Associazione Nazionale Banche del Tempo

IM-01 4 (any member creates credit simply by giving an hour, subject only to joining a local bank), IM-02 4 (a negative balance is an obligation to give time back, and it carries no interest and no collateral), IM-03 5 (every unit is one hour of work that was actually delivered, which is the tightest link to real activity in the catalogue), IM-04 5 (supply expands and contracts with hours given and taken, no cap), IM-05 5 (spending an hour destroys it automatically). Average 4.6.

SPS-01 3 (the unit is stable by definition rather than by any targeting mechanism), SPS-02 4 (one hour of care is the benchmark, which the framework treats as a genuine real-activity anchor), SPS-03 3 (each local bank keeps its own ledger, often on paper), SPS-04 5 (an hour has bought an hour for the whole life of the movement), SPS-05 4 (an hour holds its meaning across decades), SPS-06 2 (you have to be in a local time bank). Weighted 3.7.

The strongest category and the reason the total lands where it does. FI-01 5 (the unit of account is the hour, defined without reference to any currency), FI-02 5 (there are no reserves at all), FI-03 5 (no bank account is involved in the money), FI-04 5, FI-05 5 (a euro collapse has no transmission path into an hours ledger), FI-06 5 (it was never fiat based, so there is nothing to transition from), FI-07 4 (each local bank runs its own ledger on the same hour standard), FI-08 3 (cross-bank exchange happens through the association rather than through a published standard). Weighted 4.6.

TR-01 4 (events run through June 2026, but the movement is smaller than it was), TR-02 5 (the association since 2007, Italian time banks since 1992), TR-03 2 (no membership figure is published anywhere the association owns), TR-04 1 (there are no merchants, all exchange is person to person), TR-05 5 (every exchange is priced in hours, which is as strong as this question gets), TR-06 4 (a named president and a live national assembly), TR-07 4 (municipalities, and European projects with Spain, Portugal and Kyrgyzstan), TR-08 5 (Italian law 53/2000 names time banks and academic work covers them), TR-09 5 (entirely volunteer, no subsidy drives the exchange), TR-10 3 (steady activity, no growth figures), TR-11 4 (thirty-year anniversaries and a clear founding story). Weighted 3.5.

SO-01 4 (no one can switch off dozens of independent local associations), SO-02 4 (anyone can start a time bank, the method is public), SO-03 2 (Italian law and Italian associations), SO-04 5 (no money is held, so there is nothing to custody or seize), SO-05 3 (the national association rests on a few volunteers, the local banks do not), SO-06 5 (no third party is needed), SO-07 3 (a local bank admits and can expel members), SO-08 4 (local ledgers, no surveillance infrastructure), SO-09 1 (nothing technical enforces the rules, they are statutes and habit). Weighted 3.2.

GO-01 4 (statutes, a national assembly, regional coordinations), GO-02 4 (member time banks vote), GO-03 3 (assemblies are announced publicly, minutes are not online), GO-04 4, GO-05 3, GO-06 3, GO-07 4 (the equality of every person's hour is the founding principle of the movement), GO-08 3 (that rule is protected by norm rather than by structure). Weighted 3.4.

RE-01 4 (nineteen years including a pandemic that banned the in-person exchange it depends on), RE-02 4 (no central infrastructure to lose), RE-03 4 (any group can restart a time bank from public method), RE-04 5 (one hour for one hour fits in a sentence), RE-05 5 (no technology dependency), RE-06 4 (inflation and bank runs cannot touch an hours ledger), RE-07 2 (volunteers, dues and occasional municipal support), RE-08 3 (hours are timeless, but the exchange needs people in the same place), RE-09 1 (an AI agent cannot deliver an hour of company). Weighted 3.3.

IN-01 3 (open to anyone who can reach a local bank), IN-02 5 (a token membership fee), IN-03 5 (it serves people with time and no money, which is the point), IN-04 5 (no seigniorage exists, every hour goes to a member), IN-05 5 (the founding rule is that a musician's hour and a cleaner's hour are worth the same), IN-06 4 (a name and a contact, no documents), IN-07 5 (hours earn nothing by sitting still). Weighted 4.5.