Version 1.0, working canon snapshot
1. Purpose and scope
This document defines day to day money movement in the Freehold and the broader CCA, including stablecoin use, wallets, merchant acceptance, offline transactions, fees, recordkeeping, credit, escrow, remittances, and deplatforming behavior. It also includes limited notes on NorCal and Evergreen where relevant.
2. Currencies and stablecoin rails
- FiatDollars, FD: Default stablecoin for the Freehold and most of the CCA, also common across the Americas and much of South, Southeast, and East Asia.
- NewDollars, ND: Preferred stablecoin in much of the rest of the world.
- Mechanism is the same for both, secure digital wallets on standardized stablecoin APIs.
3. Wallets, apps, and interoperability
- Branded wallet apps exist, but stablecoin APIs are standardized, so most people do not bother with brand loyalty.
- The Freehold CRM tool can store personal wallets and other banking information, but participation is optional, not required for ordinary commerce.
4. Payroll and pay practices
- In the Freehold and most of the CCA, unless requested otherwise, workers are paid in FD deposited to a secure digital wallet.
- The CCA Inc does not do personal bookkeeping or payroll.
- Payroll is commonly handled via internal accounting transfers between employer and employee.
- In the Freehold labor market, trust enforcement is cultural and practical, mistreating one worker can cost an employer their entire staff.
- In polities with higher unemployment and competition for good jobs, payroll services may act as third party guarantors.
5. Merchant acceptance and point of sale behavior
- Most vendors and merchants accept multiple currencies.
- Market rates are usually applied for stablecoins going either way.
- Transaction fees may be charged for non stablecoin currencies, and often are.
- Currency conversion at point of sale is often not performed, many merchants simply maintain multiple wallets.
6. Offline payments, outages, and network reality
6.1 Baseline offline capability
- Offline transactions can clear using a secure offline QR standard.
- The QR standard can be biometrically safeguarded, and is designed for routine resilience, not permanent disconnection.
6.2 Device connection requirements
- Any powered on device is forced to achieve at least one connection event every 24 hours, through mesh, tower connection, or satellite ping.
- A mesh event can be local, two meshed phones constitute a connection.
6.3 Outage detection and standby modes
- If two or more meshed devices owned by different people report no service, standby modes are activated.
- Standby mode behavior is governed by local policy, not a single universal rule.
6.4 Standby mode purchase logic
- During a network outage, essentials are protected.
- Food purchases and other critical needs are generally approved.
- High value and noncritical transactions can be delayed, limited, or denied based on local policy, for example a vehicle purchase.
7. Fees, taxes, and dues
- Where a charge is not a monthly or annual payment, it is typically a transaction time skim, similar to NFC purchase fees.
- Personal tech required to participate is inexpensive, most people have multiple devices, phones or watches are usually primary.
8. Credit and lending
- Private one off loans exist, but institutional personal loans are rare.
- Consumer credit is largely replaced by short term installment plans, with issuers similar to Klarna or Afterpay.
- Post collapse, personal land ownership is limited in much of the corporate world, and often misunderstood, this drives confusion and animosity toward legacy landholders like Matt Marmaduke.
9. Receipts, records, and hard copy norms
- Digital receipts are the norm for ordinary purchases.
- Commercial transactions are commonly backed with hard copy.
- Hard copy in 2440 is typically laser printed, tough, embedded paper, often seen as anachronistic, but still widely used for contracts, receipts, ledger references, shipping labels, and box marking.
- Print publishing exists as a recurring niche fad, comics, manga, and graphic novels see periodic surges, print on demand persists.
10. Escrow and large projects
- Where escrow is required, specialty escrow firms exist.
- The Marmaduke Family Trust owns four escrow firms, none of them operate in the Americas.
- In the Americas, many large deals rely more heavily on reputation, enforcement capability, and contract structure than on escrow as a universal default.
11. Remittances and cross border transfers
- Digital wallet transfers are generally not tracked in a meaningful way because volume makes it too costly, most transactions resemble microtransactions at scale.
- Some states, including the SAC and China, monitor outside transfers closely in both directions.
12. Deplatforming and financial restriction
- It is virtually impossible for a company or polity to seize a secure digital wallet directly.
- They can make it difficult or impossible to use the wallet through current technology.
- Denial mechanisms can include device identity, biometric pairing, network access, and merchant terminal acceptance, used together or selectively depending on who is doing it and why.
- Matt has used controlled deplatforming as a pressure tool to force people to show up and talk, typically aimed at people he wants to keep, but who are being irresponsible.
13. Starting over after deplatforming
- Some regions use physical scrip, some accept precious metals.
- Depending on the polity, someone can be helped to restart, or pushed into coerced labor without it being labeled slavery.
- Matt will help almost everyone on a case basis. He will usually respect warrants and exile notes from many issuers, but will hear a person out, and may assist them onward, or push them back across a border with his own notes appended.
14. NorCal, Meta Scrip, and Evergreen
- NorCal, largely controlled by Meta Conagra, pays bond tenants in Meta Scrip, effectively coercive and restrictive.
- Meta Scrip is often required in physical form at certain events, with steep transaction and exchange fees.
- FiatDollars are processed in Evergreen, Evergreen charges Meta Conagra large fees even for digital business, and does not allow Meta Conagra physical presence.
- Evergreen fee mechanics are intentionally left undefined, and may remain a social media talking point rather than an on page system, since the story does not plan to set scenes in NorCal.
15. Freehold, Marmaduke Family Trust, Marmaduke Inc, and Ozark Power
- The Freehold and the Marmaduke Family Trust are separate legal entities. Both are original signatories to the CCA.
- Marmaduke Inc, formed 1949, is also an original CCA signatory.
- The Freehold, Marmaduke Inc, and the Marmaduke Family Trust often own adjacent lands and co own parcels with each other and with others.
- These three entities are three of the five owners of Ozark Power, also an original CCA signatory. The other two owners are the Columbia Collective and the University of Missouri.
- The Marmaduke Family Trust owns Marshall and is headquartered there, with members spread across Marshall, the Freehold, Columbia, Stockton, and the Lake of the Ozarks north shore, plus trust offices around the world.
- Marmaduke Inc holds large global real estate portfolios, leasing to industrial scale firms. Marmaduke Logistics warehouses sit on Marmaduke Inc land, a structure created when Matt bought out Marmaduke Inc’s freight business to form Marmaduke Logistics.
