Operating gates
Costs, compensation, taxes, insurance, debt, refunds, chip liabilities, maintenance, and required reserves are satisfied.
JCF & CRF
Two funds, one guarded surplus waterfall.
The JCF builds long-term capacity. The CRF funds approved community benefits, closed-loop reward-point releases, and reviewed assistance requests. Neither fund turns MOVE Coins into ownership.
Meet every operating obligation first. Allocate only what is truly available.
Quarterly surplus waterfall
The funds start after the gates.
Quarterly Available Surplus exists only after costs, compensation, taxes, insurance, debt, refunds, chip liabilities, maintenance, and required reserves are satisfied.
- The JCF is an internal, policy-controlled capital reserve of THE MOVE. COMMUNITY LLC.
- The CRF can authorize closed-loop reward-point releases, co-op marketplace redemptions, or reviewed utility-assistance benefits under published criteria.
- Final accounting treatment, allocations, and public claims require CPA and legal approval before launch.
Joint Capital Fund
The JCF supports approved operations, infrastructure, projects, and long-term capacity. It is not a public investment fund.
- Receives 70% of Quarterly Available Surplus after operating gates
- May receive owner capital, financing, eligible grants, sponsorships, and designated proceeds
- Never receives coin-sale proceeds, purchased chip balances, customer deposits, or restricted nonprofit funds
Community Reward Fund
The CRF receives 20% of Quarterly Available Surplus and may authorize community benefits, co-op marketplace redemptions, reward-point releases, or reviewed utility assistance under published criteria.
- Co-op marketplace credits, food boxes, local produce, meal and lodging credits, access scholarships, transportation assistance, hardship support, project grants, and local reinvestment
- Utility-assistance requests may use points for eligibility, priority, or benefit tier, but not as a fixed point-to-dollar bill payment
- Record dates and eligibility rules must be published before a release
- Points and benefits are not cash, dividends, distributions, asset claims, or guaranteed benefits
Funding wall
Coins are not sold to raise cash. If cash is needed, it must come through normal infrastructure: services, events, sponsorships, vendor programs, project support, grants, financing, or owner capital.
- A payer receives the purchased product, sponsorship, or program benefit, not coins
- Vault releases only move coins into available unissued supply
- Coins still require normal earned-award review before any member receives them
Reporting
Public trust depends on clean reporting: beginning balance, sources, approved uses, releases, redemptions, corrections, ending balance, and unresolved exceptions.
- Separate banking and ledger classes
- Governance, reporting, and audit process
- Founder authorization documented without pretending legal or CPA review is complete
Allocation after gates
Quarterly Available Surplus has a public map.
JCF builds
The Joint Capital Fund strengthens approved operations, infrastructure, projects, and long-term capacity.
CRF rewards
The Community Reward Fund may release closed-loop points or direct benefits based on criteria, record dates, and available resources.
Resilience protects
The MOVE Resilience Reserve supports continuity, emergencies, stabilization, and future operating needs.
No allocation should be described as guaranteed. The waterfall is a governance policy, not a member distribution promise.
CRF reward-point formula
Points are tied to the approved pool, not spending.
When the CRF authorizes a reward-point release, the approved points pool is divided by eligible active member-held Community Coins on the published record date. A member with multiple eligible coins receives the per-coin amount for each eligible coin they hold.
Approved CRF Reward Points Pool
÷
Eligible Active Member-Held Community Coins
=
Points Per Eligible Coin
Member balance
Member points equal points per eligible coin multiplied by that member's eligible active Community Coin balance.
Community Vault
Vault-held, unissued, suspended, revoked, or ineligible coins do not receive points.
Co-op marketplace
Points may be redeemed for approved MOVE ecosystem benefits, including co-op marketplace goods, local vegetables, food boxes, vendor offers, assistance, or participation.
Utility assistance
Electric or essential-utility bills may be submitted for CRF review. Points can affect eligibility, priority, or benefit tier, but they do not guarantee payment or convert to cash.
No cash claim
Points cannot be sold, transferred, cashed out, bought back, or treated as ownership in any fund, company, asset, or project.
CRF assistance lane
Utility help is reviewed, not automatic bill pay.
Active members may submit electric or essential-utility bills for CRF review. Reward points may help determine eligibility, priority, or benefit tier, but the CRF decision approves any assistance separately from the point balance.
Member request
The request needs active membership, bill evidence, provider details, due date, requested assistance amount, consent, and any published hardship documentation.
CRF review
Approval depends on available CRF allocation, program caps, conflicts, documentation, and the current utility-assistance policy.
No fixed conversion
MOVE does not publish a fixed points-to-dollars exchange rate for outside bills. Points are a program factor, not stored cash.
Clean settlement
Approved assistance needs ledger evidence, reviewer approval, and payment documentation before any request is marked complete.