Circular exchange of
tokenized assets

BUIDL a community system fed by material and social assets (such as mobility, data, energy) to create a richer and more inclusive community (founded on community-based business models). In this new hybrid payment system people can manage and exchange assets other than money, do it peer-to-peer and against the right exchange rates.


If we want to incentivise a local, inclusive and circular economy, we need to be able to label assets as to provenance: this energy is green, solar panel induced and local. How can we manage and exchange these assets, peer-to-peer, at the right exchange rate and within a circular economy?

For the last four years, research facilitated by Our Common Future 2.0 Foundation ( has explored how such a community system could take shape. This has resulted in a White Paper on system requirements and an inventory of possible means, resulting in a typology based on different types and value categories, with nearly a hundred possibilities. Now is the time to move from research and knowledge to the building of prototypes.

The ambition of this track is a contribution to a broader societal transition towards sustainability, the circular economy, and people’s participation (inclusivity). We think that changing the ways we shape everyday transactions impacts the social and ecological sustainability of the economy.


Business Models – Radboud University, TNO, Hanze UAS;

Transaction-systems – Innopay, Betaalvereniging;



Any platform that offers the possibility to deal with multiple values/currencies simultaneously and the ability to create smart contracts between transaction partners.


Startup: depending on the stage of development; only if they already have an established organisation, with a portfolio of challenge-related solutions up and running.
Mature SME: preferred, with the ability to understand the problem and a hands-on approach to creating applications.


Application solution
Suggested protocols are: (1) Ripple Consensus Network (multiple currencies), (2) Ethereum (smart contracting), and possibly (3) OpenChain (partitioned consensus if required by the solution).


Open source, so results can be shared.

Acceleration of social and material sustainability for all kinds of people in their everyday lives NOW!

Ambition and goals

Goal is to walk out of the Hackathon with five prototypes of Apps that truly allow Inclusive Banking

Track record in innovation and acceleration with teams/companies

Since 2010 we have worked with both smaller and larger groups (up to 450 people) on co-creating knowledge and solutions. This is probably our fifteenth project over the years and our first ‘digital’ one.


Current consortium. The ‘Inclusive Banking’ Challenge has a consortium made up of payment organisations (such as Innopay and the Dutch Association of Banks), research institutes providing knowledge about business models and hybrid transactions (Radboud University and TNO) and businesses, as we’d like to work with their commodities (Remondis, Engie, DLL etc.). We also have the support of various pension funds, as they have already acquired experience in recent years with the idea of turning commodities into transactional value (APG, PGGM).


Welcoming: We would love to have representatives for cities (London, Copenhagen, Maribor, Antwerp, Milan, etc.) join our consortium.



What does the partner have to offer. To be included

What do consortium partners have to offer. To be in included



Faber, N., & Jonker, J. (2019). At your service: how can Blockchain be used to address societal challenges? In H. Treiblmaier & R. Beck (Eds.), Implication of the Blockchain. London: Palgrave-MacMillan.

TEDx Zwolle:

(b) MOOC Iversity on New Business Models:

(c) WhitePaper ‘Hybrid Banking’:

Don’t forget to check the following content to get a better insight into the topics of this challenge:
See the presentations from the Track Deep Dive: here (Jan Jonker) and here (Dre Kampfraath)



Dre Kampfraath, board member OCF 2.0, Partner Interimic.

Any questions? Please contact Dre and the entire Track through the community Inclusive Banking-group: 

Interview with Dr. Jan Jonker, Radboud University

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Odyssey hackathon 2019

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