UNIVERSAL CASH ELECTRONIC MONEY Consumoney Wednesday, 13th May 2026

This is dedicated to the KING of Kings and the LORD of Lords. 

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Written and conceptualised by Abiodun Mohammed Adeyemi Ajijola 

RECOMMENDATION

UNIVERSAL CASH ELECTRONIC MONEY

Consumoney 

Wednesday, 13th May 2026 

The purpose of this recommendation is to recommend a technological solution that can revolutionise the way economic transactions are carried out and effected by people all over the Universe.

It is inline with my intention to show that it is feasible through innovation, creativity and effective implementation that new industries, products and or services can be developed to provide long term economic opportunities and prosperity while escaping conflict. 

This specific recommendation is intended for the Continent of Europe, but its implementation should be effected by the European Council for as many European nations as are interested in this product. Certainly this is a universal product that can be legally offered in markets across the Universe. 

It is recommended that the company that warehouses and manufactures this product should be headquartered in one of the member nations of the European Council on the Continent of Europe.

This recommendation recommends the United States Dollar and the European Euro as the currencies for effecting this recommendation.

This recommendation would have been preferred by me who write this physically to be posted on Europe Day 2026. However, it is posted on 13th May 2026.

The broad concept is to provide an economic transaction device that allows flexible and secured transactions as well as practical savings capabilities and also acts as a means of cash. This, in my opinion, in an uncertain world would be of tremendous value to customers. What it means is that if people cannot get to banks for some reason, they can keep transacting electronically and with cash without any challenge. The liquidity challenge of some banks would clearly become a thing of the past with good economic management as well. 

The first aspect is for flexible transactions. This is a physical device and is perhaps a few inches by a few inches in size and about an inch thick. This could be less or more depending on whether it is a foldable version or not. 

This electronic device makes it feasible to make electronic transactions that most people are already able to make on their mobile phones. This is a function that many people perform on their mobile phones. Therefore, why purchase a separate device? The reason is that there are more functions which this product has which regular mobile phones cannot do. 

The second aspect of this product is that it is a saving device. Many people have savings accounts and some have saving devices in their homes and or offices like a 'piggy bank'. This enables people to save money and access their savings when they desire. However, this electronic product enables the users of the device to leverage the device to perform both functions. That is to save money and also access their savings. For instance, if a person has 18, 000 Euros in the bank but wants access to 3,000 Euros over a 3-month period as cash without going to the bank or ATM multiple times to access this cash, then the person would have to withdraw the 3, 000 Euros as cash and keep it somewhere secured in the home and then spend gradually from that as required over the 3-month period for instance. The person would have 15,000 Euros in the bank and 3,000 Euros cash as required. The challenge with this is that not everyone would like to keep so much cash in the home. Therefore, this device is able to separate money for cash usage from that which is intended for electronic purposes in the same bank account. However, what this achieves is the capability for the device to enable electronic transactions such as cash spending using the same device without actually having to withdraw physical cash.

The third aspect is cash spending using this device. This device is able to fit no less than 10 ultra-thin electronic and or digital coins inside it, kind of like a plastic container vending out sweets one by one. Each of these coins has electronic components which means they can have a value inputted into them. The value that these electronic coins can have would be put in by the owner of the electronic device by programming the value into a specific coin. This could be 500 Euros, for instance. Perhaps the owner of the device wants to get some things purchased and doesn't have the time to do that. The owner of the device may have some person who can do that. The owner of the device programmes 500 Euros into the electronic coin, takes a passport picture or complete picture of the person the coin would be given to and depending on the transaction, or the person, the owner of the device, may require the person's fingerprint as well. Therefore, the person has a coin that is ultrathin with a 500 Euro value and is able to go and purchase what has been requested by the owner of the device. When a person walks into a large supermarket, for instance and makes diverse purchases for the owner of the device, the person presents the cashier with a 500 Euro programmed electronic coin. The payment is made and the person leaves. There can be two options if there is change. The first option is that the coin can be put in a special machine not too large and perhaps easily fit on a horizontal and or vertical surface near the cash register, which extracts the payment value and leaves the change in the coin while syncing with the cash register as well for total value of purchases. This new value in the coin is available for the person to make other purchases in other stores and or locations based on the desires of the owner of the device who provided the coin. The second option is that the coin is received by the cashier and the change is given as cash to the person as well as a receipt and the person is able to spend the cash in another location or store. In this manner, the person has been given a form of cash by the owner of the device which enables the person to make those purchases from different shops. It is my opinion that the company which implements this should develop a legal distribution strategy to enable the purchase of blank coins which can be programmed in addition to purchasing blank coins from banks. The other very important aspect of this is that every time value is deducted from the coin it shows on the electronic device of the owner of this product. This means that the owner of the device has a record of the transactions made with that coin that is the purchases. 

If an electronic coin is used to make a payment to a person the person can fix the electronic coin in a device owned by that person who is being paid to transfer the value of the coin to the persons device. This is just an option. 

It is my opinion that if the electronic coin is used to completely make a transaction or transactions to a point of no value, the supermarket, for instance, keeps the coin, and it is immediately deactivated and of no more value. The person can also take the empty electronic coin back to the owner of the device, even though the coin is deactivated. For instance, if a person is given an electronic coin to purchase something after travelling to another location and couriers back to the owner of the device, sending back the electronic coin may not be feasible. In this manner, the supermarket keeps the electronic coins which are coalesced into batches of ten, for instance and can be purchased by any willing customer who will transact with their own devices. In my opinion, these aspects need to be as broad and flexible as feasible to ensure that people can opt for the choices that best suit them at any time. A person may use an electronic coin to make a purchase and keep it at the supermarket since the value is exhausted, or the person may keep the coin and return it to the owner if not the person's own coin. This is customised money.

