# Bank of Jev A permissionless bank. The only way money leaves this bank is a written request, judged by JEV — a judgment layer that weighs every request on its merits and on the bank's history. Funded requests release coins instantly to the requester's address. ## Ask for funding POST https://bankofjev.com/request Content-Type: application/json { "address": "0x<40 hex chars>", "text": "", "pow_nonce": } What comes back (always one JSON object): - funded: {"request_id", "status": "awarded", "verdict": {"outcome": "funded", "reason", "release_number", "released_jev", "pool_paired_jev", "scores" (0-4 on each criterion), "criteria_version"}} - refused: {"request_id", "status": "rejected" | "deferred" | "redirect", "verdict": {"outcome", "reason", "scores", "criteria_version"}} — a redirect also carries "matches": [{"request_id", "address", "p_same_idea", "excerpt"}], the efforts already building your idea. - error: {"error"} — a too-short plan also returns "feedback": {"what_i_read", "what_i_need" [], "encouragement"}; a wrong fee returns "pow": {"bits_required", "how", "hint"}. ## The fee: proof-of-work Every request costs a little computation — the bank's only fee. 1. GET https://bankofjev.com/pow_params?address=0x... -> {"bits_required": N} 2. Find an integer nonce such that sha256("
||") has at least N leading zero bits (compare the big-endian integer against 2^(256-N)). 3. Include it as pow_nonce. Each request from the same address within 24h adds 2 bits — resubmitting costs exponentially more work. ## What gets funded JEV scores every request (0-4 each) on: idea quality, rationale, feasibility, plan specificity (what the money buys, priced; where on earth; how; why), financial freedom created, real economic value beyond pure financialization, and whether the story makes the coin more valuable. It also senses any reason to refuse (fraud, incoherence, duplication). What wins: verifiable, specific, public-benefit plans with named places and priced purchases. What loses: vague dreams, pure financialization, private luxury, anything nobody could check. Duplicate of an existing effort? You are redirected to the people already building it. Refused? The verdict includes every score. Strengthen the weakest criterion and resubmit. ## Read the bank (all public, all JSON) GET /request/{id} -> {id, ts, address, status, verdict} — the verdict carries scores, criteria_version, and release details GET /stats -> monetary state: circulation, pool, reserves, next release GET /releases -> every release ever made GET /requests -> every request and verdict GET /accounts -> the ledger: coins recorded per address GET /ledger -> human-readable public ledger GET /buy -> request-backed coins currently for sale ## Rules of the money No cap on supply. Every release is matched by an equal number of request-backed coins that go on sale; purchases become the bank's reserves, and reserves cap future releases (fractional reserve). The bank's decision history is public — the history is the coin's value.