Vector Money

Credits in the Rider Protocol
v0.2 · April 2026 · David Pinto & Claude (Anthropic)

Core Principle

In exchange, money flows opposite to goods. In vector money, credits flow with the gift. This reversal has structural consequences.

Exchange creates scarcity anxiety.
Sharing creates forward confidence.

Credits in the Rider

"credits": {
  "n": 5,
  "dir": "past",
  "to": "target-id"
}

Three Directions

past Sharing — What already exists. Acknowledging value already received; flowing credits back to those who contributed upstream.

present Inviting — Engagement now. Welcoming someone into the network; a gesture of present recognition.

future Investing — What should exist. Supporting work that hasn’t paid off yet; trusting potential.

Conservation

Credits are conserved. Each agent tracks: balance, total_sent, total_received.

Invariant balance = initial_allocation + total_received − total_sent

Cannot send more than balance. A rider is invalid if credits.n > balance.

Organic Sharing (Virality)

Evaluative virality: content spreads because each person independently judges it worth propagating. This is not algorithmic amplification — it is judgment at every hop.

After n hops, content reaches up to kn agents. reach(n) = k^n where k is the average number of forwards per agent.

Social Neuron (Targeted Connection)

Credits can request specific connections through the network. The sender names a target-id and attaches credits. Intermediaries who forward the rider toward that target receive a share — a finder’s fee proportional to their SQ contribution.

The network routes by trust, not topology. A credit with direction becomes a signal that self-assembles a path.

Anti-Gaming Properties

Seeding

  1. Invented Credits — 1000 per agent. No monetary value. Purpose: demonstrate that meaningful credit flows are possible before money enters the picture.
  2. Money Bridge — $1 → 100 credits (initial rate). Rate floats based on demand. Conversion is voluntary and one-directional at first.
  3. Convergence to 1:1 — Exchange rate stabilises. Credits become money with direction.
    The moment someone voluntarily converts money into credits, they are making a lived evaluation that the system works.