For the people finance has never served, and for those it no longer serves.
It gives each of them back a sovereignty over their own money, written into the code so it cannot be taken away again.
A cooperative bank no power can betray. Not even me.
- Current block
- —
- Network
- Testnet
- Reserve behind credit
- 333% behind every loan, a margin against collapse
- Humanitarian share
- 5% beyond the reach of the vote
An infrastructure for the world, with no one left out.
Not a company, not a product. A cooperative bank whose rules — who gets served, how the reserve holds, that one human is one voice — rest on no one's trust. They are written into the code that runs the network: verifiable by anyone, out of reach of anyone who would change them in silence.Me included.
Crypto promised to make you sovereign. You already know what it built instead: the big coin became something to bet on, held by the same institutions it was meant to get you around, and the stable money everyone trusts is just an account a company can freeze the day a government asks.
EgalChain does not move that problem somewhere new. It goes back to the original promise — a sovereignty over your money that no one can take from you — and this time writes it into the code, so no one can confiscate it again.
Counting people without watching them.
EgalChain did not start from zero. It is a fork of Monero, the privacy technology the institutional world boycotts precisely because it works. It inherits the cryptography that keeps who-pays-whom private: ring signatures, stealth addresses. The network runs without looking over your shoulder.
That is what makes three things possible no bank offers you. You prove you are a unique human, but your vote stays anonymous: you are counted once, and the network records only which country you voted from, never your name. Your money, your accounts, your life stay yours; your individuality is not a product to be sold. And a donation to a sensitive cause, made by someone who would be at risk if seen, cannot be traced back to them: the network knows only an anonymous code. The cause is funded, the giver protected.
Four things you do yourself — already on the chain. The public network opens when the protocol is ready.
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01
Weigh in on a global decision. From anywhere, even watched.
A question asked once, that stays open. You prove you are a unique human — by your passport, or by three witnesses if your country cuts you off from the world registry — and then you are counted once, and only once: your country travels with the vote, never your name. No committee decides who gets to speak.
Once the public network is open, the result can no longer be erased: not by a state, not by me.
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02
Prove a document existed, before someone makes it disappear.
You write a file's unique fingerprint into a registry no one can alter, with the date. The file never leaves your device — only its fingerprint is recorded, tied to your country. The day a regime seizes your computer and denies the proof ever existed, the trace itself is on thousands of machines.
The network keeps the proof that a document existed at a date — not the document itself, which stays with you and the storage you choose.
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03
Fund a project without asking anyone's permission.
The fund looks at how many people back a project, not how much each one gives. Three thousand people who give five euros each can draw a larger match than one donor who gives fifty thousand — because the common fund tops up in proportion to how many distinct people stand behind it, not how much each gives. The rich do not weigh more than the crowd, and it is the arithmetic of the block that says so, not a committee. And you can be the one who starts it: bring an NGO or a cooperative to the chain, open the project, and keep five percent of what you raise for having carried it.
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04
Borrow when no bank would lend to you.
A bank asks you to prove you don't need it. Here, it is enough for six people to say "I answer for you" — and the protocol draws from them, block by block, what they pledged, so your word holds, up to an amount it keeps within what the network can actually back. No file, no statements, no income test. The rate applied is the median of the six offers, never the greediest. And you can stand on the other side: vouch for someone yourself, name your own rate, and when they repay the interest is yours — you become their bank, with no institution in between.
Who runs the network, and what it gives back.
EgalChain is mined on an ordinary computer, not on machines that cost a fortune: no one can buy a monopoly on money creation with specialised hardware. On each coin, the finder keeps only a third; the rest sustains the community — cooperative credit, the shared dividend, the humanitarian fund. That dividend is split among everyone who mined, in proportion to their work — but each miner's share is capped, so the largest farm can't take much more than someone mining a few hours a day, and it grows more generous the more people join. And a miner can do more than secure the network: answer for a borrower no one would finance, set a rate, back several loans. But if the borrower does not repay, it is the guarantor who pays — a role that carries real risk, not an investment.
The EGL a miner creates is the reserve asset that backs all the everyday money. Its issuance falls by about five percent a year, down to a small floor that keeps paying for the network's security forever. The rate of new coins fades; the coins themselves never stop, so the supply keeps rising very slowly, with no hard ceiling. Its value comes from what it does in the network. I will not promise you a price: an honest institution shows you its foundations. It does not sell you a way in.
EgalChain is not a product for traders.
It is for people whose lives are shaped by monetary decisions they do not make — made by people they don't know, in institutions that don't represent them and never pay the price.
The mother in Nigeria whose savings halved in a year, because the naira is collapsing and no one asked her.
The Argentinian who can't borrow to open a shop: no bank lends at a sustainable rate in an economy running 300% inflation.
The Senegalese worker in France who sends money home and loses 7% on every transfer, to intermediaries he can't verify.
The citizen of a watched country who wants to weigh in on a global decision without revealing who she is.
The journalist, the whistle-blower who has to show a file was real, while a government is trying to bury it.
