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This concise book provides a critique of the current monetary system and discusses in detail a novel model for a universal currency that is not fiat in nature, does not need to be backed by a precious metal such as gold and is not a cryptocurrency. It establishes the logical and correct principles of how a universal currency can be issued and circulated within the framework of a universal trading platform that incorporates banking as well. This book presents an unconventional perspective regarding money, trade, allocation of resources on our planet and how to permanently establish a fair system for human beings to interact, cooperate and trade with each other.