Discovering the Fides Currency Framework
Fides Currency is an educational project dedicated to explaining a new economic model in which the national debt is transformed from a burden into a citizen-owned capital asset, with every adult earning a proportional dividend on the interest it generates.
The model is built entirely on existing legal authority and infrastructure. No new agencies, no new taxes, and no constitutional amendments are required.
Evolution of the Model – How It Began
Swipe Fees
The journey started with one question: “Why do banks collect $180+ billion a year in interchange fees while small businesses and consumers pay the price?”
Postal Banking & EBT
Existing law already allows the government to issue fee-capped debit cards (Durbin Amendment) and operate banking services through the Post Office (current pilots).
TreasuryDirect
Every citizen can already buy U.S. Treasuries directly and earn the full risk-free yield.
The Realization
Banks use citizen deposits to buy those same Treasuries, earn ~4.5 %, and pay depositors ~0.4 %. The trillion national debt is legally backed by the “full faith and credit of the United States” — meaning us, not the banks.
The Solution
Connect the three existing systems:
- Durbin-style fee caps to recapture the skim
- TreasuryDirect for direct citizen ownership
- Postal Banking / EBT rails for universal access
The Result
The American Prosperity Card — one card that ends the skim, turns the debt into a dividend, and makes every citizen the first creditor of their own country.
