About

Collaborative Finance is a first principles approach to payments, finance, and money based on graph theory. It is motivated by clearing the most debt for the most people with the least money.

CoFi emerged as a generalization of a prior paper by members of our team, Liquidity-Saving through Obligation-Clearing and Mutual Credit. That paper had such an impact in the world of alternative currencies and credit protocols a review was written called [Someone Just Turned The Lights On][lightts]. Our new CoFi Whitepaper aims to generalize the approach taken there, make it more accessible, and activate a larger community and R&D effort around the design.

An implementation of the new paper is being developed by the CoFi team at Informal Systems in the form of the Obligato product and the Bisenzone platform.

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