While the world has built and monetized realtime payment systems, the vast majority of value remains constrained by legacy business cycles.
As the world accelerates with Generative AI, Quantum and other advanced technologies, one of the fundamental constraint remains. Monthly business cycles. The economic metabolic rate shackled by legacy convention. It's time to change. Time to accelerate the velocity of money and release significant value for employees, employers, governments, and economies.
As the world accelerates with Generative AI, Quantum and other advanced technologies, one of the fundamental constraint remains. Monthly business cycles. The economic metabolic rate shackled by legacy convention. It's time to change. Time to accelerate the velocity of money and release significant value for employees, employers, governments, and economies.
Artificial Intelligence (AI) and realtime payments lay the groundwork for realtime economies. However, legacy business cycles constrain capital efficiency to the detriment of employees, companies, and economies.
Embedded Credit (EC) is one of the primary constraints confining businesses and economies to monthly business cycles. The EC convention compels employees to extend ‘free’ credit to their employers. It isn’t free and comes at a high cost. Similarly, businesses extend credit to buyers, the tenor often determined by power rather than mathematics. Payment term APR is bundled into products and services without being effectively priced or optimized. EC is often subject to highly unpredictable tenor and interest rate risk. EC invisibly compounds across supply chains and economies, inflating costs, suppressing demand, and destroying capital.
"Compound interest is the eighth wonder of the world.
He who understands it earns it. He who doesn't pays it."
- Albert Einstein
In human terms, the burden of EC is disproportionately detrimental to those with the least power. EC demands the highest financial sacrifice from the weak, compounding social inequality, and creating a significant barrier to social mobility. In economic terms, EC is virtually unregulated, structurally inefficient, and systematically increases risk while decreasing economic value.
It's time for change. Now!
Embedded Credit (EC) is one of the primary constraints confining businesses and economies to monthly business cycles. The EC convention compels employees to extend ‘free’ credit to their employers. It isn’t free and comes at a high cost. Similarly, businesses extend credit to buyers, the tenor often determined by power rather than mathematics. Payment term APR is bundled into products and services without being effectively priced or optimized. EC is often subject to highly unpredictable tenor and interest rate risk. EC invisibly compounds across supply chains and economies, inflating costs, suppressing demand, and destroying capital.
"Compound interest is the eighth wonder of the world.
He who understands it earns it. He who doesn't pays it."
- Albert Einstein
In human terms, the burden of EC is disproportionately detrimental to those with the least power. EC demands the highest financial sacrifice from the weak, compounding social inequality, and creating a significant barrier to social mobility. In economic terms, EC is virtually unregulated, structurally inefficient, and systematically increases risk while decreasing economic value.
It's time for change. Now!