Semo Coin is one coin with a family of tokens beneath it, and a set of rules about where value goes. This is how Semo is built to work.
Its value starts out agreed. One Semo is worth a fixed, publicly known amount. Everyone who starts using Semo accepts that value — which is what keeps it stable.
Then its value gets measured. Semo's scoring system, powered by its database, establishes what things are actually worth — and the coin takes its value from there.
Value cannot be parked forever. Every token disappears in the end. What is never spent flows back to the community it came from.
Spending is rewarded, not taxed. There are no transaction costs inside the ecosystem. Instead, organisations earn for accepting Semo and for keeping money circulating in it.
Real value backs it. Established money that comes in through Semo purchases is locked, decentralised and low-risk invested — so growth never runs ahead of financial health.
First people agree what a Semo is worth. Then Semo measures it. Click through them.
The value of Semo Coin is predetermined. Everyone who starts using it recognises that value — otherwise they would not start using it. That shared recognition is the stability mechanism; there is no market deciding the price minute by minute.
To protect it, Semo Coin is not listed for public trading at launch. It circulates inside the ecosystem, which is what makes the agreed price possible to keep.
Value stops being borrowed from an outside benchmark and starts being measured. Semo's scoring system, powered by its database of what things really cost, establishes what a product, a service or a place is worth — and the coin takes its value from there.
That is what makes the agreement in stage 1 something Semo eventually no longer needs: the economy has its own instrument for reading value, rather than a number everyone consents to. Purchasing power ends up decided collectively — by democratic protocols, ecological measurements, market interactions, durability and utility, and necessity ratings.
At launch Semo is anchored to the World Bank's Global Poverty Line. That line currently stands at $3.00 per person per day, set on 5 June 2025 using 2021 purchasing power parities. So one Semo equals $3.00.
The rise came partly from updated purchasing power parities and largely from countries revising their own national poverty lines upward on better survey data. This is the anchor behaving as designed: it tracks what a day of living actually costs, and Semo tracks it.
The poverty line has risen over time and is expected to keep rising — a rise reflects improving living standards, not worsening poverty. The anchor is also not meant to stay put: this is stage 1. In stage 2 the number stops being borrowed from an outside institution altogether, and Semo's own scoring system establishes it.
In today's economy, wealth stays concentrated for generations. Only when value has a collectively set lifespan does indefinite storage become impossible — and a fair chance to hold value becomes possible for everyone.
Value moves back to goods and services and away from hoarding instruments. More productivity, more access to money, more purposeful allocation.
A token's lifespan is clear before you accept it — and some tokens last a lifetime. You only agree if it is actually a good deal, exactly as in the established economy.
It flows back to the community's rewarding system and shared commons, from which all value is distributed again.
Semo X carries no timer, and selling it does not end it — that only moves it to another holder. What ends a Semo X is spending it inside Semo. At a project it becomes Semo 2, which is the most likely way a Semo X ends.
A Semo 1 keeps its expiry date when it changes hands. Passing a coin to another person does not buy it a fresh lifespan — the date it was born with is the date it dies on, whoever is holding it at the time.
That is what stops the lifespan from being a formality. A coin cannot be kept alive indefinitely by being handed around.
To a user they feel like one coin. Underneath, each one exists so a different kind of value lands in the right place. Pick one.
Bought at one place that holds unlimited supply, always for Semo's stable value. This is the Semo an ordinary person holds.
Two ways to spend it: at a place onboarded to Semo — which then receives Semo 2 — or to anyone in the ecosystem, in which case the coin keeps the expiry date it already had.
What an onboarded organisation gets when it accepts Semo — and the only token with a door back to established money.
When spent onward it always becomes Semo 1 — that is how salaries get paid. Spent at another onboarded place, it becomes a fresh Semo 2.
Identical to Semo 2 in how it moves, with two differences: it cannot be exchanged for established money, and it always arrives straight from a Semo protocol.
Because it never leaves, it carries the highest economic value of the three ways a contributor can be paid.
Everything Semo 3 does, plus one thing: it works in the Semo Transaction Validator, which means it can buy anything established money can buy.
Used especially to fund projects that innovate society in an ecologically conscious and systematically inclusive way, and to pay contributors for as long as the ecosystem cannot yet sustain a living on its own.
The way to hold a share of the ecosystem. All established money used to buy the initially offered Semo X goes to building Semo.
Spent inside the ecosystem it costs nothing in fees and is always valued at Semo's stable value, never its market price. That is how Semo X is burned — and why it can never fall below the stable value of Semo.
Selling is not what ends a Semo X. A sale on an exchange hands the token to someone else and it carries on. Spending it inside Semo is what makes it disappear — and at a project it becomes Semo 2, which is the most likely way any Semo X ends. Spent to a person it becomes Semo 1; spent through the Transaction Validator it goes at the stable value.
Contributors choose how they are paid: Semo 3 (highest value, stays inside) · Semo 2 (exchangeable for established money) · Semo X (freely tradable). Listed in order — more value, or more freedom.
Tokens change form as they move — that is the whole design. Choose what you hold and where it goes.
The coin that expires first leaves your wallet first — the best possible order from the spender's point of view, because nothing quietly expires behind newer value.
FEFO — First Expired, First Out, the standard way many suppliers rotate perishable stock. Semo tokens are perishable, so they get the rule built for perishables.
