Demurrage Currency Platform

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Demurrage Currency Platform

Inspired by a conversation on:

Money For the Rest of Us

Money For the Rest of Us

Resilient Wealth in an Era of Infinite Money

Host: David Stein

Timestamp: 16:14 - 17:10

Listen to Episode • View Podcast • All Ideas from Money For the Rest of Us

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Feather Flow

Direct Quote

"The whole idea of a Demerge currency is to encourage spending, more transactions, higher velocity of transactions, rather than hoarding of the money."

Market Gap

Current currencies lead to hoarding and reduced economic activity.

In many economies, the current monetary system encourages individuals to hoard cash rather than spend it, which can slow down economic activity and reduce the velocity of money. As people hold onto their money, businesses experience less cash flow, leading to reduced investment and growth opportunities. This hoarding behavior is exacerbated during times of economic uncertainty, where individuals prefer to keep cash reserves rather than invest or spend. The concept of demurrage currency addresses this problem by introducing a currency that loses value over time, thereby incentivizing individuals to spend rather than hoard. This can potentially stimulate economic activity and increase transactions in the economy.

Summary

The business idea involves creating a platform for a demurrage currency, where currency gradually loses its value over time unless spent. This concept encourages users to transact more frequently, thereby increasing the velocity of money in the economy. The platform could function as a digital wallet that allows users to hold this currency while also providing incentives for spending, such as discounts or rewards for transactions. By implementing this system in communities or specific markets, the platform could help alleviate the issues of money hoarding, stimulate local economies, and promote sustainable spending habits. This innovative currency model would appeal to communities looking to enhance economic activity and reduce stagnation.

Categorization

Business Model
Platform
Target Founder
Generalist
Difficulty
High
Time to Revenue
6-12 months
Initial Investment
$10,000+

Potential MRR (18-24 months)

Conservative
$5,000 - $10,000 MRR
Moderate (Most Likely)
$20,000 - $40,000 MRR
Optimistic
$60,000 - $100,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
7/10
Novelty
8/10
Feasibility
5/10
Market Potential
7/10
Evidence
6/10
Overall
6.6/10
Found on September 17, 2025 • Analyzed on September 17, 2025 8:25 PM

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How should I validate this platform idea before building it?

2:34 PM

Great question! For a platform idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Generalist to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

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2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

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Technical Strategy:

  • Start with no-code tools for rapid prototyping
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