Abstract

A two-currency reciprocity platform integrates peer-to-peer money gifts with non-transferable, expiring pledges of personal time, under one user identity, one bounded AI recommendation agent and one shared participation indicator. On the time side, the AI agent recommends a time amount for each thank within a governance-set low/middle/high band; small pledges accumulate until a threshold activates a single redeemable commitment; an activated commitment lapses one month after activation if unredeemed; the recipient chooses the activity, and the giver may decline a specific request. A two-axis participation record (time delivered, time received) is disclosed in its original public form and in its current form: an append-only log with private rows and public proofs, recording a receipt of each co-presence-gated delivery rather than a duration, with no display of any shortfall and no blockchain token for time. On the money side, gifts are recorded as a ledger over regulated payment rails and later settle through self-custodial wallets, with no custody of participant funds. The design treats money (unequal across people, fungible) and time (equal, non-fungible) as complementary scarcities answering the needs for recognition and for presence, and routes time-side revenue to a community pool that funds the money side. It also covers a non-bank legal structure, cultural adaptation of the request surface, and regulatory exposure. Stated limits: the argument that single-currency designs cause community-currency and time-bank failures is unmeasured; hybrid time-and-money schemes (Japan's Fureai Kippu) already exist; and competing explanations for time-bank decline are not ruled out.

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Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.

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