The Central Credit Exchange is a network of digital and physical currency users rallied to the economic application of one primal mathematical proof: {-1 + 1 = 0}.  

How it works

The medium of exchange is Talents.  A Talent has no set value but it is suggestively considered to be worth the equivalent of one hour of minimum wage labor. 

Begin with an account balance of 0 and the ability to create unlimited Talents.

Talents created may not be credited to one’s own account.  

Talents are gained through real-world transactions of barter, trade, gift giving, etc. 

  ☆  Z-scores for user accountability  ☆

Habit score is the total number of Talents spent.  It never decreases.