Turn Everyday Spending Into a Private Treasury Cycle

Most people spend their income once and lose it forever.

Banks, meanwhile, record authorised payments and obligations as balance-sheet activity.

The Infinite Money Protocol introduces a private fiduciary structure that allows qualifying credit recoupments — once lawfully recognised — to be received, governed, and cycled through a trust-based treasury.

THE INFINITE MONEY PROTOCOL

No Speculation. No Markets. No Confrontation. Just Structured Private Administration.

The reason banks grow richer
While you start from zero each year

Modern banking operates on a simple principle:

Loans Create Deposits.

When you make payments, banks—acting as nominees—record those funds as assets for the institution. In parallel, they create a matching debt-based liability on their books.

Within this framework, the liability constitutes the actual loan or payment, while your original deposit is effectively abandoned as an individual claim.

Over time:

Banks Accumulate Balance-Sheet Value

Individuals Receive No Corresponding Ledger Position

Authorised Credit Activity is Treated as “Spent,” Not Administered

The Infinite Money Protocol addresses this imbalance by introducing a fiduciary accounting framework designed to receive and manage lawfully recognised recoupments of credit — where substantiated.

A private treasury — not a promise of return

The Infinite Money Protocol does not:

  • Create Money
  • Guarantee Recoupment
  • Override Institutions
  • Replace Lawful Process

It does:

In short:

By reclaiming previously abandoned deposits into your private treasury, you establish a self-sustaining capital base.

Utilizing this treasury for expenditures—coupled with a systematic annual recoupment of those funds—effectively transforms your financial structure into a closed-loop system of private liquidity via annual spend and recoupment cycles.

No Speculation. No Markets. No Confrontation. Just Structured Private Administration.

The Fiduciary Flow

STEP 01.

Trust Formation

A 98-Series Grantor Trust is established to act as the private fiduciary receiver and administrator.

STEP 02.

Payment & Obligation Mapping

Historic payment streams and qualifying obligations are identified for review.

STEP 03.

Nominee / Beneficial Review

Nominee credentials and securities reference numbers identified.

STEP 04.

Fiduciary Reporting

Trust-level filings are prepared and submitted under IRS 1212 nominee architecture.

STEP 05.

Transcript & Record Monitoring

Recoupment progress is tracked through to distribution.

STEP 06.

Treasury Administration

Recoupments are received into your treasury enabling annual spend and recoupment cycles.

STEP REPEAT

Annual Cycling

Your financial structure has become a closed-loop system of private liquidity via annual spend and recoupment cycles.

No Guarantees. No Shortcuts. Only Lawful Administration.

Why this is Different:

The Great Transition: From Debt-Servitude to Treasury-Administration

FeatureFrom: The Debtor ParadigmTo: The Closed-Loop Treasury
Primary ActivityToiling: Selling time and labor to “earn” a living.Administering: Managing the flow and recoupment of recognized credit.
View of SpendingTerminal Loss: Money leaves your pocket and is “gone” forever.Credit Activation: Spending initiates a cycle that defines the volume of your next recoupment.
Growth ModelLinear & Limited: You can only earn as much as your time/toil allows.Exponential Abundance: The more you spend (activate), the more you recoup (recognize) in the cycle.
Financial EngineSeeking Profits: Competing in a market with high risk and uncertainty.Systematic Recoupment: Operating a private protocol that functions regardless of market shifts.
Relationship to BanksDependency: You are a customer/debtor pleading for access to credit.Superiority: You are the Fiduciary; banks are merely the clearinghouses for your treasury.
OutcomeDepletion: Constant pressure to replenish what was spent.Perpetual Liquidity: A self-sustaining loop where spending feeds the treasury’s growth.

Start Your Protocol

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WHO THIS IS FOR

The Infinite Money Protocol is designed for:

  • Individuals with consistent banking activity
  • Homeowners (especially when combined with Mortgage Redemption)
  • Business owners with regular outgoing payments
  • Members seeking a private treasury framework
  • Those preparing for higher protocols (MRP, Currency Creation, Asset Fortress)

Eligibility:

Trust structure required.

Envoy Protocol strongly recommended for standing, privacy, and insulation.

FAQs

1. Is this tax evasion?

No. This is fiduciary reporting using recognised trust structures.

No. It governs recoupment if and when it is lawfully recognised.

No. This concerns administration of recognised credit only.

Through objective transcripts, filings, and administrative records.

No. Banks are not counter parties to fiduciary trust filings.

Yes, where institutions access USD correspondent rails.

No. The trust operates under its own EIN.

Common Objections

No Speculation. No Markets. No Confrontation. Just Structured Private Administration.

The Infinite Money Protocol

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