The owner of the device does not need to use the electronic coins as the device can be presented at supermarkets, hotels, airports and other locations and be operated like swiping a credit card. However, if the owner of the device does not want to take the electronic device out, even though it is very convenient to carry it, the owner can programme an amount desired go out for a pleasant day and just transact from a single electronic coin. This will be amazing for tourists who should not be afraid of getting their money stolen in unfamiliar locations. 

This device helps with saving because it really isn't cash, though it can function like cash and, therefore, helps to encourage savings while not keeping it all in a bank account even though the money is in electronic form. If friends or family members want to help each other save for those who have difficulty doing that, then if two friends have their own devices, each can programme a certain amount of money on two electronic coins and then one friend gives an electronic coin to the other while the other friend receives an electronic coin from the other. Because it is to help save, the electronic coin with the person cannot be accessed unless the other friend activates it. Therefore, the money is available to the person but is saved such that the person can not spend it unless the friend activates it. This is for high trust friendships. For low-trust friendships or acquaintances, the electronic coin exchange between two friends could have a due date, meaning that at maturity of the time, the electronic coin will become activated, and the value becomes available to the person given the coin. This is the same for other friends or acquaintances. Only the owner of the device through the coin on which the value was activated by the device is able to activate sooner than the due date, which means the other friend will wait until the due date unless the other friend activates sooner. Certainly the friend makes the due date clear, so it is the date the friend wants and for the other friend the same is done as well. 

This is superb for children who are given lunch money by parents who don't want the hassle of giving money every day and don't want the money spent at once. This is also good for children in boarding schools and students at university. A parent can programme a lunch or meal coin for the child which provides a maximum of 30 Euros for instance can be spent on feeding each day and perhaps 35 Euros on the weekend days. This is programmed and the child, who may be a teenager or young adult, can be sure that food each day won't be a challenge. The parents can also be sure of this. The parent can give the child another electronic coin, perhaps 300 Euros, for other expenses that may come up during the month. Not every child needs this, but at some stage, depending on the child, this may really be helpful and also ensure no friction or quarrels over money amongst parents and children. As can be imagined, this could be leveraged in different situations, including an office situation and others. 

This could also work very well in a mass transit system where a person calculates how much is required for the month and transfers that to one of the coins which the person uses strictly for paying for bus, train, boat, cab and other types of legal rides. This helps a person better manage finances, such that a person can take 5 coins, for instance, and apportion an amount to each and that covers for the whole month. The person can, in the situation of daily expenses like transport expenses, put daily maximum limits so that the electronic coin is not exhausted or maxed out prior to the end of the month. This helps every person that owns this device become better at their personal finance planning. The coins can be the same colour with different numbers, which makes them easily identifiable, or some may be in different colours if the owner of the device chooses to purchase such for easy classification. Giving someone your credit card and pin to help make a transaction is not necessary. Does this endanger credit card companies? Certainly not! The person could still have a credit card or be issued an electronic coin form of a credit card which fits into this device, meaning the credit card industry will do better with this device and not worse. For instance if a person needs to put some money in some electronic coins but doesn't have any or enough money in a savings account the person could fund some electronic coins with a credit card electronic coin and then leverage the electronic coins when necessary or give them to those who may make some expenses like for running errands or for children's school feeding. 

The fourth aspect is the security of the device. This device is highly secure, and this recommendation makes a basic recommendation of some security features. The device should have three levels of authentication access, which are fingerprints, time identification and Finger Palm Identification System. The owner of the device can activate whatever level of access and security that is convenient per time. However, in the complete three-level form, it would make the device very secure, in my opinion. The Finger Palm Identification System can have a separate foldable material which expands to fit a hand and is connected to the device for palm reading. However, the device itself can scan the entire palm till complete, as does the fingerprint scanner bit by bit. This may be better if the owner of the device is on the move, while the foldable material could be leveraged at home or in the office or in a hotel room, for instance. 

As mentioned earlier, the coins are electronic and are metal or appear as metal and are secured as well, because only the person whose image and fingerprints are programmed on the coin by the owner can use the coin to spend. Taking the coin from the owner of the device or the person sent on errands has no benefit for the thief. The owner can deactivate a coin if the person loses it and calls the owner of the device. 

In some models, it may be feasible to have a tracking device on the coin, but this may violate the privacy of the person given the electronic coin, so this has to be with the strict consent of the person receiving the coin. However, the electronic devices will have trackers like but not precisely the same as in  mobile phones so that they can be tracked if ever the owner requires that to be done. 

This recommendation is for the Continent of Europe and the implementation is to be effected by the European Council with headquarters in Brussels in Belgium on the Continent of Europe. 

Me who write this physically may make this recommendation to another nation or nations at some point. 

It is my sincere hope that Consumoney will become the preferred form of economic transactions in the Universe. It is my strong opinion that this product will save locations which may have financial liquidity challenges. 

The name 'Consumoney' is derived from the Latin words Consumatus, meaning tailored or completed and Consummare, meaning to sum up, complete, or finish and money, literally meaning 'tailored or customized money'. 

These names of the product and the name of the recommendation are not compulsory.