Every redeemable promise is measured in the open. These are the same guardrails that keep a credit economy honest instead of pyramid-shaped: is there enough backing, can providers actually perform, and is value backed by real sales rather than hype.
Reserve value ÷ redeemable notes outstanding. Above 120% is normal; below 80% freezes new reserve-backed issuance. Answers: is the money really there?
Share of credits backed by actual art/capacity sales vs promotional issuance. Must stay above 50%. Answers: is this value, or hype?
Monthly redemption capacity ÷ notes issued. Below 0.7 caps new capacity minting. Answers: can providers actually perform?
Composite of reserve solvency, participation, and fulfillment. Sets how generous the system can safely be — generous, balanced, conservative, or frozen.
Reserve-backed Fi-art follows a fixed split: 70% deep reserve (never sold) · 25% yield-producing · 5% operational buffer. Only yield funds operations; principal is sacred. The system never promises more than (resources − reserved − committed) × safety × sustainability can honor — the math that prevents a run on redemptions.
A social vouch ("I trust this person") is never shown as redemption backing. Only funded and verified reserve vouches count as real coverage. Creators and providers also carry a public Relational Credit score — fulfillment, communication, honoring terms — that expands or contracts what they can offer. Learn how mutual credit works →
Fi-art is one mission held by distinct stewards, each in its own lane:
Stewards the mission, ethics, and value-literacy education. Not a bank, exchange, or redemption counter.
Holds the Codex, IP, standards, and art archives. Licenses the brand to the marketplace.
The member association — salons, creator circles, closed-loop access and benefits.
Operates the site, software, provider contracts, and listings. Where commerce lives.
Regulated partners handle fiat redemption, custody, and KYC — the only place cash exits live.
No entity label changes the rights of a note. The Truth Panel governs.