FEFO picks for you. The exception: where a coin moves without its lifecycle resetting — as a Semo 1 does when it goes to another person — the sender can select exactly which coins to send instead. That is the one case where the order is yours rather than the system's.
There is no mining and no arbitrary printing. Two protocols release new tokens, and each one is tied to something real that happened.
Where it goes Contribution rewards · incentives for economic regeneration · tokens built on top of Semo 3 · resources to maintain and develop the ecosystem.
Where it goes Projects that innovate society ecologically and inclusively, and contributors who need value they can spend anywhere.
Two different pots, worth keeping apart. Money funded into Semo builds the infrastructure — the technology, the tools, the places — and releases Semo 4. Money that arrives because someone bought Semo becomes the reserve that backs the coin. Both matter; neither is the other.
A diversification of Semo 3, paid out periodically.
A small amount arrives with the basic income. You decide who deserves it — never yourself — and its value rises the more you spread it around. It rewards good acts the system would never register on its own.
Every future token is a diversification of Semo 1, 2, 3 or 4, and inherits that token's allocation and possibilities. To a user, they still feel like one coin.
Every transaction inside the ecosystem is free. On top of that, two rewards run in the other direction:
Regenerative projects can borrow Semo with no interest, and use it to pay contributors, suppliers and partners. Two conditions:
The trade-off is real: what a loan can buy is limited to people who accept Semo. The gain is a project that can focus on its mission without the burden of financial cost.
Actual Semo transactions happen without costs. Where a charge would apply, the aim is around half of what an organisation normally pays for cashless payments — measured against real systems, such as the €0.08 per transaction charged by event payment providers.
Liquidity is what lets value move — out of Semo when someone needs it to, and into Semo when someone wants in. Semo keeps those two apart on purpose, and different tokens carry each one.
The routes by which value held inside Semo reaches the world outside it — without ever touching an exchange.
This is what makes accepting Semo safe for an organisation: it is never trapped in money it cannot use.
The only Semo that meets the open market. Public exchanges are where its price is discovered and where an investor can enter or leave.
External liquidity is deliberately fenced off from internal: what the market does to Semo X never sets the price of a Semo inside the economy.
Established money that comes in through Semo purchases is decentralised, locked and low-risk invested. Locked liquidity unlocks only when liquidity milestones are met — so growth can never run ahead of financial health.
As more Semo circulates inside the ecosystem without being exchanged back, the reserve can carefully be reduced — and every Semo that reaches the end of its lifespan lowers the amount that could still be exchanged back at all. Successful management of the reserve rewards the system with more Semo 3.
The Utrechtse Euro keeps money in a local economy. Sardex gives Sardinian businesses credit without euros. Both work, both are popular in their niche, and both stop at the edge of their region.
| Incentive | Utrechtse Euro | Sardex | Semo |
|---|---|---|---|
| Keeps value in the network | Only spendable with participating Utrecht merchants | Closed B2B network; credits circulate between members | Semo 2 is spendable at certified merchants or converts to Semo 1 |
| Access to credit | No credit system; users buy currency with euros | Mutual credit; trade without immediate euro payment | Interest-free loans for regenerative projects and merchants |
| Marketing and customer attraction | The network promotes participating merchants locally | Members listed in directories, often gaining new B2B clients | Visibility in app search, product comparisons and conscious consumer communities |
| Lower payment costs | No interchange fees, but still needs a payment setup | Minimal fees within the network | Near-zero in-ecosystem cost, potentially half of conventional card processing |
| Trust and reputation | Seen as a local supporter | Trusted B2B community with vetted members | Verified impact scores; higher valuation means better visibility and rewards |
| Resilience to economic shocks | Low — tied to the euro and the local economy | Medium — runs parallel to the euro, resilient in downturns | High — a multi-token system whose trade can sustain itself independently of mainstream currency volatility |
| Scalability beyond a locality | No — bound to Utrecht | Low — bound to Sardinia | Global potential; the valuation system is not bound to location while still supporting local ecosystems |
Semo combines the recirculation and loyalty of the Utrechtse Euro with the credit access of Sardex — and adds global scalability, valuation-driven trust and blockchain-based efficiency.
Semo is founded with an adaptable strategy — a red thread toward the most practical, most scalable version of what it means to be.
A minimum viable technological system on which tokens can be programmed and exchanged. Reaching it takes more than the current financial base — which means an involved investor, a professional presentation, an initial organisation structure and legal advisory.
A first user base, so the system can start becoming financially self-sustaining. The minimum viable system is not yet sophisticated enough to serve a whole civilization, so the first users are privileged changemakers. In this phase Semo runs on Semo X.
Festivals and events are closed environments that contain many elements of a complete civilization — and people are already used to swapping money there. That makes them the natural place to grow Semo into a system a civilization can run on.
Semo expands globally.
Self-sustaining economies built with the tools Semo provides — at gathering places for the community, and in places assigned to people seeking new opportunity and self-reliance.
An economy is only a set of rules about where value goes. These are ours.
This is the living description of Semo's economic system — it is kept current here rather than in a document. Figures marked not set are decisions still to be made, and are deliberately left open rather than filled with a plausible number. The value anchor tracks the World Bank's global poverty line, last revised on 5 June 2025.
