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How do money and trade help people?

Start with the big picture. Open the sections below to see the evidence and future goals.

54/100Comparison scoreAn editorial model, not a scientific grade.
17Milestones to exploreA mix of capabilities and future goals.
0Linked measurementsOpen a measurement for its source and date.
Civilization Index SCORE
54/100Index weight 5

Steps toward the future

Explore the milestone ladder
  1. doneCooperativeBitcoin genesis block2009LEVEL 2
  2. doneCooperativeEU MiCA fully in force; HK and UAE stablecoin regimes live2024–26LEVEL 2
  3. doneCooperativeBasel SCO60 crypto capital standard in forceJan 2026LEVEL 2
  4. doneCooperativeJoint SEC–CFTC crypto taxonomy and MOUMar 2026LEVEL 2
  5. nextCooperativeUS stablecoin law with final rules (GENIUS: 0 of 5 final)effective Jan 2027LEVEL 2
  6. nextCooperativeDTC tokenized settlement in full productionOct 2026LEVEL 2
  7. nextCooperativeRemittance cost below 3% (SDG 10.c)6.36% todayLEVEL 2
  8. plannedCooperativeEMDE clean-energy cost-of-capital gap halved> 2× todayLEVEL 3
  9. nextCooperativeMajority of FSB jurisdictions with finalised frameworks (11 of 28)LEVEL 2
  10. plannedCooperativeUS market-structure law enacted (CLARITY)Senate cloture failed Sep 2026LEVEL 3
  11. plannedCooperativeAgentic payments at scale on stablecoin railsLEVEL 3
  12. plannedCooperativeUnbanked adults below 500 million1.3B todayLEVEL 3
  13. farCooperativeStablecoin volume passes card networks; tokenized RWA > $1TLEVEL 4
  14. farCooperativePatient-capital layer funds decade-horizon science at $1.6T/yr scale; cost-of-capital parityLEVEL 4
  15. farCooperativeUnified ledger: atomic global settlement, programmable money by defaultLEVEL 4
  16. farGalacticA neutral global unit of accountLEVEL 4
  17. farGalacticTrade dependence as the primary instrument of powerLEVEL 4
POSSIBLE ROUTE FORWARD

Action path

2026–2028Editorial horizon

This near-term path is shared with the corresponding Cooperative track.

TARGET

Level 2: final US rules; CSD tokenization in production; FSB majority; market-structure law

Explore the possible steps

Possible steps

  1. GENIUS rules final before Jan 18, 2027
  2. DTC tokenization full launch (Oct 2026)
  3. FSB count crosses 14 of 28 as MiCA, UK, Japan regimes bite
  4. CLARITY returns in a new Congress
  5. Stablecoin rails cut remittance cost toward 3% and bank the next 500M
  6. Blended and patient capital halves the EMDE cost-of-capital gap; the $1.6T/yr clean build-out gets financed
THE CRUX · DECISION POINT

One settlement layer (a unified ledger) versus fragmented national tokenized systems

IF THE MAINLINE STALLS

Without a US market-structure law, the EU and Asia set the template; US adoption routes through banks and ETPs

What to watch

Final rules count; tokenized RWA outstanding; agentic payment volume; remittance cost; unbanked adults

Related snapshot measures

These are the available measures in the supplied dataset; they may be proxies for the leading indicators above.

A scenario from the supplied handoff, not a prediction or professional advice.

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Reported fact

A number from a named source. Check when, where and what it measures.

Model or score

A way to compare things using chosen rules. Different rules can give different scores.

Future goal or scenario

Something we hope to achieve, or imagine might happen. It is not a measured fact.

Milestone
An important step toward a goal.
Indicator
A measurement that helps us understand something.
Dependency
Something that may need help from something else.
Biodiversity
The variety of living things.
GW
Gigawatts: a unit of power. Capacity is what equipment can produce at its rated output.