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Financial

For stable value
and natural
growth, click
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For more about a good stewardship of all life, click here

Ecological

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stewardship of
all life, click
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Emotional

For connecting,
trust and joy,
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Social

For innovation
and compassion,
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  • A cooperative fairtrade pro-life bank in formation
    B of Joy is a citizens’ initiative by professionals. We will
    introduce the fixed-value currency ‘URA’. As soon as we
    have more than 10,000 members, we will apply for a
    banking license. We don’t use interest, and for this
    reason, we are the first sustainable financial initiative in
    Europe. Interest is like a parasite: it causes shortages and
    crises just like the current global crisis. Instead of interest,
    we offer Financial, Ecological, Emotional and Social returns
    (F.E.E.S.), on the basis of natural growth. We invest in local
    economies and sustainable projects for a healthy and just
    society: a bank of, for and by the people, in which we will
    manage our money ourselves. For 25 euros you can join.
    For 100 euros you can become part-owner.
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News

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B of Joy news,
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Lectures

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the B of Joy
lectures

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Interviews

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the B of Joy
interviews

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Team members

Click the
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introduction
of our Team