Minuto

IM-01 5: fully permissionless, every holder is their own issuer and needs only two guarantors. IM-02 4: a voucher is a claim on the issuer's own work, never an interest-bearing loan and never bank credit. IM-03 5: one voucher is one measured amount of work time, the tightest possible link to real activity. IM-04 3: no cap, but the guarantor requirement and social limits bound issuance in practice. IM-05 5: five-year expiry destroys supply automatically. Average 4.4.

SPS-02 4: the benchmark is minutes of qualitative work, a real-economy anchor rather than a fiat peg. SPS-01 2: nothing targets stability, the unit is stable by definition instead of by mechanism. SPS-03 2 and SPS-04 2: no measurement and no published deviation record, and groups still quote a euro equivalent (about 30 euro an hour) in practice. SPS-05 3: expiry handles long-term drift. Weighted 2.8.

FI-01 4: the unit of account is a minute of work, defined without reference to any currency, though a euro rule of thumb is used for pricing. FI-02 5: no reserves at all, backing is the issuer's own labour. FI-03 5 and FI-04 5: no bank and no oracle anywhere in the design. FI-05 5: a currency collapse leaves Minuto untouched. FI-07 3 and FI-08 2: paper vouchers do not compose with other systems and there is no interoperability standard. Weighted 3.9.

TR-01 3: alive but small, minuto.org was rebuilt and translated into new languages through May 2026. TR-02 4: continuous since 2009. TR-03 2 and TR-04 2: no user or merchant count is published anywhere, verified activity is a handful of regional groups such as Minuto Ostalb in Aalen. TR-05 4: within a group, goods and services are priced in Minutos. TR-06 3: the inventor has stepped back, other people run the main site. TR-07 1 and TR-08 2: no institutional partners, coverage is niche. TR-09 5: entirely organic, nobody funds it. TR-10 2: flat. Weighted 2.7.

SO-01 5 and SO-02 5: paper vouchers signed by neighbours, there is no server, company or association to shut down. SO-04 5: nobody holds anyone's money. SO-06 5: no third-party dependency of any kind. SO-07 5 and SO-08 5: hand-to-hand paper is uncensorable and leaves no record. SO-03 3: the practice sits under German and Austrian law, though no entity does. SO-09 3: the rules are enforced socially by the guarantor signatures, not by technology. Weighted 4.1.

GO-01 2 and GO-02 2: there is no decision-making body, which also means there is no process. GO-03 3: the rules and voucher templates are published openly. GO-04 4: nothing exists to capture. GO-07 3 and GO-08 4: the issuance rules are printed on the voucher itself and no one can change them for anybody else. Weighted 2.8.

RE-02 5, RE-04 5 and RE-05 5: paper and two signatures, no infrastructure to fail and nothing to become obsolete. RE-08 4: works with no power and no network. RE-01 3: 17 years of continuity, no crisis test on record. RE-06 2: no mechanism for economic stress, a defaulting issuer is handled by the guarantors alone. RE-07 2: no funding and no maintainer of record. RE-09 1: no machine-readable form. Weighted 3.0.

IN-01 4: anyone can join who can find two guarantors. IN-02 5: the cost to start is a sheet of paper. IN-03 5: aimed at people without income, retired people and neighbourhood help. IN-04 5: the issuer keeps the full value of what they issue, so seigniorage goes to everyone. IN-05 5: identical rules for every participant. IN-06 5: no identity documents and no surveillance. IN-07 4: expiry stops long-term hoarding. Weighted 4.7.