Founding edition · 5 to 10 October 2026

Money should serve life. For most of the world it still doesn't.

Most people can't hold their own currency on chain. Here's the map of who can.

155 currencieshover the map
Live corridor Token issued Nothing yet Asked for, unanswered
155currencies in circulation
31have a stablecoin of any kind
3trade on the convener's own book, which is the honest small number
52country chapters already open
Start with your own

Find the money you actually live on.

Most people find theirs in the dark half of that map. That's usually the moment this stops being somebody else's problem.

Why it matters

This isn't abstract. It's a tax on people who can least afford it.

The top four are about the world and each one says where it came from. The four below are ours, and we say so. Mixing those together is exactly what our charter says we can't do.

And the part that is ours to answer for

Getting paid in someone else's money isn't really getting paid

More than ninety-nine per cent of all stablecoin value is a claim on the United States dollar. For a worker in Manila or Lagos that is not ownership. It is exposure to another country's monetary policy, plus a currency problem at the till. The instrument arrived. Their money did not.

The work

Three things, in order of difficulty.

None of this happens in a year. But all of it can be counted, so we publish the count once a year and you can check our working.

One

Every country issues its own

A stablecoin in the money people actually get paid in and pay rent in. Not a dollar with a local name stuck on it. Their own currency, on chain, redeemable, from an issuer a regulator can actually find.

Two

Every working adult holds one

A wallet, savings, and money you own outright. No bank hours, no remittance counter that shuts at five, nobody's permission needed. This is the slow part. It's also the part that changes anything.

Three

Every currency reaches every other

A token nobody will trade isn't much use. A currency only counts once someone is willing to quote it against another one at a fair price. That's a job. Someone has to choose to do it.

How it is run

Convened, not owned.

Sera convenes

We start it and pay for it

Sera.cx calls the week, runs the programme and publishes the count. That's all we do. The charter spells out what we're not allowed to do.

Chapters host

Countries run their own

India, the Philippines, Japan, Malaysia and 48 others run their own version under the one name. Organised locally, by people who live there.

The industry takes part

Issuers and firms join in

Bring a corridor, a demo, or something you were announcing anyway, and time it to the week. Competitors welcome. That's kind of the point.

Nobody is asking you to march anywhere

The whole entry price is one post.

You can't lobby a central bank and you shouldn't try. What actually moves this is small stuff you can do from a laptop. Say which currency you live on. Bring one person in. Write the explainer nobody has written in your language. Run a workshop for ten people.

The board

Every currency in circulation, and whether its people can hold it on chain

Pick yours. The board shows what state it is in and what your move is. Status comes from a September 2026 fact-check of public sources, and it is deliberately incomplete. If we have missed a stablecoin in your currency, or got one wrong, that correction is the most useful thing you can send us.

Open bounties

Currencies people asked for, that nothing answered

Over a forty-five day window the order book received 1,460 quote requests across 124 pairs. 776 of them found no liquidity on the other side. These are the biggest gaps. This is Sera's own quote log, not an industry statistic, and we publish it because the industry is who can close it.

What you can do

Seven things that actually help, none of which require permission

Roughly ordered by effort. The first one takes two minutes. The last takes a weekend. All of them pay into the experience ledger you already have at community.sera.cx, and none of them cost money.

01

Say which currency you live on

One post, in your own language, saying which currency you live on and whether it has a stablecoin. Sounds trivial. It isn't. Every post puts a country on the map, and you can't write it without picking a side.

50 XP250 XP on LinkedIn
02

Bring one person in

Not a hundred people. One. Someone who sends money home, runs a small import business, or gets paid from abroad. They're who this is for. And honestly they'll be more convincing at a family dinner than any of us are online.

75 XP88 gSera each way
03

Write the explainer your country does not have

In most languages there's nothing readable on what a local stablecoin is, what it isn't, and where the law stands. Write 800 words. Be honest about the risks. Link your sources. There's nothing else out there in your language, so people will find it.

150 XPListed on your chapter page
04

Send one real payment and publish the receipt

Send real money to a real person. Write down the corridor, what it cost, and what it replaced. Compare it to what a bank or a remittance shop would have charged. If it came out worse, say so. Verified stories go on the public wall and they do more work than any thread.

250 XPHuman reviewed before it pays
05

Run a workshop for ten people

A room, an evening, ten chairs. There's an agenda further down this page. You don't need to be an expert. You need to be about a week ahead of the room, and to say so when you don't know something.

