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Chapter 4: The SurnBank – Architecture and Governance

Introduction: An Institution for Equity

The SurnBank is the institutional pivot of Surnumerism. Its mission is to redistribute the funds of the CapitalSurn and to support the worker who has become an employer, fostering entrepreneurial continuity through satellite projects.

Structure and Governance

  • National SurnBanks: Interconnected through a global network under ECOSOC.
  • Tripartite Council: 30% businesses, 30% unions, 40% governments.
  • Open-source AI: Matching projects with executives, real-time audits.

Operations

Allocation:
- 70%: Productive projects (e.g., solar farm in Morocco).
- 20%: Continuing education (e.g., coding for 100,000 youth).
- 10%: Fundamental research (e.g., generic vaccines).

Organization Chart and Administration

The SurnBank recruits executives like a multinational corporation.

Example: France (2035)

The French SurnBank redistributes 10 billion EUR, financing:
- Hydrogen startups (+50,000 jobs).
- Technical schools (SROI: 1.8).

Conclusion

The SurnBank embodies ethical governance, using the banking institution as a support to multiply labor and its subsidies, through entrepreneurial continuity of senior executives. The next chapter explores diversified financial contributions.