Money Talks

The MONEY TALKS-series presents alternative money systems, community currencies and sustainable cryptos.

Our first Money Talk featured Karim Chabrak, founder of Coinsence is non-profit platform for strengthening the civil society, empowering social and ecological engagement and supporting building a collaborative, inclusive, fair and sustainable economy. Coinsence is building an open source social collaboration tool which enables communities and projects to create own coins which can be exchanged and distributed for individual value contributions.

Enjoy our #MONEYTALKS-podcast with Karim Chabrak, interviewed by Caroline Bertram:

Shermin Voshmgir, director of the Research Institute for Crypto Economics at the Vienna University of Economics and founder of BlockchainHub, was our guest for #MoneyTalk 2 on February 22, 2018 at SUPERMARKT. She was sharing her thoughts on the token economy and the roles and functions of money. Here is the abstract of her amazing talk:

There is a widespread misconception that Bitcoin and tokens that have derived from similar technologies, are currencies comparable to fiat currencies like EUR, USD, etc. This talk points out why Bitcoin and other crypto tokens are not currencies in the traditional sense, but rather a new asset which has more similarities to commodity money rather than to fiat money. It is furthermore an operating system for a new type of economy with distributed governance that can transcendent geographic boundaries of nation states. The biggest challenge that we face, when we are trying to explain or discuss Bitcoin, Blockchain and Tokens, is that we are trying to explain new phenomena with old terminology that sometimes don’t do justice to the full range of possibilities that these new technologies have to offer. While it might be counterproductive to call Bitcoin a currency, it does have similarities with money as we know it. But what are the roles and functions of money, and can a token economy eradicate the monopoly of nation states to issue money?

Video of “Token Economy – The Future of Currencies?” by Shermin Voshmgir

Caroline Bertram has produced a podcast with our guest of Money Talks #3 Ludwig Schuster:

Money Talk #3 The Money is the Message: Turning Credit Creation into a Force for Good

In this Money Talk session at SUPERMARKT, Ludwig Schuster lays out why money actually is the message and how capitalism’s core feature – credit creation t hrough banks – counteracts our efforts for sustainable change.Together, we will explore – and prototype! – some monetary design hacks to turn credit creation into a force for good. (May contain traces of blockchain).

In a capitalist economy, institutions known as banks create credit for what is expected to be profitable.
No monetary profit, no credit. No credit, no money.

Bank credit is the core driver that allows but also forces us to reproduce an economy of growth, day by day. All of us.
More than three decades after the rise of the environmental movement, it should be crystal clear: Sustainable change fails to materialise, because long term thinking and eco-social impact is not accounted in banks’ balance sheets.

Bank credit is what forces us to behave profitable instead of sustainable.
If credit creation lies at the heart of the problem, could it be a key to its solution? „It is the institution of credit that is the real disruptor“ – Perry G. Mehrling (INET)

Imagine credit creation that puts people and the planet first.Imagine a global good impact economy, nurtured by ‚impact credit‘.

Ludwig Schuster is a freelance strategy consultant for the ‚good‘ economy. As a founding member and researcher of Sustainable Money Research Group he published on Regional Currencies, National Parallel Currencies, Carbon Currencies and Energy Currencies, as well as on the monetary drivers of economic growth. With many years of expertise in monetary systems and token design, he has been advising several green FinTechs and digital currency start-ups. He is also a co-organizer of the Conscious FinTech meetup series at Impact Hub Berlin, where FinTech and cryptocurrency engineers meet social innovators.



From 2018 on


Karim Chabrak
Shermin Voshmgir
Ludwig Schuster


Ela Kagel

Conscious Fintech Meetup