500 XPgSera for the organising team
06

Represent your chapter during the week

Every country has a chapter. During the Epoch yours runs its own edition under the one name. Someone has to put their name on it, book a room or a call, and write up what happened afterwards. That can be you.

500 XPFlag Bearer badge
07

Learn to quote a pair, then teach someone else

Nobody explains this part properly. Quoting a currency pair is a real job with real risk and real income, and it's the only thing that turns a dead token into a working corridor. Learn it, do it small, then teach someone near you.

2,000 XP for an integrationSee the yield page
Step one, made easy

Your card, and your post

Pick your currency. You get a card worth posting and some words you can edit to sound like you.

Screenshot this. It's built to be posted.

Step five, made easy

A workshop agenda that works with ten people and no budget

Ninety minutes. No slides needed after the first ten. The only equipment is one phone per person and somebody willing to be the example.

TimeWhat happensWhy it is in the agenda
0:00Ask the room who sends or receives money across a border, and what it cost them last time.Starts with their problem, not your topic. The numbers people say out loud are always worse than they expect.
0:15Show what a stablecoin in your own currency would be. Name the ones that exist near you.Makes it local immediately. A dollar token is an abstraction; their own currency is not.
0:30Everyone installs a wallet and receives a very small amount from you.The moment it becomes real. Keep the amount trivial so nobody is anxious.
0:50Do one live swap between two currencies and read the rate out loud against a bank's.The comparison is the argument. Do not editorialise, just read both numbers.
1:05Explain where yield comes from, and where losses come from. Both, at the same length.If you only teach the upside you have taught them to get hurt. See the yield page.
1:20Ask who wants to run the next one, and write their name down before anyone leaves.A workshop that does not produce the next organiser was a talk, not a chapter.
Say this out loud in every session. Nobody in this movement gives financial advice and neither should you. Stablecoins carry issuer risk, smart contract risk and regulatory risk. The rules differ by country and some of them are unsettled. Tell people to check where they stand locally, and never to put in money they can't lose.
Yield, explained properly

Where the money comes from, and how it disappears

This is the bit that turns a dead token into a working corridor, and it's the bit nobody explains honestly. Read the losses section as carefully as you read the income section.

Not advice. Nothing here is financial advice and nobody in this movement is licensed to give any. This page explains how something works so you can understand it and teach it. What you do with your money is on you, and you should assume you can lose it.
First, what it is not

It's not staking and it's not interest

Not a savings rate

Nobody is promising to pay you a percentage. There's no rate card. If someone shows you a fixed one for this, they're selling you something else.

Not a reward for waiting

Money parked and left alone earns nothing here. The income shows up because you're doing a job. Stop doing the job and it stops.

Not risk free

There's a specific way this loses money, described below. It's not a rare edge case. It's just the cost of doing it.

The actual mechanism

You quote a price, and you get paid for standing there

Bids on one side, asks on the other, a gap in the middle. You post both prices and leave them resting. The gap between them is the spread, and on a live corridor competition keeps it to a small fraction of one percent.

Somebody crosses your price because it beats their alternative. You now hold more of one currency and less of the other, and you have earned the difference from the middle.

The income is in the round trip, not the single fill. Buy below the middle, sell above it, repeatedly, on a pair with genuine two-way flow. One-way flow is not a business, it is an inventory problem.

Why this matters to the Epoch and not just to you. A currency with a token but no one quoting it is on the board as issued and illiquid, which is the eighteen-currency middle column. The only thing that moves a currency from that column to trading is somebody deciding to quote it. That is a decision a person can make. It is the most direct contribution anyone in this movement can make to the actual mission.
Read this twice

The four ways this loses money

Teach these in the same breath as the income, every time, to everyone.

Risk one

Inventory risk

You get filled on one side and the market keeps going that way. Now you're holding the currency that's falling, in size, and the spread you earned is tiny next to the move. This is how most people lose money here. It has nothing to do with the tech.

Risk two

Being picked off

Someone knows something you don't, or just updates their prices faster than you update yours. They hit your stale quote on purpose. A quote you're not watching is an open invitation.

Risk three

The contract or the issuer

Your funds sit in a smart contract, and your position is in tokens issued by companies. Audits reduce contract risk. They don't remove it. An issuer can fail, freeze your balance, or lose its banking. Neither of these is theoretical.

