Interactive Companion touvd.xyz

What if money
were fair?

This interactive pitch deck explores the economic model behind Universe Dollar — a protocol where monetary creation is mathematically equal for every participant. Run the simulations. See the proof.

Start the StoryOfficial Site

The Problem

Every day, your savings
lose purchasing power.

When central banks expand the money supply, the first recipients — financial institutions, governments, large corporations — spend at yesterday's prices. By the time new money reaches ordinary people, prices have already adjusted upward. Economists call this the Cantillon Effect. We call it a structural transfer of wealth from the many to the few.

The question is not whether this happens — it is measurable, documented, and ongoing. The question is: how much has it cost you, personally?

Time-Theft Calculator

How much has inflation stolen from you?

Enter your details to discover how the current monetary system has eroded your purchasing power — and what symmetric money creation would have meant for you.

Your Parameters

19502005
50020,000

Based on historical average inflation rates. Actual individual impact varies by spending patterns, investments, and local conditions. Sources: World Bank, FRED, ECB.

How is this calculated?
Purchasing Power Lost
49.74%
over 20 years
Total Value Lost
19,168
EUR equivalent
UVD Would Preserve
~16,292
EUR in purchasing power

Purchasing Power Over Time

Fiat currency vs. UVD — indexed to 100 at start

The Model

Symmetric money
creation, proven.

The Relative Theory of Money, formalized by Stéphane Laborde in 2010, demonstrates that there is exactly one class of monetary systems where no individual is structurally advantaged over another: systems where newly created units are distributed equally to all participants via a Universal Dividend.

Universe Dollar implements this framework on a blockchain layer. The simulation below lets you adjust the parameters — member count, growth rate, time horizon — and observe the mathematical invariants in real time.

RTM Live Simulator
RTM Live Model

Relative Theory of Money — Visualized

Explore how the Universal Dividend distributes newly created money symmetrically. Adjust parameters to see the mathematical proof in real time.

Members (N)
10,000
1001,000,000
Growth Rate (c) — % / year
10%
1%20%
Simulation Period (years)
40
5 yrs80 yrs (lifetime)
RTM Formula:UD(t+1) = UD(t) + c² × (M(t) / N(t+1))

Total Money Supply (M)

Growth over time — shared equally via Universal Dividend

Universal Dividend Per Person

Each member receives the same UD — no Cantillon effect

Key Insight: Symmetric Money Creation

In the current fiat system, new money enters through bank lending — benefiting those closest to the source (the Cantillon Effect). With RTM, every member receives exactly the same share of new money creation. After 40 years with 10,000 members, each person's cumulative UD is 54,833.86 units — regardless of when they joined. This is temporal symmetry.

View RTM formula derivation & data sources
Real-World Comparison

Same groceries,
two price tags.

Pick a country. See a standardized basket of essential goods — housing, energy, food, transport — priced in both the local fiat currency and UVD over time. The divergence is not hypothetical. It is arithmetic applied to publicly available inflation data from the World Bank, ECB, and FRED.

Sovereign Basket Index
Sovereign Basket Index

The Inflation Reveal

Same goods, two price tags. Watch how fiat inflation erodes the cost of living while UVD maintains stable purchasing power through basket-indexed measurement.

Projection:20 years

Basket: Germany

Monthly cost of living index — EUR

50m² Rent (monthly)
Base: 750 EUR
1,492.34
780.58 UVD
100 kWh Electricity
Base: 32 EUR
63.67
33.3 UVD
Public Transport Pass
Base: 49 EUR
97.5
51 UVD
Basic Groceries
Base: 250 EUR
497.45
260.19 UVD
1L Milk
Base: 1.05 EUR
2.09
1.09 UVD
1kg Bread
Base: 2.8 EUR
5.57
2.91 UVD
Total after 20 years
2,159 EUR
+99.0% inflation
1,129 UVD
+4.1% stable

Basket Price Comparison

EUR
UVD

Total monthly basket cost — Germany (3.5% avg. inflation)

View basket composition & inflation data sources

Beyond Individuals

A monetary anchor
for institutions.

The Sovereign Basket is not just a personal hedge — it is a framework for states, pension funds, central banks, and multilateral institutions. Instead of pegging to a single reserve currency (typically USD), a nation can anchor its monetary policy to a diversified, transparent index of real-world value.

Sovereign Funds

A government can allocate reserves across gold, energy, agriculture, and stable fiat currencies — reducing dependence on any single geopolitical actor.

Pension Systems

Retirement funds denominated in a basket-indexed unit maintain purchasing power across decades — unlike fiat-denominated pensions that silently erode.

Trade Settlement

International trade priced in a neutral, basket-indexed unit eliminates exchange-rate risk and the structural advantage of reserve-currency issuers.

Below, you can construct your own basket. Drag in currencies, commodities, and real assets. Adjust the weights. Watch how the composition changes the stability metrics in real time — the same way a treasury or central bank would model its reserves.

The Sovereign Basket

Build your own
stability index.

UVD is backed by a diversified basket of currencies, commodities, and real assets — not a single fiat currency. Drag assets into the basket to see how composition affects stability. This is how states, institutions, and sovereign funds can construct a monetary anchor that resists any single point of failure.

Available Assets — drag or tap to add

British PoundGBP
Fiat Currency+4.0%/yr
Turkish LiraTRY
Fiat Currency+25.0%/yr
Argentine PesoARS
Fiat Currency+60.0%/yr
Crude OilWTI
Commodity+3.0%/yr
WheatWHEAT
Commodity+4.0%/yr
Real Estate IndexRE
Real Asset-5.0%/yr

UVD Sovereign Basket — drop assets here

EuroEURFiat Currency
2020: €1.00→2025: €0.84
25%
US DollarUSDFiat Currency
2020: $1.00→2025: $0.83
25%
GoldXAUCommodity
2020: $1,770/oz→2025: $2,650/oz
30%
BitcoinBTCCryptocurrency
2020: $9,200→2025: $97,000
20%
Basket Composition100% allocated
EUR 25%
USD 25%
XAU 30%
BTC 20%
Net Inflation
-6.0%
weighted annual avg.
Volatility
16.7%
weighted avg.
Diversification
97
out of 100
Stability Score
77
out of 100
Fiat vs. Hard Asset Balance
Fiat Currencies50%
Hard Assets50%

✓ Balanced composition. Good mix of liquidity (fiat) and inflation protection (hard assets).

Go Deeper

Understand the
language of money.

Every term used on this site is precisely defined, with deep dives and primary source references. From the Cantillon Effect to Lazy Claiming — the glossary is your entry point into the economic theory behind the protocol.

Open Glossary
Knowledge Base

Glossary of Truth

Precise definitions backed by primary sources. Understanding the language of money is the first step toward monetary sovereignty.

The math is public.
The protocol is open.

This companion site presents the economic simulations and research supporting Universe Dollar. For the full project — whitepaper, shortpaper, and roadmap — visit the official site.

Visit uvd.xyzRead Shortpaper