Circular exchange of
tokenized assets

The ambition of the Inclusive Banking-challenge is to create a ‘community system’ fed by material and social assets (such as mobility, data, energy), with the aim to create a richer and more inclusive community (based on community-based business models).


If we want to incentivize a local, inclusive and circular economy, we need to label assets on its provenance: this energy is green, solar panel induced and from my local city. How do we manage and exchange these assets, peer-to-peer, against the right exchange rates and within a circular economy?


For the last four years, research facilitated by the 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 100 possibilities. Now is the time to move from research and knowledge to building prototypes.


The ambition of this track is to contribute to a broader societal transition towards sustainability, the circular economy, and the participation of people (inclusivity). We think that changing our way of shaping everyday transactions has impact on the social and ecological sustainification 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 offer the ability to create smart contracts between transaction partners.


Startup – in every stage of its development. We recognize that in this new field few companies are already established. Share your plans and/or portfolio when applying!
Mature SME – preference: ability to understand the problem and a hands-on mentality to realize 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 – result is shareable

Accelerate social and material sustainification with all kinds of people in their everyday life NOW!

Ambition and goals

Goal is to walk out of the Hackathon with five prototypes of Apps that really enable Inclusive Banking

Track record in innovation and working to accelerate with teams/companies

Since 2010 we work with smaller and larger groups of people (up to 450 people) to co-create knowledge and solutions. This is most probably our 15th project over these years and the first one where we go ‘digital’.


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


Welcoming. We would appreciate if people representing cities (London, Copenhagen, Maribor, Antwerp, Milan etc.)  would join our consortium




What does the partner offer. Details soon to be enclosed.

What do consortium partners offer. Details soon to be enclosed.




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.

(a) TEDx Zwolle:

(b) MOOC Iversity on New Business Models:

(c) WhitePaper ‘Hybrid Banking’:



Dre Kampfraath, board member OCF 2.0, Partner Interimic.

Any questions? Please approach 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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