International Universal Monetary System
Alternative Payment System, Mobile Solution, Market Place and Top News
World in which false is an absolute truth, needs a radical change.               We promote love and peaceful relationships between the world nations.               Our goal is to build the world that has legs to stand on, give everybody equal opportunities and choice possibility.
crom time bank alternative news, alternativne vijesti, notizie alternative


bank, banca, banka, credit, credito, kredit, dug, debt, debito, financial, finanza, financije   economy, ekonomija, economia, tax, taxes, porez, fisco, tasse, mobile banking, mobilno bankarstvo   financial derivatives, financijski derivati, derivati finanziari, internet bankarstvo

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local currency, monetary system, complementary currency, moneta locale, moneta complementare, denaro, soldi    Happiness


The secret of happiness is freedom, and the secret of freedom, courage.




marketplace, mercato, sajam, tržnica, usura, usury, zelenaštvo, kamate, lending interests, interessi    Fear


We can easily forgive a child who is afraid of the dark.
The real tragedy of life is when men are afraid of the light.




mortgage debt, mutuo, prestito, zajam, debit, salary, stipendio, osobni dohodak, salario, mjesečna plaća    Wonderful World


The world is a bad place to live, not because of the people who are evil, but because of the people who don't do anything about it.




payment sistem, platni sistem, sistema di pagamento, seigniorage, signoraggio, banknote, banconota, monetarni sistem    Friendship


It takes years to build up trust, and just seconds to destroy it.
The friendship that can cease has never been real.
A brother is not always a friend, but a friend is always a brother.
Without friends no one would choose to live, though he had all other goods.
No man is useless while he has a friend.




monetary system, sistema monetario, novčanica, biznis, cash, gotovina, contanti    Fair Trade


Fair trade means that the work of men and women is properly valued and rewarded.
Equivalent exchange: to get anything, something of equal value must be lost.




inflation, deflation, inflacija, deflacija, inflazione, deflazione, public debt, javni dug, debito pubblico    Unfair Trade


If you refuse to pay unjust taxes, your property will be confiscated. If you attempt to defend your property, you will be arrested. If you resist arrest, you will be clubbed. If you defend yourself against clubbing, you will be shot dead. These procedures are known as the Rule of Law.




politika, politics, politica, coins, kovanice, corruption, korupcija, corruzione, yugoslavia, jugoslavija, pula, istra, croatia, hrvatska    Peace


We make war that we may live in peace. Peace cannot be achieved through violence, it can only be attained through understanding. It isn't enough to talk about peace. One must believe in it. And it isn't enough to believe in it. One must work at it. What we need is Star Peace and not Star Wars.
It is better we disintegrate in peace and not in pieces.



Currency Trading


Crom Alternative Money
The First World Peace





Welcome to
Crom Alternative Payment System


Crom is a rare and concrete global solution which offers a sustainable way of life, including social justice, democracy and free market principles.

Primitive man had no difficulty in feeling respect for nature.
We are trying to make possible the impossible:
Creation of free, civilizated and modern society without destroying our planet.

If you wish to change the world, enjoy our independent system.





Where's The Difference ?


There's an old saying that borrower is slave to the lender.
How dignified do people consider the fundamental principles of the debit system ?


Debt - Based Money System And Its Consequences :

US National Debt

- Eternal war economy,
- False education,
- Inflation and other taxes,
- Hard dependency,
- Little free time.


Crom is based on the concept that the value of money is created not by the
one who issues the symbols but by the one who accepts them.
Our objectives are quite opposite of debt based money system consequences.







What do we want from money?
What do we expect from money?

How is possible that now, when each worker is more productive than ever in the world history, two parents can work full time and still not have enough money for a dignified life?
The more we grow, the more isolated we become.
Why do we have less free time instead of more?
Shouldn’t the opposite be happening as we continue to become more efficient and produce more?
Something is wrong.

The answer lies in the nature of money itself.
As a society we always have more debt than money.
It is through the central banking that governments have been able to indebt their citizenry into infinite debt.
As long as our money is created through debt, then we will become victims of our own invention.
By the very nature of money, there isn’t enough money in circulation to cover the debt that created it.
We’ve enslaved ourselves with our own system.

What do we expect from our planet?
No limits maybe?
What are we going to do with the water, land, climate, oceans, food, energy and in general, all the ecological bubbles?
To leave the problem to the next generations?
The only problem is that the next generations are already and rapidly disappearing.





Crom Alternative Solution


Everything around us has a price.
It's strange, but human life has no price.
Even more strange, American life has a bigger price then Nigerian life.

If you're not part of the solution, you're part of the problem, so make your choice:
Our lives are our highest values.
Time as currency is the only way to a sustainable society.
Peace, freedom and satisfaction of common needs.

The value of our lives is a time of our lives, every minute of every day.

One hour has 60 minutes, in America, Germany, Nigeria and Venezuela, France and China, Croatia and Iraq, Italy and Israel, Palestina and Russia.


alternative news, alternativne vijesti, notizie alternative, signoraggio, seigniorage     Fiat Money


Inconvertible money that is made legal tender by a government decree. Fiat money is backed by nothing; the only thing that gives the money value is the faith placed in it by the people that use it. All Federal Reserve notes and most circulating coins are money because the government says they are, not because they are backed by physical commodities. When the government is unable to repay all its debt in real values, fiat money with unlimited credit creation is a perfect solution. Once that confidence is gone, money irreversibly becomes worthless.




independent news, notizie indipendenti, neovisne novosti, nezavisne novosti    Fractional Reserve
Banking or Usury



A banking system in which only a fraction of the total deposits managed by a bank must be kept in reserve (1-2 %). "Fractional Reserve Banking" system allows private banks to create new money out of nothing,deprives the government off a special profit.This special profit is called seigniorage (segniorage, signoraggio) and belongs to the people.




giornale, novine, novosti, newspapers, signoraggio, seigniorage    Seigniorage


The amount of real purchasing power that banks-governments can extract from the public by printing money. Seigniorage (seigniorage, signoraggio) is the difference between the face value of currency and the cost of producing it.




alternative news, alternativne vijesti, notizie alternative, signoraggio, seigniorage     Public Debt
National Debt



In simple words, the new money comes into circulation through the banking system, issued as a debt to the banking system. The whole profit of the issuance of money has provided the capital of the great banking business as it exists today. Starting with nothing whatever of their own, they have got the whole world into their debt irredeemably, by a trick. There is nothing left now for us but to get ever deeper and deeper into debt to the banking system,paying interests on that same perpetual debt and hope that debt will be repaid with the new indebtedness. So why does government 'give' this new money to the banks?
This new money could come into circulation not as a very expensive debt to the banks ?



usura, usury, zelenaštvo, kamate, interests, interessi, economy, economia, ekonomija    Parasitism


It means that a parasite is any organism or living thing that benefits from another creature's harm. In other words, the parasites harm the host organism while the parasite benefits.




alternative news, alternativne vijesti, notizie alternative, signoraggio, seigniorage, debt, debit, dug, debito    Bilderberg Group


The annual Bilderberg Group conference is the most important meeting in the world. It is always attended by more world leaders, more royalty, more top politicians and business leaders than any other meeting of any kind. Collectively, these are the men who control the world, and their decisions affects all the people of the world. Yet Bilderberg Group meetings receive no publicity and are not reported in the news. Bilderberg is effectively an elite secret society ruling the world from behind closed doors and outside the democratic framework.


If you don't care about politics,that doesn't mean politics will not take care about you

The destiny of the currency is, and always will be, the destiny of a nation

Crom Alternative Money - The First World Peace               Viska 14, 52100 Pula, Istra, Croatia