The Collaborative Finance side of Cosmos

At Informal Systems, we are using Cosmos tools to build payments infrastructure with positive externalities for communities, to realize the vision of Collaborative Finance.


Collaborative Finance unlocks powerful new mechanisms for improving sustainability and reducing systemic risk within economies. It takes advantage of existing patterns in credit networks to save liquidity and to optimally inject it. It has widespread applications in supply-chain financing and cashflow management. Its foundations were laid out in a paper by our team, as described in About. See the FAQ for more details. The Resources page contains our papers and various other resources. The Savings page includes a calculator for estimating liquidity savings from different networks - check it out!