Origin of Sanstel: A Global Credit System Born from Respect for Every Individual

“I will surely bless you and make your descendants as numerous as the stars in the sky and as the sand on the seashore.”

This was the original source of inspiration for the Sanstel System. Two students at Bethford College, Samo and Stanby, proposed what initially seemed like an imaginative fantasy: that every human life has innate value, and this value should be reflected through a fair and transparent credit system.

Today, the Sanstel System has evolved into a functioning global credit structure, transcending the traditional concept of currency. It serves as a universal metric of trustworthiness for individuals, corporations, and governments alike. And it all began as an idealistic class project by two unknown undergraduates.

In the autumn of A.G. 2019, Samo and Stanby presented their idea in a sociology seminar. Their concept: “Every person, upon turning sixteen, receives a baseline credit value. That value fluctuates according to their interactions with society. Resources are distributed based on this credit, rather than conventional currency.”

“At first, they were just trying to finish an assignment. But in class, their proposal stirred something—some were excited, others concerned,”

Turning that idea into reality was no easy task. The logic behind the Sanstel System clashed fundamentally with the foundation of monetary economics. Traditional currencies are backed by sovereign credit, enforced by law and authority, and derive value from material scarcity and market exchange. Sanstel, on the other hand, aimed to measure the value of an individual through their contribution and responsibility to society.

The assignment was submitted two weeks later, and Dr. Kane gave it a C+, noting: “Interesting concept, but hollow and unfeasible.”

But Samo and Stanby did not stop. They formed the first Sanstel Pilot Group, gathering 100 fellow students interested in the experiment. Each participant contributed 1,000 Boken (BKN)* to receive an initial 1,000 Sunders (SDR)*—the credit unit within the system. The 100,000 Boken reserve was used for early operational costs and services.

This was never a currency exchange system, but a behavioral valuation system. A member’s credit level represented their ability and social reliability. Credit could be earned through time, service, and participation in governance—and would be consumed to access the contributions of others. A complex rule-based engine, coded into the system, calculated credit gains and losses. Eventually, each person’s credit would reach a dynamic equilibrium reflective of their sustained social participation.

To make this system function, Stanby developed a smart-terminal-based digital platform called the Sanstel System. It featured modules for credit balance, transaction history, rating algorithms, and annual evaluation. Members could check their live credit levels and exchange services or resources—without money.

“At first it felt like a game. But soon we realized—it was changing how we thought and acted,”

As the system matured, participants used Sanstel in everyday campus life: from shared kitchens and housing to class notes and mental health support. It grew into a micro-society where behavior was measured in credit, not money.

Then came an unexpected shift: the purchasing power of Sunders began to rise. Initially, the rate was 1 Boken to 1 Sunder. But as the internal supply and demand for services diversified, the system drifted away from conventional economic models.

More profound was the system’s ethical logic. Credit could not be hoarded indefinitely. Each member had a cap of 1,999 Sunders. Once reached, credit stopped accumulating for the rest of the Sanstel Year. Members were required to expend excess Sunders, thus preventing wealth concentration and giving others room to earn. The system encouraged continuous participation and discouraged stagnation.

This elegance was thanks to Stanby, the technical architect behind Sanstel. As the user base grew, every new rule affected thousands—later millions—of people. He bore the weight of building a world in code.

“He was a selfless guardian of the system. I remember during the first annual credit summit, about 10% of users were upgraded beyond the 1,999 cap. Stanby had written fair rules for everything—except one: system maintenance. It was his job, but he didn’t assign it any value. His credit score remained at 1787. That didn’t sit right with us. Thankfully, Samo had a brilliant idea.”

Samo proposed the “Rule of 1787”: members like Stanby who undertook core infrastructure responsibilities would be designated Stelwards, a special credit rank that would freeze their Sunders at a fixed value—permanently. This status, symbolic and irreversible, honored those tasked with keeping Sanstel reliable, neutral, and fair. Stanby became the first Stelward, his SDR permanently marked at 1787.

By the second year, other universities beyond Bethford began piloting the system. First among the Oak League*, then across the United Pact of Bolein (UPB). With the help of student networks and youth organizations, Sanstel spread quickly and became a badge of elite identity among young adults.

Soon, investors took notice. But the team quickly realized most financiers saw only profit potential—not the ethical core of the system. That changed when Mike Don, founder of the Keystone Group, visited them in person.

“I sensed early on that things were about to spiral beyond our control. I told the team—we needed a real steward. Our sandbox was over.

In June A.G. 2022, the original team officially transferred ownership of Sanstel to the Keystone Group. What began as a humble class project had become the foundation of the world’s new credit economy.

* Boken (BKN) is the sovereign currency issued by the United Pact of Bolein (UPB).

* Sunders (SDR) are behavior-based credit units adopted globally for cross-border evaluation and exchange.

* The Oak League refers to seven top-tier private universities in Bolein, renowned globally for their academic excellence, prestige, elite education, and influential alumni networks.