{"as_of":"2026-10-23T21:28:43.113Z","charter_version":"3.2","currency":{"symbol":"V̅","name":"Vibe"},"ubi":{"monthly_headline":400,"daily_disbursement":12.9032,"cadence":"daily","minor_handling":"routed_to_registered_guardian","charter_floor_monthly":400,"charter_floor_ratio":0.8,"charter_floor_basis":"80% minimum (constitutional Charter §§3.2/5.3); above-floor growth is permitted under §5.4 AAM","rate_activation":"separate_authorization_required","charter_ceiling_monthly":null,"charter_ceiling_basis":"Retired mistaken interpretation; this is a constitutional minimum, not a ceiling."},"thriving_threshold_monthly":500,"transaction_levy":{"current_rate_percent":2,"pending_rate_percent":null,"pending_effective_date":null,"bounded_range_percent":[0,5],"applies_to":["purchase","payment","transfer","reward"],"exempt":["refund","system_transactions"],"collected_from":"receiver","destination":"retired_from_circulation","charter_name":"Micro-Transaction Levy"},"demurrage":{"rate_annual_percent":2,"threshold_multiple_of_thriving":1200,"threshold_amount":600000,"threshold_years_of_thriving":100,"applies_to":"surplus_above_threshold_only","description":"Annual carrying cost charged ONLY on the portion of a balance above 100 years of thriving (1,200x the monthly Thriving Threshold). Nothing at or below the threshold is ever demurraged. A constitutional brake on pathological mega-accumulation alone (Charter v1.0 §4.4 Mechanism 3); working and saving citizens are entirely beyond its reach."},"ubi_taper":{"annual_income_threshold":90000,"threshold_multiple_of_thriving_per_year":180,"description":"High-income earners receive gradually reduced UBI above the annual income threshold."},"base_rate_percent":1.49,"base_rate_change_admin_threshold_pp":0.5,"founding_grant":{"per_citizen":1000,"per_business":10000,"description":"One-time genesis issuance at Charter v1.0 launch (April 12, 2026)."},"mandates":{"nvcpi":{"name":"New Vibe City Price Index","acronym":"NVCPI","priority":1,"target_band_percent":[2,4],"target_label":"2.0%–4.0% annual inflation","scoring":"weighted_basket_yoy","basket":[{"key":"housing","label":"Housing","weight_percent":30},{"key":"food","label":"Food","weight_percent":25},{"key":"healthcare","label":"Healthcare","weight_percent":15},{"key":"transportation","label":"Transportation","weight_percent":10},{"key":"education","label":"Education","weight_percent":10},{"key":"communications","label":"Communications","weight_percent":5},{"key":"recreation","label":"Recreation","weight_percent":5}],"aam_tiers":[{"tier":1,"tier_name":"Deflationary","nvcpi_range":"Below 2.0%","max_ubi_growth_rate_percent":10,"growth_limit_period":"annual","growth_limit_source":"bank_operational_policy","description":"Inflation below target floor. UBI growth accelerated up to 10% to stimulate demand and support citizens."},{"tier":2,"tier_name":"Optimal","nvcpi_range":"2.0% – 3.0%","max_ubi_growth_rate_percent":5,"growth_limit_period":"annual","growth_limit_source":"bank_operational_policy","description":"Inflation within optimal band. UBI growth permitted up to 5%. Standard operating conditions."},{"tier":3,"tier_name":"Elevated","nvcpi_range":"3.0% – 4.0%","max_ubi_growth_rate_percent":2,"growth_limit_period":"annual","growth_limit_source":"bank_operational_policy","description":"Inflation at upper bound of target range. UBI growth restricted to 2% maximum. Monitor closely."},{"tier":4,"tier_name":"Overheating","nvcpi_range":"Above 4.0%","max_ubi_growth_rate_percent":0,"growth_limit_period":"annual","growth_limit_source":"bank_operational_policy","description":"Inflation above target ceiling. UBI growth frozen. Retirement mechanisms should be activated. Consider rate increases."}],"trend_direction_threshold_pp":0.2,"failure_emergency":{"inflationary_spiral_above_percent":6,"deflationary_trap_below_percent":1}},"evi":{"name":"Economic Vitality Index","acronym":"EVI","priority":2,"target_percent":96,"target_label":"96%+","scoring":"activity_weighted_business_count","scoring_description":"Each business is weighted by recency of its last sale and last purchase. The composite EVI is the weighted active count divided by total registered businesses, expressed as a percentage.","tiers":[{"tier":"active","weight":1,"criteria":"Last sale ≤ 7 days AND last purchase ≤ 14 days"},{"tier":"recent","weight":0.75,"criteria":"Last sale 8–30 days"},{"tier":"slowing","weight":0.5,"criteria":"Last sale 31–60 days"},{"tier":"inactive","weight":0.1,"criteria":"Last sale > 60 days, or never sold"}],"failure_emergency":{"employment_crisis_below_percent":90}},"nvcxi":{"name":"New Vibe Citizen Experience Index","acronym":"NVCXI","also_known_as":"Happiness Index","priority":3,"scale":"100-point","target":70,"target_label":"70+ on 100-point scale","scoring":"weighted_components","components":[{"key":"housingSecurity","label":"Housing Security","weight_percent":25},{"key":"economicSecurity","label":"Economic Security","weight_percent":25},{"key":"accessToServices","label":"Access to Services","weight_percent":20},{"key":"communityEngagement","label":"Community Engagement","weight_percent":15},{"key":"lifeSatisfaction","label":"Life Satisfaction","weight_percent":15}],"failure_emergency":{"happiness_emergency_below":60}}},"reserve_fund":{"minimum_target_percent":20,"description":"If reserves fall below this fraction of the target level, a Systemic Liquidity Crisis is triggered."},"policy_lag_months_range":[3,6],"mandate_hierarchy":["Price Stability (NVCPI) is the supreme mandate. When mandates conflict, NVCPI wins.","Economic Vitality (EVI) is pursued aggressively within bounds permitted by NVCPI.","Citizen Experience (NVCXI) is the ultimate purpose; achievable only when NVCPI and EVI are maintained."]}