Aggregate balance
£0
GBP equivalent at end of reporting period. Local-currency holdings preserved at each custodian.
Transparency · CPR
Circle Protection Reserve — where the funds sit.
The Circle Protection Reserve (CPR) is the Custody Framework Category B instrument — 10% of every Member contribution flows to a multi-signature escrow account at a regulated bank or credit union. The aggregate balance, the custodian banks, the inflows and outflows by category, and the audit attestations are below. Aggregate only — per-Circle balances are visible to that Circle’s Members in the Circle settings.
Circlworld never holds the CPR.
Per Custody Framework §1.2 the CPR is escrow-only — no Member-to-member option, no Member vote to override. The funds sit at regulated banks and credit unions under multi-signature control. The platform is the documentation layer; the bank or credit union is the custodian.
Top-line position
Year-to-date inflows
+£0
10% of cycle contributions across all participating Circles.
Year-to-date outflows
−£0
Departures + catastrophic-pathway absorption.
Net change YTD
+£0
Across 0 Circles holding CPR.
Balance by currency
Local currencies are preserved at each custodian. FX conversion at the GBP equivalent is computed at end-of-period mid-market rates for transparency only.
No balances reported yet — we haven’t completed a reporting cycle. Once funded, per-currency holdings publish here in local-currency + GBP-equivalent.
Custodian banks
Regulated banks and credit unions holding the CPR funds. Multi-signature operation per Custody Framework §1.4. Last reconciliation date shown — the platform reconciles weekly against bank statements.
No banks named yet — Circlworld doesn’t publish illustrative bank relationships. Once the first reporting cycle’s inflows are received, each regulated bank or credit union holding the funds appears here with its jurisdiction, multi-signature configuration, and last reconciliation date.
Outflows by Bylaws category
Per the Bylaws Exit & Reserve Policy v1.1, CPR outflows fall into three categories. Catastrophic pathway absorption (Category C) is the largest individual draw but the rarest event.
No outflows yet — the first reporting period has not closed. Once Circles report departures, the three Bylaws categories (A voluntary / B for-cause / C catastrophic) populate here with event counts and disbursed totals.
Catastrophic pathway
The catastrophic pathway absorbs up to 25% of the CPR’s balance for an event meeting the Bylaws Category C threshold (Member group facing simultaneous loss; documented hardship; Selection Committee or Town Hall consultation). When triggered, each event surfaces in the outflow table above.
Audit attestations
Quarterly internal review by Circlworld’s compliance function; annual external audit by an independent auditor per Custody Framework §6.2.
No audit attestations published yet. Quarterly internal reviews begin at the first quarter-end after escrow funding; the annual external audit follows at year-end. Each attestation letter publishes here with the auditor, outcome (clean / qualified / adverse), and the linked letter.
Geographic discipline
Each Circle’s CPR is held in a custodian account in the Circle’s residency jurisdiction. For cross-border Circles (Category C), the CPR follows the platform-recommended multi-jurisdiction escrow architecture per Custody Framework §1.3. Members’ funds do not cross borders unless their cycle disburses across borders.
Custody Framework Charter v1.0
The constitutional source — CPR is Category B (escrow-only, no Member vote).
Custody Framework Member guide
Plain-language walkthrough of the three custody categories.
Other transparency surfaces
Scholarship Pool annual report · Treasurer Governance · Council annual review.