The gold anchor
Register a citizen
Yearly rates
Registered citizens
What this demo is, and isn't
What's real here
The gold reference price is fetched live from a real market data API on page load (and on demand via the Refresh button) — not a fixed number someone typed in, though you can still override it manually and everything recalculates against whatever's in that field. Genuine SHA-256 hashing, computed by your browser as you interact. From 19, a guaranteed £2,000/month wage genuinely accrues as available credit each year — not handed out as a lump sum against the full 75% ceiling, and not a percentage of the fund either, a flat real-terms amount converted from the live gold price. It's capped at 75% of the fund's value: if accrued wage would exceed that, the surplus simply waits rather than being lost, and unlocks the moment a contribution raises the ceiling. A draw past what's actually available is refused outright, with no block committed. Separately, government recoups its seed through two real streams that both count against the same debt: an ongoing ~2%/year claim on only the untouched 25% buffer — the slice the citizen was never able to draw against anyway, so it never reduces what's on the card — plus whatever's still owed settles in one lump-sum payment exactly at 65, or at transfer if that happens first. If the buffer stream alone pays it off before 65, the lump sum simply has nothing left to collect. Contributions can be entered directly in Nobles, or in pounds from wages — that £ figure genuinely converts at the same live gold price used everywhere else on the page, not a separate made-up rate. The PAM's principal is never withdrawn by the citizen: the card draws against it as collateral, and repaying is a separate, optional action. Marker-to-marker transfer clears any outstanding citizen credit and any unsettled government balance first, then the remainder starts a fresh PAM for the beneficiary — its own new seed, its own new government credit line, its own wage accrual from zero.
What's simulated
Multi-validator consensus is illustrative on this page, the same as the single-fund demo — the real Ed25519 multi-validator signing exists in the tested Python reference build, not in a browser tab. Fund yield is a simple global percentage, and wage accrual and government recoupment both recalculate once a year rather than monthly. The gold price API is a free public data source with no guaranteed uptime — if it's unreachable, the field just falls back to whatever's already there. The £2,000/month figure, the 2%/year buffer share, and the settle-at-65 backstop are working assumptions we're actively still figuring out, not finalised ones — the existing funding model documentation instead describes a flat ongoing 1% government share with no lump-sum settlement at all, so this page is intentionally testing a different structure against it. One edge case worth knowing: if a citizen has drawn right up to the 75% ceiling, the lump-sum settlement at 65 reduces the balance in one step, which can briefly leave more drawn than the new, lower ceiling allows — this page doesn't force an immediate repayment in that case, it just blocks further draws until the fund grows past it again. Contributions aren't checked for post-tax or source-verified provenance here, nor is the CET reserve that bridges the subsistence floor in low-return years.