Risk four

Where you live

Rules for holding and trading this stuff vary a lot by country, and some are unsettled or openly hostile. Tax treatment varies too. Check where you stand before you start, not after.

Doing it yourself

Running Earn on Sera

Sera publishes an open source bot that does the quoting for you. It only ever posts, never takes the other side of a trade, and it signs a heartbeat every six minutes so the book knows your quotes are still live. The public dashboard is at earn.sera.cx.

01

Pick a pair you understand

Start with a corridor that already has flow both ways, not the most exotic one on the board. If you don't have a feel for how that currency moves in a normal week, you're not ready to quote it.

02

Size it at what you can afford to lose entirely

Not an amount you'd be upset to lose. An amount you could lose entirely and be fine. This is the rule that keeps people around after a bad month.

03

Install the bot and connect a wallet you control

The package is on npm as the Sera earn bot, and you can see what other makers are doing at earn.sera.cx. It is non custodial: it signs orders with your key and cannot move funds anywhere you have not authorised. Read the source before you run it, and do not run any trading software you have not read.

04

Set your spread and your maximum position

Tighter spread, more fills, less on each. Wider spread, more per fill, but it might sit untouched for days. The position cap is what stops a bad day turning into a disaster, so set it before you need it.

05

Watch it for a week before you scale it

Look at what actually filled, which way you ended up leaning, and whether the income covered the move against you. A week of small real numbers will teach you more than this page will.

06

Then teach one other person in your chapter

This is where it compounds. Five people in a chapter quoting the same local pair can move that currency from issued to trading. That shows up on the board and in the annual count.

We don't publish yield numbers here, on purpose. What you make depends on the pair, your spread, your sizing and the week you picked. Any number we printed would turn into a promise, and it's not one we can make. If you see a fixed percentage attached to this anywhere, treat it as a warning sign. That includes if it comes from us.
Chapters

Fifty-two countries, and the seat is won rather than given

A chapter is one country. Not a region. Nobody can lead Southeast Asia, but somebody can lead the Philippines. There's no application and no fee. The lead is whoever earned the most in the last thirty days.

How you join

You just pick one

Open your dashboard at community.sera.cx and declare your country. One per person, changeable. If you do not pick, one is inferred from where you log in.

How the lead is decided

Thirty-day experience

Nobody appoints it. The top experience holder over a trailing thirty days holds the seat and the Flag Bearer badge, with a grace window before it changes hands.

How it changes hands

Someone outworks you

Which is the point. A seat you can't lose is just a title. A seat that changes hands is a reason for the second most active person in the country to keep showing up.

During the Epoch

What a chapter edition has to include

Set low on purpose, so five people in a room can clear it. Specific on purpose, so nobody can take the name and run something we wouldn't stand behind.

Required

A named organiser

One real person who puts their name to it publicly, in advance.

Required

A public listing

Posted on this site before it happens, so anyone in that country can turn up.

Required

A report back

A short write-up afterwards: who came, what happened, what you would change.

Encouraged

One local voice

Somebody from the country who is not from the community. An issuer, a journalist, a shop owner.

Chapters operate under local law. Rules on stablecoins differ a lot by country and some are unsettled. If the standard name causes a problem where you are, change the local name. And never put someone in a position they didn't choose. If you're unsure about your jurisdiction, ask before you announce, not after.
The shape of a good one

Three formats that have worked

The ten-chair evening

A borrowed room, ninety minutes, the workshop agenda from the playbook. Cheapest to run, highest conversion, produces the next organiser in the room.

No budget

The online panel

Ninety minutes, three local voices, recorded and posted. Works where distance or law makes a physical gathering awkward, and it leaves an artefact behind.

No venue

The piggyback

Attach to a fintech or developer meetup that already exists in your city and take a thirty-minute slot. Fastest route to a room full of the right people.

No audience needed
The roll

All fifty-two, and where each one's currency stands

These are the countries the community already posts from. They're the remittance-heavy, FX-squeezed places where this actually bites. Click one to jump to its currency on the board.

Eighteen of these fifty-two countries have no stablecoin in their own currency at all. That is not a gap in the list. That is the list doing its job.
Who is building

A working directory of the people this depends on

Issuers, payment firms, wallets, exchanges and the rails under all of it. Being listed isn't an endorsement and nobody paid to be here. It's incomplete by definition. Corrections are the most useful thing you can send us.

