry or settlement for these ownership shares yet.

Privacy and operations

A real installation must protect balances and payments. The simulator uses fictional people and local test data. Broader identity and oversight proposals are in governance; they are not proof that a production service exists.

What can you try today?

The neighbourhood simulator supports energy input, coin transfers, basic energy and fault recovery. Merchant payments from the Basic Pulse and exchange against euros are not built yet.