You are probably one of them. And for the ones you are not, EgalChain doesn't ask you to pity them — it lets you be their bank: answer for the shopkeeper no bank will finance, stand witness for the journalist who'd be buried, join the network that lets a worker send wages home without the cut. This isn't a list of who gets helped. It's who you can stand with — and stand for.
Be the kind of person you wish to find in others.
Why it is built this way.
Three rules depend on no one's goodwill. A fork could always leave with another version — but in the open, never by changing a number in silence.
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5% HUMANITARIAN · 10% DIVIDEND
The share of the weakest cannot be voted elsewhere by any majority.
Five percent of every block goes to the humanitarian fund, ten percent to a shared dividend. These two are not even on the list of votable things. I carved the share of the poor into the compiler, not into our good intentions, so that no majority, no governor, no future version of myself could ever vote it elsewhere. The split between the miner and the community does stay adjustable by the community, within bounds the code refuses to cross.
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LENDING RESERVE FLOOR = 333%
The compiler refuses to produce a binary that would dilute the reserve.
The stability of the money is mathematical, not political. When ES is created by a loan, the protocol demands more than three times its value in EGL, locked in reserve behind it — a deliberate margin, so that even a wave of unpaid loans can't break the money. Why so much? Because a bank that lends more than it can cover is exactly how trust collapses; here the cushion is not a policy, it is a floor the compiler enforces — lower the coverage beneath it and the software refuses to build, there isn't even a version to download. Even a 75% vote hits that floor.
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ONE VERIFIED HUMAN = ONE VOICE
No fortune, no stack of accounts weighs more than one human.
The passport is verified by the network itself, not by a third party. And in the code there is no "this one counts more" field: the same record for everyone, from the biggest miner to the newcomer. I removed that field not out of virtue, but because an institution with no privileged class has no one to corrupt.
EgalChain runs on you — not on trust in anyone above you.
It holds because you verify it, vouch on it, vote it, testify on it. No one decides in your place — because here, you are the one who decides.
The best-documented projects, with the most verifiable proofs and the most people vouching for them, can be scams just as easily as the ones that deserve a Nobel Peace Prize.
I place no limit on what can be proposed — but I plan to promote the projects whose good will can be shown. A project can choose to keep a transparency trail: photos, bills, the infrastructure, every euro traced to where it went (a mechanism still being built) — and projects that keep it would be shown first, not given more. The door stays open to anyone; the spotlight is earned.
Until then, I trust you to follow your instinct: choose what feels right, real, and answers real problems you can help fix.
Today, on the test network, you can already do all of it.Vote on a world poll, witness a truth, vouch for a borrower no bank would touch, open a fund for a cause, weigh in on the rules themselves — with no real value yet, so you can learn it freely.
At launch, the same gestures carry real weight, and the verified passport makes each voice exactly one person's. Then this page names what's open for your hand: someone to answer for, a project to validate, an identity to help restore, a cooperative to recognise.
Big institutions are let in — and fenced. You keep the controls.
EgalChain is a cooperative bank for the people finance has never served — and it stays that way when institutions arrive. Banks and payment processors are welcome for one thing only: wholesale settlement, under licence and under guarantee. Everything else — running the money, using it, voting its rules, the value it carries — stays with the people on the chain. The institutions handle the plumbing; you keep the controls.
And the code holds two keys apart on purpose. A regulator's keyset — three signatures of five — is the only one that can settle between institutions, and the only one that can issue the institutional settlement unit: one-for-one against the fiat it attests it holds, with a short window — a couple of hours — to veto a suspicious move, and fenced off from the everyday money so it can never thin the reserve behind your loans or dilute what you earned. A commercial keyset — two of three — can do neither: the network refuses its settlement and its issuance orders outright. No one, institution included, conjures the people's money from nothing.
Why the code isn't public yet.
The test network already runs, and its server answers read queries at testnet.egalchain.xyz — you can query it now. The signed node binaries will arrive with the key ceremony, so you can verify what you are running.
But the source code and the whitepaper stay closed for now — until the protocol stands on its own. I'd rather tell you the real reason, plainly: until the protocol is proven, I don't want its foundations taken — the guaranteed reserve, the proof a human is unique, the governance — broken, and used to deceive people by impersonating what I'm building.
The day EgalChain stands on its own, they open — and then anyone can audit the protocol from the ground up, trusting no one, not even a certified auditor. That public verification, open to all, is the deepest guarantee there is — and it's why an external audit, though wanted, was never the gate the network had to wait for.
Honestly, what's left.
- NetworkTestnet. The public network opens when the protocol is ready.
- Passport identityBuilt and tested, but dormant until launch — today's test network runs a stripped-down version with no real cryptographic check.
- FrontendUnder construction — you're looking at the building site.
- Mobile appPlanned — no committed date.
- WhitepaperThe document that explains the whole protocol: final review before publication.
- External auditWanted, and not yet started. It strengthens the launch; it isn't a veto over it.
What you can already check.
The whitepaper and the code will open when the protocol stands on its own — then anyone can check, trusting no one. In the meantime — without having to trust me.