Crom Alternative Exchange Association
Crom Alternative Exchange Association
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Welcome To Crom, the integral part of a non-profit, social-humanitarian organization web space, administered by its members, a meeting place of free and financially independent people on a free territory. This is the ideal place to do business, advertise, carry out your ideas, relax, have fun, and socialize. Crom is a rare and concrete monetary solution based on free market and direct democracy principles, which offers a sustainable way of life and social justice. We have created a quite different way of seeing and doing things that can help us to balance the world and our everyday lives. We have created an attempt where everyone can and should contribute to global social progress with the tiny move, understanding. Crom monetary system is a clear and understandable simplicity. There is nothing vague, nothing to hide, just the amazing and easy truth: time is passing equally for everyone. How is it 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. - Rothschild: "Give me control of a nations money supply, and I care not who makes its laws". - Eccles: "If there were no debts in our money system, there wouldn't be any money". - Rockefeller: "We are grateful to the Washington Post, The New York Times, Time Magazine and other great publications whose directors have attended our meetings (Bilderberg Group) and respected their promises of discretion for almost forty years. The supranational sovereignty of an intellectual elite and world bankers is surely preferable to the national auto-determination". - Swinton: "We are the tools and vassals of the rich men behind the scenes, we are the jumping jacks, they pull the strings and we dance, Our talents, our possibilities and our lives are all the property of other men, we journalists are intellectual prostitutes". A medium of exchange is any intermediary item that is accepted in exchange for the goods and services, used as a measure of their values on the market. A medium of exchange is an intermediary instrument whose purpose is to facilitate the purchase, trade or sale of goods between parties. At some point of human evolution, representor of the value has become a more valued and important thing than the value of the goods and services themselves. If we do not establish who the owner of money at the act of issue is, we cannot distinguish between debtor and creditor. Today, money is created out of thin air through borrowing, lending and interests. Money has become the most important thing in life. The central or issuing banks are the only ones which are licensed to print money bills and put it in circulation. Central bank issues money only in one way, by lending it. Therefore if someone wants to pay off a debt of money with money, it would be the same as paying a debt with another debt, it cannot be done. As a society we always have more debt than money. By the very nature of money, there isn’t enough money in circulation to cover the debt that created it. As a result of these practices, the people of the world have been dispossessed of their own money, forced into debt without receiving anything in return. In order to meet the interest payments upon money created as a debt, more money has to be created, and if that extra money is also created as a debt, then more money has to be created in order to meet the interest payments on that debt money. In this system, the more we produce, the more we get into debt and we will be able to repay the debts only with the real goods and the product of our job. More debt demand more work and unnaturally, more work means more unnecessary goods and services. With the big 2008-2009 crisis, the absurd theater's highlight, on which stage life bankrupted financially and morally; on a planet where every country produces debts instead of values; with a system in which public debt of only one country is nearly double the worth of the total world gross domestic product, in which only one bank owns financial derivatives worth the whole world GDP, in which major banks own to 1000 times bigger assets on paper, in contrast to the ones in reality, where 50% of the whole world's wealth disappeared in no more than few months, where some individuals carry their bags loaded with paper which is capable of buying several countries at once, in which secret organizations decide on the destinies of billions of people with just one click of the mouse, where laws serve to be broken by those who own the money which can enable them to break those laws and interpret them in a way which suits them best; the old world is gradually vanishing. We have already deducted it and forgotten it, and dedicated ourselves to the new one which is right in front of us, waiting for our children, to the world in which economy is not imparted as the virtual and the real one, to the world where collective awareness of the human race as being the only one, the one which is not divided among the ruling class and the socially disadvantaged one, is highly developed. In order to survive, a human must satisfy his primary needs such as food, water, fire and warming. Progress enables the modern man to satisfy a greater number of needed and needless demands, therefore humans exchange their commodities and services. Immediate physical exchange of products and services is not able to satisfy the needs of the society and therefore humans have a requirement towards some kind of an intermediate agent by which they will perform the exchange of the products of their business. Who will be the one to provide the medium of exchange, in what way, and in which form, completely dictates the cumulative life of the members of that community. The bases of the monetary system: - the owner of the medium of exchange at the moment of its creation is a private institution - the medium of exchange is at the moment of its creation owned by a public institution - the owner of the medium of exchange in circulation is a private institution, a public institution, or the bearer - the medium of exchange has been issued as a debt and is weighted by interests - the medium of exchange has not been issued as a debt and is not weighted