Programmable Money: Aligning Your Money with Your Values

Selin Sezer ()
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Selin Sezer: Fraunhofer FIT

A chapter in Tokenizing the Future, 2025, pp 189-199 from Springer

Abstract: Abstract Programmable money enables digital currency to carry embedded spending conditions, allowing transactions to reflect individual values such as sustainability, fairness, or personal goals. When combined with self-sovereign identity and verifiable credentials, it becomes possible to enforce spending rules—e.g., restricting funds to eco-certified products or tying disbursement to academic performance—while preserving user privacy and autonomy. This integration fosters intentional and prosocial financial behavior. Key challenges remain in standardization, privacy protection, and infrastructure development, but the approach offers a promising path toward more ethical and value-aligned financial systems.

Date: 2025
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DOI: 10.1007/978-3-031-91405-8_13

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