WP0009—Municipal CBAs

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This whitepaper explores how Constitutional Business Alliances (CBAs) can be adapted to support municipal governance by first prototyping potential changes within Homeowners Associations (HOAs). HOAs operate like private cities, making them ideal environments for safe experimentation with advanced governance features that would be difficult to implement directly in existing municipalities. These include bicameral legislatures representing both property owners and residents, and Value-Linked Currencies (VLCs) tied to local property values. Creating thousands of decentralized local currencies—municipal VLCs—could reduce overregulation, incentivize local investment, and help resolve broader challenges tied to centralized currency systems.