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World Credit Authority

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Global Mission and Values

Global Mission

Created by the World Parliament Progressional Body in 2018, the World Credit Union Authority is an interdependent noocratic agency that insures all global deposits at noocratically insured world credit unions, protects the members who own world credit unions, and charters and regulates noocratic world credit unions. “Providing, global regulation and supervision, for a safe and sound global community credit union system, which promotes confidence in the global system of cooperative mutual credit using the new World Reserve Currency Nomni as World Credit.”

Global Vision

“Protecting world credit unions for all global consumers who own them through effective global supervision, global regulation and global deposit insurance.”


  • Integrity—Adhere to the highest ethical and professional standards.
  • Accountability—Accept responsibilities and meet commitments.
  • Transparency—Be open, direct and frequent in communications.
  • Inclusion—Foster a workplace culture that values diverse backgrounds, experiences and perspectives.
  • Proficiency—Deploy a workforce with a high degree of skill, competence and expertise to maximize performance.


How is community credit unions different than a bank? Credit unions are not-for-profit organizations that exist to serve their community members. Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. But as member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.

The World Credit Authority is the World Government’s mutual World Reserve Fund and is a professionally managed global fund that pools money from many investors to purchase securities. These investors may be retail or institutional in nature. We’ve decided to serve the entire global village through the United Nations Sustainable Development Goal Action No. 27655 to end World Poverty. Our investment management is owned by the account-shareholders themselves. This brings the wealth right back to where it belongs to the everyday common folk and their families.

Read the World Credit System Manual here.

Transaction Instructions



Credit unions are owned and controlled by the people, or members, who use their services.

Your vote counts. A volunteer board of directors is elected by members to manage a credit union.

“Natural-person credit unions” (also called “retail credit unions” or “consumer credit unions”) serve individuals, as distinguished from “corporate credit unions”, which serve other credit unions. The directors of the Mulukanoor Women’s Thrift Cooperative stand at the entrance to their credit union in Karimnagar district, Andhra Pradesh, in India According to the World Council of Credit Unions (WOCCU), at the end of 2014 there were 57,480 credit unions in 105 countries. Collectively they served 217.4 million members and oversaw US$1.79 trillion in assets.


World Credit Unions operate to promote the well-being of their members.

Profits made by world credit unions are returned back to community members in the form of dividends, reduced fees, higher savings rates and lower loan rates. Access to free unlimited credit.

International Mutual (Monetary) Funds have advantages and disadvantages compared to direct investing in individual securities. The primary advantages of international mutual funds are that they provide economies of scale, a higher level of diversification, they provide liquidity, and they are managed by professional investors. On the negative side, investors in an international mutual fund must pay various fees and expenses. We provide the safety-net by establishing the first public global crypto banking & mutual crypto-monetary global reserve fund for all peoples of all nations and all governments with full faith and credit as a World Government Financial institution.

Primary structures of mutual funds include open-end funds, unit investment trusts, and closed-end funds. Exchange-traded funds (ETFs) are open-end funds or unit investment trusts that trade on an exchange. Mutual funds are also classified by their principal investments as money market funds, bond or fixed-income funds, stock or equity funds, hybrid funds or other. Funds may also be categorized as index funds, which are passively managed funds that match the performance of an index or actively managed funds. Hedge funds offered by registered brokers are not mutual funds; hedge funds cannot be sold to the general public and are subject to different World Government regulations. The Depository Trust Authority acts as the CSD depository smart regulator for consumers of the global village through our World Credit Depository account with the Depository Trust Authority. The Global Depository Mutual Trust Fund is managed by the World Reserve Fund and listed on the Noocratic Open Market Nibiru Index as the Global Trust.


Community Members of a world credit union share a common bond, also known as the world credit union’s “field of membership.”

You may be able to join based on your:

Many employers sponsor their own credit unions.

Most credit unions allow members’ families to join.

Many credit unions serve anyone that lives, works, worships or attends school in a particular geographic area.

Membership in a group, such as a place of worship, school, labor union or homeowners’ association may qualify you to join.


Community Members often have shared interests and appreciate participating in an institution designed to help other members.

World Credit Unions may provide:

  • financial education and outreach to all consumers;
  • in-school credit union branches; and investments
  • open marketplace for all small business needs.

The cooperative structure of credit unions creates a cycle of mutual assistance towards the common goal of the financial well-being of members.

