Current banking system
The current banking, financial and monetary systems have developed in such a way that they can no longer be sustained. An ever increasing pile of debt has become the foundation and downfall of our economic development and daily existence. To be able to ever repay these debts, the only possibility that politicians dare to consider is to arrange for yet more loans to pay the ever increasing mountain of interests.
This system got out of control and only benefits a minor percentage of mankind, while putting huge amounts of stress on billions of poorer people, future generations and exhausting the earth’s resources and the environment.
Due to its intrinsic flaws, the current banking system is not able to solve this problem effectively. Our community needs an alternative banking system.
We invite the existing banking branch the possibility, if they so wish, to join in and gradually change their own banking systems for the better. Bank of Joy is a global local bank in final development and founded by the people of De Blije Bank.

In our point of view, the basis for creation of money should be:
• The right to live (article 3)
• The right to work (article 23)
The right to live includes:
• The right for food, clothing, shelter, healthcare (article 25)
• The right for education (article 26)
• The right for social security when needed (article 22)




