Resources

The Circlworld Protocol — White Paper

Financial Identity Infrastructure for the Cash Economy

About this paper

The Circlworld Protocol white paper describes the architecture, economic model, regulatory positioning, and rollout strategy of the Circlworld protocol — a non-custodial coordination infrastructure for community savings practices like pardna, susu, ajo, and equivalents worldwide.

Version 1.3 introduces the Treasurer Partnership Program at the centre of the protocol's operating model, alongside a complete revenue architecture, the AI Assist three-tier framework, mobile applications strategy, and the three-stakeholder model that frames how members, the operating company, and treasurer partners share in the value the system creates.

Current version: 1.3 (May 2026) — 81 pages

Principal author: Drew St'Clair (Barrister of Middle Temple, England & Wales; Attorney-at-Law of Jamaica)

Operating entities: Circlworld Technology Limited (Jamaica) and Circlworld Technology Ltd (United Kingdom)

Download the white paper (PDF, 268KB)

What's new in v1.3

Version 1.3 preserves the full v1.2 content (72 pages) and adds:

•Section 5A — The Three-Stakeholder Model

•Section 12A — AI Assist Three-Tier Framework

•Section 14A — Revenue Architecture — fourteen revenue streams

•Section 18A — Treasurer Partnership Program — activation bonuses, tiered residuals, Identity Levels

•Section 20A — Mobile Applications and Phased Development

•Appendix A extensions — v1.3 glossary terms

Previous versions

Earlier versions are superseded by v1.3 and retained for archival purposes only: