BUSINESS CONCEPT #303 - BANKING ALTERNATIVE & ENERGY-BACKED CURRENCY
Executive Summary
Te Au Rawa Mutual is a member-owned, negentropic financial institution that repatriates Northland’s wealth to fund local regenerative infrastructure. It utilises the “Ngaohu”, an energy-backed currency pegged to geothermal enthalpy, to ensure financial sovereignty and regional resilience.
The Problem & Solution
The Problem: Northland suffers from "Capital Flight," with approximately $3.8 billion in KiwiSaver funds invested offshore by Australian and Auckland managers, providing zero benefit to the local housing or job markets.
The Solution: Te Au Rawa Mutual creates a "Circular Financial Ecosystem" by keeping deposits and interest within the region, utilising the Ngaohu currency to bypass debt-based fiat inflation and anchor value in the Ngāwhā geothermal field.
Target Market
Northland KiwiSaver Members: Specifically the 112,000+ active members looking for local impact and ethical investment.
Māori Land Trusts & SMEs: Organisations currently facing a "Trust Gap" and lending barriers with mainstream Newtonian banks.
Regenerative Developers: Entities focused on solar, housing, and high-value horticulture in Te Tai Tokerau.
Unique Value Proposition (UVP)
Unlike "Babylonian" banks that maximise entropy through extraction, Te Au Rawa Mutual uses the Mauri Model as its algorithm of value, ensuring every loan strengthens the life force of the community and environment.
Revenue Model
Membership & Deposits: Aggregating Iwi capital and individual savings to meet the $5 million Deposit Takers Act threshold.
Impact Lending: Providing loans for papakāinga and renewable energy projects with interest recycled back to members.
Transaction Fees: Small, transparent fees on the Ngaohu/Kora digital currency layers to power the Mutual's operations.
Marketing & Channels
Quantum Whakapapa Institute: Utilising the "Cosmic Connector" digital curriculum to educate whānau on the "Entropy of Extraction" vs. "Zion Abundance"
Iwi/Marae Partnerships: Leveraging existing networks and Whakapapa Savings Pools to build grassroots trust.
30-60-90 Day Milestones
30 Days: Establish the Te Au Rawa Co-operative Society and finalise the feasibility coalition with Tupu Tonu and Ngāwhā Park.
60 Days: Launch the digital education series "Babylon to Zion" to mobilise the first 1,000 potential members.
90 Days: Formalise the Ngaohu token beta-test parameters within the Ngāwhā Innovation Park ecosystem.
Mauri Model Assessment
Te Taiao (Environmental) | Mauri Ora (+2): By pegging the currency to renewable geothermal energy and funding agrivoltaics, we entangle financial capital with natural capital restoration.
Te Ahurea (Cultural) | Mauri Ora (+2): Using "Whakapapa Verification" for identity and ensuring the institution’s name and structure protect the mana of our ancestors rather than commodifying them.
Te Tangata (Social) | Mauri Piki (+1): Corrects the "Newtonian Error" of individualised credit by tailoring products for collective titles and papakāinga housing.
Te Pūtea (Economic) | Mauri Ora (+2): Reverses the "Leaky Bucket" by keeping interest and transaction data within the rohe, increasing the velocity of Mauri.
If you’re interested in the details please hit me up via the Contact Us form or via our socials (links are at the bottom of webpage).