by interests - the medium of exchange is a value or is a debt - the medium of exchange represents a value or a debt - people serve the medium of exchange, it is possible to create new mediums of exchange regardless of quantity of the products and services in real life - medium of exchange serve the people, it is not possible to create new values or debts which are not in relation to the actual quantity of products and services Common interests: - possibilities and freedom for the comprehensive development of human personality and close communion of the people in accord with their interests and aspirations to create an ever richer culture and civilization in the new society - unity and coordination of efforts to develop the material basis of the social community and the prosperity of the people. - association of our own aspirations with the progressive strivings of mankind. - economic and political system in which common interests are achieved among the people, based on relations between people acting as free producers and creators, whose work serves exclusively to satisfy their personal and common needs - the right of man, both as an individual and as a member of the working collective, to enjoy the fruits of his work and of the material progress of the social community - economic and social security of man Crom monetary system serves the people and its purpose, it is based on a mathematical fact according to which a human, both a scientist, and an ecological worker, lives 730 hours per month. Therefore, every member of Association and/or user of services, if he is registered as a "Man", receives 730 crom from the Association. According to economy of solidarity, all members are given an equal opportunity, conditions are made to abolish the need for an unlimited exploitation of human and nature resources, by which the nature gets its right to exist, to regenerate, to preserve, and to evolve. The Crom Alternative Exchange Association is an institutional and a referent communication point which enables its members and users to perform exchanges. Crom is an econometric symbol, it does not have and it does not represent absolutely no value in legal sense, there are no reserves, Crom is backed by nothing, its circulation is not imposed and compulsory. Physical and legal entities which on a voluntary basis became the members of the Association and/or users of services, accept it only on a voluntary basis, as a symbol of a one-hour time unit activity. In a classical financial system, a scientist esteems his hour of labor in a higher degree than an ecological worker does for his, still there is no measure by which this estimation could get its basis. The difference in evaluation in the Crom system automatically means that the scientist believes he can live more than 730 hours per month, which is impossible in a mathematic sense. This, however, by no means implies there should be no difference in the evaluation of the scientist's and the ecological worker's hour of labor. It is something free market will regulate on its own, although there exists a precise mathematical fact which the market can be based on and the extent of the real time deviation can be evaluated. It is entirely a personal matter of the ecological worker, as an individual, whether he will accept the interchange of the products of 1 hour of the scientist for his own 30 hours, and also of the scientist and his acceptance to interchange, for example, one mobile phone for 500 of his own hours. All of us make up the free market. In determining the prices, we should take care of adjusting all of the humans' life needs to the number of 730 croms in a month, no matter official working hours consist of 2, 4, 6 or 8 hours. Everyone has his own desires and freaks, still people who are satisfied with what 730 croms a month can provide them with, have no need for their regular employee's salary. In a fair and efficient financial system, the community issues the medium of exchange by itself, unburdened by debt and interests. Through this, the needs of the society for a certain amount of goods and services are real in number, and the society is no longer obliged to perpetually increase the volume of its production, its sacrifice and its renunciation, which makes a big positive difference in relation to a classical monetary system in which money is created as a debt with related interests. Each member of that society is aware of the need to contribute to the general wellbeing since the permanent interests of the society, the economic, social and the personal safety of the individuals who make the society, depend mostly on the solidarity and reciprocity of the each person. Through the employment of every unemployed person, and by using the machines capable of producing more, and quicker than humans, working hours can be shortened in great amounts, in line with the amount of goods and services needed. The Crom alternative currency system stimulates people to cooperate, and not to compete among themselves, which has big positive implications on the entire chain of the characteristics being the most important part of a society. Democracy rises on the highest levels, the basic level of a dignified human life is guaranteed, sacrifices and renunciations are weakened, and free time, together with enjoyment and wellbeing is enhanced.
Due to the structure of monetary system, money is the one that completely determines our relationship with ourselves, other people and nature that surrounds us.
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Happiness
Fair trade means that the work of men and women is properly valued and rewarded. |
 Inconvertible money that is made legal tender by a government decree. |
A banking system in which only a fraction of the total deposits managed by a bank must be kept in reserve (if any). |
The amount of real purchasing power that banks and governments can extract from the public by printing money. |
In simple words, the new money comes into circulation through the banking system, issued as a debt to the banking system. |
A derivative is a contract bet for future pricing in which the seller and buyer to the bet agrees to be held financially accountable for the outcome of the bet. |
