YAM JAM • XP & NWP • accounting only • not money
Loyalty Points (XP & New World Penny)
In our community we call this YAM JAM — You And Me, Just Alternative Money. That phrase sounds like money, but here’s the truth: it is not money. It’s a simple way to measure and record real help using loyalty accounting.
What YAM JAM means (in plain language)
- You And Me = real people helping each other
- Just = fair, simple, and easy to understand
- Alternative Money = a measuring stick for human value, not cash
Important
“Alternative money” here means alternative measuring.
It does not mean a bank account, a wallet, or something you spend like dollars.
The simplest way to understand the points
- XP = loyalty accounting points for verified participation
- New World Penny (NWP) = one “thank you” point for each delivery helper
- Points are recorded in a general ledger for tracking only
- Points are not money and do not work like a bank balance
Peg used for accounting
21,000 : 1
For ledger math only: 21,000 units are treated as the bookkeeping equivalent of $1.
This is not an exchange feature—just a consistent measuring stick.
Smallest accounting unit
1 / 10²¹
The ledger can record value down to a sextillionth of a penny
(a 1 with 21 zeros).
This lets many helpers receive credit without rounding away their effort.
Why use the 21,000-to-1 peg?
People understand dollars. The ledger uses the 21,000-to-1 peg as a familiar reference so reports
can be read easily. It remains general ledger accounting only.
Examples (simple and practical)
| Situation | What is recorded | Why it matters |
|---|---|---|
| Buyer confirms a delivery | $5 buyer rebate in XP (loyalty accounting) | Rewards the buyer for completing the final acceptance |
| 30 people help move a package | 30 NWP (one per helper) issued by seller | Recognizes every helper fairly |
| Many small acts over time | Ledger totals in tiny units (down to sextillionths) | Keeps long-term accounting accurate and fair |
Where money is handled (simple)
The d-DAO General Ledger is non-custodial and does not hold or move money.
The Voluntary Fulfillment Network (VFN) is the sole custodial network for any fiat or MSB activity.
This page explains loyalty accounting records only.
Cookie Jar Economy launch
Seller pledges (like $10.30) support the Cookie Jar Economy scheduled for May 17, 2030.
Until then, the ledger focuses on verified records and loyalty accounting.