The following is an outline of a new trading system that could legally happen today involving the distribution of credits to individuals volunteering at community empowerment organizations selected by a certain non-profit… the non-profit serving as an exchange and issuer or credits, where investors and banks could trade billions of dollars daily speculating on the value of the credits earned by individuals volunteering to empower their local communities… those credits which are backed by the transaction fees paid by the small-to-large investors and banks for speculating and donating to the non-profit’s reserve. The thing is: If you were Bill Gates and you had to donate all your money to something besides fighting malaria, wouldn’t you want to give your money to a non-profit where your money went directly to backing credits that individuals earned for volunteering (as opposed to paying for the mostly non-human resource overhead that it costs to run and market today’s typical non-profit). The donations aren’t really what prop up the credits though… It’s what causes much of the volatility that affects the prices and the drastic fluctuations attract traders seeking big returns… and the same system will keep a man eating (when he loses everything) because he can participate in what is today volunteer activity to empower his community in order to earn credits that are backed by credit transaction fees and donations in the market…

Here’s the idea:

I. Introduction
The Help Credit Market (HCM) is a proposed non-profit organization to perform the function of issuing cash-redeemable credits to individuals for performing volunteer tasks at approved organizations. The redeemable cash value of HCM-issued credits is determined by a ratio between the HCM Reserve’s cash-on-hand and the total number of credits issued to date. The purpose of HCM is to create incentives for individuals to contribute to community needs with a net effect of better school systems through enhanced tutoring and resources, decreases in homelessness through increased social efforts to combat it, more accessible healthcare through surges in medical professional pro bono work, decreases in juvenile crime through increased adult involvement in after-school programs, cleaner streets and neighborhoods through more abundant crowdsourced effort in street cleaning, and numerous other social and economic benefits from promoted involvement in local affairs for community empowerment. HCM will be financed by revenue from HCM Futures trades, as well as donations from credit-holders, medium to high net-worth individuals with tax deduction incentives, and philanthropists.

II. Credit Issuance
HCM credits are issued to individuals who volunteer at HCM-approved organizations. When a volunteer wishes to receive credit for his/her work, he/she provides a non-profit organization coordinator with his/her HCM member ID. Becoming a HCM member is free and requires an applicant to submit their basic information and social security number, as well as authenticate via his/her Facebook, Twitter, or Google+ account to validate identity. When an HCM member receives an HCM credit, the member can view his/her current credit cash value online in the members’ portal of the HCM website. The more credits that are issued by HCM to HCM members, the greater the downward pressure is on HCM credit redeemable value. The more donations to HCM, the more upward pressure is on HCM credit redeemable value. The more HCM Futures trades (which generate fees and thus donations to HCM), the more upward pressure is on HCM credit redeemable value. This system ensures that the value of work being performed by HCM members is proportionate to HCM trade activity and the cash invested into community efforts by donors. This system creates an incentive for each HCM member to donate into the HCM Reserve and encourage peers and philanthropists to donate, as well.
To limit the supply of credits and ensure regulation of the value of credits, there will be a low limit of credits that can be issued weekly. The longer an HCM member participates in the program, the higher the weekly limit of attainable credits becomes. The weekly limits are also a control put in place to discourage abuse of the HCM system by individuals seeking quick returns or to exploit the process.

III. Credit Futures & Options Market
HCM is comprised of a futures market, called HCM Futures & Options, in which traders can enter contracts to buy or have the option to buy HCM-credits at future dates at predetermined prices. Due to HCM credits’ high but semi-predictable price volatility it will be an attractive market for high-frequency traders, some of whom could produce excellent returns. Each trade made in HCM Futures & Options will produce more cash assets in the HCM Reserve and put upward pressure on the value of HCM credits, helping to sustain the system and finance the promotion of community efforts across the country.
Given a new, highly-liquid market to contribute to economic prosperity, backed by human capital to empower communities, the results could solve many of the issues in education, crime, sanitation, poverty, and healthcare which cannot be resolved today by some constrained state and federal budgets.

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