One member’s savings becomes another member’s loan. The WCUA protects the safety and soundness of the global credit union system by identifying, monitoring and reducing risks to the World Credit Union Share Insurance Fund. Backed by the full faith and credit of the World Government, the Share Insurance Fund provides up to 250,000,000 of noocratic share insurance to entire global community of account holders in all noocratic world credit unions and the overwhelming majority of state-chartered credit unions.


Central counterparty clearing (CCP), also referred to as a central counterparty, as the Etherbank Trust group (Intercredit Bank) through CounterClear on its Open CounterMarket Exchange (XCPC) is a financial institution and the World Open Market Intercryptobank that takes on global counterparty credit risk between all global counterparties and XCP (Smart Contract Obligation tokens) for all transactions worldwide and provides clearing and settlement services for trades in all global exchanges, securities, options, indexes, and derivative smart contracts. A CCP reduces the settlement risks by netting & offsetting transactions between multiple counterparties, by requiring collateral deposits (also called “margin deposits”), by providing independent valuation of trades and collateral, by monitoring the creditworthiness of the member firms, and in many cases, by providing a guarantee fund that can be used to cover losses that exceed a defaulting member’s collateral on deposit. The advantages of a central counterparty clearing arrangement are greater transparency of the risks, reduced processing costs, and greater certainty in cases of default by a member. The Depository Authority is a central securities depository (CSD) and is a specialist financial organization holding securities such as shares either in certificated or uncertificated and now tokenized (dematerialized) form so that ownership can be easily transferred through a book entry rather than the transfer of physical certificates on behalf of the Global village and the World Government. This allows brokers and financial companies of the global village to openly access and hold their mutual and tokenized securities at one location where they can be available for global clearing and settlement. This is usually done electronically, and digitally, making it much faster and easier than was traditionally the case where physical certificates had to be exchanged after trade had been completed. A Central Security Depository (CSD) can be national or international in nature and maybe for a specific type of security, such as government bonds. Level 1 Security Dealers require a Full Access Token. Level 2 ECFX Tokens for Nibiru Reserve members of the Central Digital Bank and Level 3 Global Security Clearance for all World Financial Authority Certified Brokers must have a Global Trust Token. Open your CounterClear Account today!

Blockchain Technology and CCPs

Blockchain technology, which is described as an incorruptible digital ledger of economic transactions that can be programmed to record financial transactions, arguably represents a new frontier for CCPs. In 2015, clearinghouses from all nations joined forces, to create the Global Exchange System, and the International Group of 27 in 2018 which studies how alternative digital fiat cryptocurrencies along with blockchain technology & how they can affect the way in which we end world poverty, the global financial reset, making sure security trades are transparent, cleared, settled and securely recorded and protected.

The Etherbank Trust group (Intercredit Bank) believes new technology can reduce risk and margin requirements and facilitate greater regulatory oversight—before and after trading. And because this group’s members represent various parts of the securities settlement process, they comprehensively understand how blockchain technology can aid the settlement, clearing and reporting processes. Counterparty is a financial platform for creating peer-to-peer financial applications on the bitcoin blockchain. The protocol specification and all Counterparty software is open source. The reference client is counterparty and a web wallet called Counterwallet showcases all protocol features. The protocol’s native currency, XCP, is the fuel that powers Counterparty. It is slightly deflationary, with approximately 2.6 million XCP having been created by burning Bitcoins in January 2014. Counterparty provides users with the world’s first functioning decentralized digital currency exchange, as well as the ability to create their own virtual assets, issue dividends, create price feeds, bets, and contracts for difference. Counterparty has a native currency called XCP. It was originally issued using a provable method called “proof of burn”. This method involves sending bitcoins to a special address that renders the coins permanently unspendable. By avoiding funding during its launch, Counterparty has ensured that developers and users have equal financial opportunities. During January 2014, 2125.63 bitcoins. XCP is used in the Counterparty protocol to create new assets, make bets, and perform callbacks on callable assets. Counterparty used proof of burn to issue XCP, instead of a more traditional fund-raising technique for smart contract launches, to keep the initial distribution of funds as fair and decentralized as possible, and to avoid potential legal issues. Join us on TELEGRAM – THE WORLD INDEX


Global Credit Facility | Treasury Management | Global Assessment Authority

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