October 2026

One week, and everything already happening inside it

The Epoch doesn't compete with the industry's calendar, it sits on top of it. Most of what's listed here is somebody else's event and we had nothing to do with organising it. That's what makes the week global in year one.

Dates and details need confirming. Third-party events are listed from public announcements and have not all been verified with the organisers. If you run one of these and something here is wrong, or you want to be removed, tell us and it changes the same day.
After the week

Chapter editions open once TOKEN2049 closes

National weeks run under the one name from the second week of October onward. India, Philippines, Malaysia, Japan, China and any other chapter that puts an organiser's name forward. If you want yours listed, that starts in the playbook.

The charter

What this is, who runs it, and what we're not allowed to do

A movement run by a company that competes with the people in it only works if the limits are written down where anyone can check them. These are the limits. If we break one, say so publicly. We'll either fix it or stop calling this convened.

Article one

What the Epoch is

A week every year, and a count published once a year. The week is whatever chapters and participants make of it. The count is the part that has to stay consistent, because a movement with no marker is just the same announcement over and over.

The founding edition runs 5 to 10 October 2026. It's the first one. We say that plainly, so a small turnout reads as a start rather than a flop.

Article two

What the convener may not do

Sera.cx calls the week and pays for it. That doesn't buy us anything beyond what's below. These are the commitments that make the rest of this site worth reading.

01

May not exclude a competitor

Any issuer, payments firm, wallet or exchange can take part. Including our direct competitors. Including ones who are rude about us. Taking part never depends on having a commercial relationship with us.

02

May not require use of its product

Nothing here requires you to open an account, hold a token, or route a payment through us. Every single thing in the playbook can be done without touching our product.

03

May not charge for participation

No fee at any level. No sponsorship needed to appear. No paid placement in the directory. Nobody on this site paid to be here and nobody can.

04

May not present its own numbers as the industry's

Numbers that come out of our own systems get labelled as ours, every time, in the same size type. If an outsider can reproduce a number from public chain data, we say so. If they can't, we say that too.

05

May not speak for a chapter or a participant

We don't make statements on anyone else's behalf, and we don't use a participant's name or logo in a way that suggests they're endorsing us rather than the week.

06

May not make the name conditional

A recognised chapter keeps the right to use the name for its edition no matter what it says about us, as long as it meets the standard in article three.

Article three

How a chapter is recognised

Low enough that five people in a borrowed room clear it. Specific enough that nobody can take the name for something we wouldn't stand behind.

A named organiser

One real person, named publicly, in advance.

A public listing

Posted here before it happens, so anyone local can attend.

A report back

A short write-up afterwards. Who came, what happened, what you would change.

Local law

Chapters operate under their own jurisdiction and may adapt the local name where the standard one creates a problem.

We can withdraw recognition for one reason only. An edition that misrepresents what a stablecoin is, promises returns, or puts people at legal risk they didn't sign up for. Not for criticising us.
Article four · the founding count

State of the Epoch, 2026

The baseline. Every future edition gets measured against this, which is exactly why we're publishing it while the numbers are still small and a bit embarrassing.

Measure2026Where it comes from
Currencies in circulation155ISO 4217, excluding fund, metal and special-purpose codes
Currencies with a stablecoin of any kind30September 2026 fact-check of public and issuer sources
Currencies with nothing at all125The remainder, and the actual size of the job
Largest non-dollar stablecoinA rouble tokenUnder US, UK and EU sanctions. Counted, not linked
Country chapters open52community.sera.cx, one per country, lead won on thirty-day activity
Live corridors on the convener's book3Convener's own figure. Reproducible from public contracts on chain
Tokens in the convener's registry40 across 22 currenciesConvener's own figure. Public endpoint, checkable by anyone
Read the last two rows differently from the first five. The first five are about the world and cite sources outside us. The last two are about our own book and say so. Rolling those into one headline number is the thing this charter exists to stop.
Article five

How to correct us

This site went up fast and parts of it are wrong. That's not an apology, it's just the working assumption.

A missing stablecoin

If your currency has a token the board doesn't show, that's the most useful thing you can send us. The count is the whole product.

A wrong entry

Issuers change hands, tokens wind down, domains move. Three of our rows were already out of date within a day of being written.

Remove us

If you're in the directory and would rather not be, tell us and you're off the same day. Being listed isn't an endorsement and it isn't compulsory.