The end of debt. The beginning of flow.

Creditism is a new kind of money. It reaches you because you exist, and deletes once it is spent, so it never becomes a claim on your future.

Join AYU early Founding Phase closes October 31
Specimen. Credit comes later, when the network can hold it.

Survival shouldn't be a subscription.

From age eighteen, every person is guaranteed one home.

A front step on a quiet morning, the door open, nothing waiting on the mat. The same front door shut on a grey afternoon, the mailbox beside it stuffed with bills.
The old game The new game

Spend it, and it's gone.

Money passes on and piles up where it is owed. Credit is spent once, then deletes. It never becomes a claim on anyone's future.

Two hands clamping a glued joint on an old wooden chair in a shared workshop.

Not the absence of rules. The absence of a leash.

Your home isn't tied to a job, so leaving one never costs you a roof. Work becomes contribution, not coercion.

The people building it

“We are not asking for charity. We are asking for participation. For co-creation. For system change.”

The founders of Common Planet Foundation
  • Adelina BajramiAdelina Bajrami
  • Remzi BajramiRemzi Bajrami
  • Adam StallardAdam Stallard
  • Eli CapracottaEli Capracotta

A U.S. nonprofit in Portland, Oregon, working on one question since 2015: what kind of world do you want to live in? Our story

It starts with AYU.

AYU means life. It is the members' network where Creditism takes shape before it goes live. You're not waiting for a better world. You're helping start one.

  1. Now, until October 31Founding Phase
  2. Fall 2026Trust Expansion
  3. Public launchOpen Network
  4. When the system is readyCredit activation

Founding Phase member

What you receive in AYU Points

On joining
3,000
Verifying you're one real human
1,500
Every week
90
Join AYU early Founding Phase closes October 31

AYU Points are a permanent, non-transferable record of participation. Not money.

Not joining as a member? Partner with AYU, free to apply, or fund the build.

The book Common Planet: A New Game of Life, by Remzi Bajrami.

Not ready to join? Start with the book.

Read it free Follow the series Ask Creditism Sage
Neighbors working the beds of a shared garden in late afternoon, a long table and teapot in the middle.

“Make the world work, for 100% of humanity, in the shortest possible time, through spontaneous cooperation, without ecological offense or the disadvantage of anyone.”