Goan businesses decide together how to spend a common fund
A ₹5 lakh fund for what they buy and run together: a shared scooter, a trainer, one licence for several shops.
Enter the CommonsIn India, small groups already do the hard part. A self-help group, a dairy cooperative, a festival committee: everyone puts in a little, everyone decides, and the accounts hang on the wall. We are joining those groups up, so that a village, a taluka and a state can share one map and one kitty, and nobody loses their say.
The village. The women's self-help group. The dairy cooperative. The temple and festival committees. The resident welfare association. The chit fund. Long before any app, people here built groups that take a little from everyone, decide together, and get what no one household could get alone.
The money in a self-help group is its members' own savings. The cooperative's plant was paid for with its members' milk. The money and the decision sit in the same room, so nothing waits on a signature from far away.
Kerala's Kudumbashree federates neighbourhood groups into area and community societies that run on their own funds.Who paid, who was paid, and what for, read out at the meeting. Trust here is not a feeling. It is what you get when a small group can check every line.
A village festival committee publishes its accounts on the wall. Nobody asks it to.The people who will live with a decision are the ones who make it. They know what a borewell or a drain costs here, not in the capital. That is why the gram sabha is written into the Constitution.
About a hundred million women in India belong to a self-help group. Most meet weekly.The limit is size. One group cannot dig the well alone, and the government schemes meant to help it rarely reach it on time. Make the group bigger and you get a ministry: more money, less sight, and the decision far from the people it is for. Can we join small groups together without turning them into a ministry?
We call that a cybernetic society. The word is simpler than it sounds. Cybernetic means steered by feedback, the way you steer a bicycle: look, lean, correct, look again. Here it means people say what they need, a map of the place shows what is possible, the decision is made in the open, the money moves, and everyone can check the result before the next round.
₹5 lakh in a kitty, for things the shops of one lane can use together: a trainer who visits every shop, one person who handles all their licences, one bulk order of bags and boxes. Think of a village well. No one shop can dig it; every shop drinks from it. The shops vote, and the kitty pays the person who digs.
Figures as of 3 November 2026. The live board has today's.
Two heavy words for a simple thing. A digital twin is a model of a real place, kept up to date, that you can ask questions of before you spend. Think of the sand model an engineer builds of a dam before building the dam, except this one is alive and answers back.
Goa's twin holds every one of its 203 villages and towns, with the Census figures and a verdict on each of 770 state schemes: who is eligible now, who could be. The AI reads what the shops say they need. Where two needs rhyme, it writes a draft, prices it for Goa, and names the scheme that could carry part of it. It never decides. People do.
People decide. The map shows. The machine drafts. The kitty pays. Everyone checks. The step with the gold ring is where Goa is today.
Each member signs up once and says, in their own words, what they would share or buy with the others.
The digital twin shows what is here already, what each household or shop could get from a scheme, and what things cost in this place. A map you can ask questions of.
Where two needs rhyme, the AI writes a draft, prices it locally, names the scheme that could carry part of it, and signs it as a machine. It never decides.
One member, one vote, points spread across the ideas. A draft goes to the vote only when one member leads it and another backs it. The result binds.
The kitty pays the vendor against a receipt, never the member. Paid, approved, asked for and left over sit on the front page for anyone to check.
Think of nesting dolls. A village kitty sits inside a taluka kitty, which sits inside a state kitty, and each keeps its own shape. To join, a group only has to say four things: who it is, what it puts in, what it proposes, and what it decided. Three rules, fixed the day the bigger kitty is made:
The formal name for letting people vote on a sum of public money is participatory budgeting. In plain words: the festival committee's kitty, run by a city. Everyone can see the sum, everyone the money is for gets a vote, and the vote binds. It is thirty-seven years old and has run in more than eleven thousand places. Cities have run digital twins for a decade too. Nobody has yet let the twin write what the people then vote on.
Brazilian towns that let people vote put more of the same budget into drains, water and clinics. Fewer babies died, by that much.
Gonçalves, World Development 53, 2014Across Brazil's largest cities: more spent on health, more local associations, fewer infant deaths, and the effect grew with every year it stayed in place.
Touchton and Wampler, Comparative Political Studies 47(10), 2014New Yorkers who once voted on a budget were about 8 points more likely to turn out in ordinary elections afterwards, most of all the young and the poor.
Johnson, Carlson and Reynolds, Political Behavior 45, 2023All three looked at what happened, not at a controlled trial, so they show a pattern and not a proof. The failures teach as much. Porto Alegre's scheme lived and died with one party's hold on city hall. Pune's survives but draws few people, because asking for suggestions is not the same as a vote on a sum you can see. The vote has to be real, open to everyone, and repeated. Full write-up with sources: What is a digital twin, and why pair it with a shared budget?
Each stands alone. Each makes the next one easier. None needs a department to build anything: the software exists, it is open, and it is running on real money today.
Pick one taluka, gewog or ward, and a sum. Its shops, households or self-help groups vote in 30 days, vendors are paid in 60, and the members say what it did for them in 6 months. A result with a date on it, on your own ground, this year.
Needs: the sum, and a line from your office inviting the members.
Which households look eligible for a scheme but are not drawing it? Where is the nearest day-care or clinic more than an hour away? A ranked map in two weeks, camps in the top ten places in 90 days. You find the villages your schemes miss before an audit does.
Needs: one named officer and the figures the department already keeps.
Scotland's rule, on a single scheme line: one per cent of it, decided by the people it is for, by a vote that binds, on the same public page. Small enough to be safe. Real enough to be remembered.
Needs: the line, the sum and the rule.
It asks nothing of a group except that it can say four things: who it is, what it puts in, what it proposes, what it decided. A panchayat clerk can produce those from a spreadsheet; so can a gewog office, a municipal ward, a Kudumbashree society or a farmer producer organisation. How each group decides inside, by show of hands, by ballot, by its own custom, is its own business.
In Bhutan, the nine domains of Gross National Happiness are the natural yardstick a group votes against. The system takes whatever goals a group names.
One is running today. The other two are what the same five steps could look like in a Bhutanese valley and an American town.
A ₹5 lakh fund for what they buy and run together: a shared scooter, a trainer, one licence for several shops.
Enter the CommonsA solar-powered community centre becomes the village's nervous system.
Residents borrow tools, teach practical skills, and earn credits for helping one another.
If a department, a panchayat, a dzongkhag or a municipal council wants to run a round of its own, with its own sum and its own members, this is built for exactly that. Everything we run is open, and every rupee is on a public page.
rohan@getlief.com · The Cybernetic Society