Built on the Sardex/WIR mutual-credit model. RUIL Credits circulate through the ecosystem, unlock every door, and never convert to Rand — so value stays in the community.
10% cap per member · 3× debt cap · Notional ZAR valuation for VAT 404 compliance
Ubuntu Bonds + Ubuntu Debt · Obligation graph, not a score · Graeber / Ostrom foundations
Mielies → Chips = 4× value · Multi-step value chains · 5% Chain Bond per step
Fortnightly physical markets · Market Day Elders · Stokvel escrow on-site · 134RUIL# USSD
One account unlocks all ten. Each door is a distinct market with its own compliance, its own logic, its own colour — powered by a shared spine.
The same five people appear across every pitch document — proof that ten branded doors are really one product for five real South Africans.
From registration to first transaction — four steps, one account for all ten doors.
Every door is designed to unlock capital that already exists — B-BBEE obligations, government programmes, and youth subsidies that sit unused because there's no compliant home for them.
DTIC fund for township retail. WinsKopies, SaamStig and Lekker Local qualify as digital spaza support.
Employers on WERKNET receive a 50% YES subsidy on every youth placement — lowers hiring cost to near-zero.
Micro-to-growth loans routed through WERKNET and Lekker Local onboarding flows.
Corporates fulfil B-BBEE obligations by transacting through Pietarien doors — measurable, auditable, impact-ledgered.
Mandatory levy grants routed into WERKNET learnerships. Every qualification is portable and attested.
The RUIL Cooperative holds PBO/18A status. Donors receive tax deductions on Ubuntu Ledger contributions.
Register free. One account. Ten markets. Every transaction builds on trust, not just money.