Term borgels⁴ are a financial instrument for short-term obligations within the Narmony System². They are created for transactions involving goods and services⁷ for a specified period and can be repaid with new term borgels⁴ if needed.
Term borgels⁴ allow for flexible financial management without creating debt pressure, ensuring system stability without a money shortage.

Perpetual borgels⁵ are a financial instrument that functions as money in the Narmony System² (a simulation of the Three-Dimensional Economy⁶). They have no repayment deadline and are used for free transactions and accumulation, just like conventional money.
The limits on creating perpetual borgels⁵ increase daily¹⁶, ensuring equal financial opportunities for all participants in the system.

The three-dimensional economy⁶ is the next stage in the evolution of economics, where there is no inflation, crises, or financial limitations. Unlike the flat (current) economy, which is based on the centralized creation of money, the three-dimensional economy⁶ ensures equal access to finance.
At its core are borgels³, which do not depreciate and are not limited by artificial scarcity. The limits on perpetual borgels⁵ increase daily¹⁶, providing financial freedom for all.

In the traditional economy, money depreciates due to rising prices and uncontrolled issuance. Borgels³ eliminate this process because their measurement units are stable and independent of banking or government decisions.
In the Narmony System², prices are expressed in familiar currencies¹⁴, while borgels³ are measured in fixed units¹⁵, such as gold. This separation prevents borgel³ inflation, preserving their purchasing power over time.

Financial crises in the traditional economy arise due to money shortages, debt bubbles, and market speculation. In the three-dimensional economy⁶, these problems are eliminated through the unlimited issuance of borgels³ without debt pressure.
The limits on perpetual borgels⁵ increase daily¹⁶, ensuring stable financial access for all participants. The economy is no longer dependent on speculative growth and artificial limitations.

In the traditional economy, money is limited by the volume of the money supply and access to credit. In the three-dimensional economy⁶, this barrier is removed: the limits on perpetual borgels⁵ grow daily¹⁶, ensuring equal financial opportunities for everyone.
Money is no longer a tool of control but a means for fulfilling needs. The only real limitations are physical resources and human capabilities, not the balance in an account.

In the Narmony System², "goods and services¹⁰" are handmade paper cards that simulate real goods and services. They allow economic processes to be modeled without financial or material risks.
The cards are exchanged for borgels³, mimicking real trade, making the simulation as close as possible to the three-dimensional economy⁶. The only question is when these paper cards will be "upgraded" to real goods and services.

If we talk about "paper cards" called "money," there are no restrictions on exchanging these cards for borgels³ in the game. Everything depends on the participants' choices, regardless of the "value" of these "cards" in the flat economy¹⁷.
Borgels³ are neither fiat money nor cryptocurrency—they represent a higher level: a truly free financial instrument of the economy of the future, starting with its simulation.

One of the main reasons is the separation of price measurement units and financial value (money).
In the traditional economy, money depreciates due to inflation caused by the abandonment of the gold standard, centralized issuance, debt, and speculation.
In the three-dimensional economy⁶, borgels³ retain their value because prices are measured in flexible currencies, while financial value (money) is measured in gold, a reliable and time-tested unit of value.

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Price¹⁴ measurement units are conditional values used to express the cost of goods and services. They can be anything: familiar fiat currencies, digital tokens, or other settlement units. Their flexibility allows pricing to adapt to market conditions.

Value measurement borgels¹⁵ are stable, unchanging values that define the equivalent of debt obligations and financial assets. In the Narmony System², gold is currently used as the primary measurement unit—a reliable standard proven over time. However, the system remains flexible and may adopt other equivalents in the future.

The time restriction is necessary for a smooth transition from a limited to an unlimited economic system, preventing overload on flat economic thinking²⁰.
In the three-dimensional economy⁶, the limits on creating perpetual borgels⁵ grow daily and evenly for everyone by a sufficient minimum¹⁹, without being tied to income, banks, or loans.

The flat economy¹⁷ is the current global financial system, where money is created centrally, and access to it is restricted by banks, loans, and income.
Why is it called flat? Because it is more complex than the linear economy¹⁸ yet simpler than the three-dimensional economy⁶, based on an economic classification derived from a geometric concept.

The linear economy¹⁸ is an outdated system based on money made from precious metals such as silver and gold, but it became obsolete due to the scarcity of these metals.
In the linear economy¹⁸, money represents a fixed material value, and its quantity is strictly limited by the physical supply of resources.

The sufficient minimum¹⁹ is the guaranteed level of growth for perpetual borgel⁵ limits, which increases daily and evenly for everyone.
This limit ensures the coverage of basic needs, eliminating financial shortages, and creates conditions for a smooth transition to full financial freedom.
The three-dimensional economy⁶ is inherently unlimited, but at the initial stage, its limits are still time-restricted.