Bank of Us
Cooperatives
PIPELINE PREVIEW
M5 MEMBER
M5 System · Door 03 · Pipeline Preview

The sovereign cooperative pipeline
preview · pledge · activate.

A preview of the cooperatives, innovators, and entrepreneurs waitlisted to activate on M5 rails as state-by-state legal recognition comes online. Foundation built. Activation imminent.

Pipeline Preview · Pre-Activation · Not Yet On Rails
Check out the future. Every waitlisted idea here will activate on M5 rails this year.
None of the cooperatives below are operating yet — they are real innovators, entrepreneurs, and teams who have pledged to activate the moment their state's rails open. The foundation has been built: M5Canon, TitleChain, M5Pay, agents, IAM. What's coming online next is the StateChain rollout and adoption of UCC Article 12 / Cer Acts, the legal framework that lets DUNAs hold and settle digital assets. Pipeline includes billions in RWAs ready to tokenize, the Cedeco.eth registry's $87T in financial instruments, and Sophia's 600+ job-training credentials accelerating the sovereign labor pool.
$87T
Cedeco Pipeline
600+
Sophia Credentials
This Year
Activation
Min. Founding Members
100 sovereigns
Each member holds individual IAM. Co-op gets one TCID, members keep their own.
Legal Class
DUNA / StateChain
Native AI-blockchain entity class. WY live; additional states rolling out.
Treasury Structure
Multi-sig + Ricardian
Every member holds a key. Distributions audited in real time on TitleChain.
Governance
1 human · 1 vote
M5Canon enforces votes constitutionally. Member-weighted, agent-executed.
Waitlisted Cooperatives
2,847
+12 pledges / 7d
Pledged Founders
38,291
+247 / 7d
Committed Pledges
$284.7M
Pre-activation
Concepts in Formation
194
Awaiting state rails
Connects to · Capital & Intelligence layer
Capital · Door 03/$
M5 Capital →
/m5capital · Liquidity Layer
Where every cooperative draws credit, lines, and founding-wave capital. M5x402 settlement, Valoris Sovereign Protocol, TC-USD rails. The institutional onboarding lane.
$1.28B
Pipeline
$87T
Cedeco
Activate
This year
Index · Door 03/▦
M5 Global Index →
/index · Intelligence Layer
The sovereign economic measure. Aggregated cooperative value, regional activity, on-chain settlement velocity. The market view of the entire network in real time.
1,142.38
M5IDX
6
Sub-indices
Activate
This year
Mobility · Door 03/M
Autonomous Fleets
Member-owned robotaxi, drone, and flying-taxi cooperatives. Revenue flows to sovereign members, not platform shareholders. Vehicles registered on TitleChain; rides settled in TC-USD over x402.
412
Pipeline
$68.2M
Pledged
5,847
Founders
AI & Compute · Door 03/A
Sovereign AI Infra
Community compute nodes, local inference, decentralized data. Your agents run on your hardware under your TCID — no hyperscaler in the middle. M4 compute tokens.
847
Pipeline
$104.3M
Pledged
12,841
Founders
Energy & Resources · Door 03/E
Resource Cooperatives
Solar, wind, water, and clean-energy generation owned by the cooperative. Kilowatt-hours and water rights tokenized as M1/M2 assets. Settled directly between producer and consumer.
1,041
Pipeline
$78.1M
Pledged
14,208
Founders
Credit & Capital · Door 03/C
Sovereign Credit Unions
TitleChain-native credit unions. Deposits held as UCC Article 12 titled assets. Lending decisions governed by member vote, executed by M5 agents, settled in TC-USD.
547
Pipeline
$34.1M
Pledged
5,395
Founders
Health & Wellness · Door 03/H
Sovereign Health Unions
Member-owned health cooperatives running the 10Plan — a transparent cash-pay model that removes traditional insurance premiums and pays providers directly. Funded by member contributions and StateChain taxpayer backstop.
218
Pipeline
$42.6M
Pledged
8,914
Founders
The 10Plan · Cash-Pay Health Architecture
Remove the insurer. Pay providers directly.
Member Contribution
$400–500/mo
Deposited into a dedicated M5bank health & wellness account. Covers direct primary care and stop-loss.
StateChain Backstop
Up to cap
Taxpayer-funded loan covers expenses above what the member account can absorb.
Repayment Ceiling
10% paycheck
Maximum payroll deduction to repay the StateChain loan. Hard cap, enforced on-chain.
Forgiveness Horizon
15 years
Any remaining balance after 15 years is forgiven automatically by the StateChain contract.
Sovereign Wealth Donor Pools · Patron Tier · Pipeline
Fund a cooperative for those who can't fund themselves.
When the rails activate, verified sovereign-wealth donors will be able to directly underwrite cooperatives serving vulnerable populations — children, the elderly, unaccompanied minors, anyone falling through the cracks of legacy systems. Donations will be transparent, allocated by M5Canon governance, and routed straight into member health, education, or housing accounts. No NGO middle layer. The structures below are pre-committed and ready to activate.
Children
Foster & Orphan Cooperatives
Sponsor a sovereign IAM and health account for kids in foster care. Funds accrue to a vested vault released at 18.
Elderly
Senior Wellness Funds
Underwrite the 10Plan contribution for seniors below the income floor. Direct-pay primary care, no premiums.
Unaccompanied
Minor Sanctuary Pools
Health, housing, and education accounts for unaccompanied minors. Custodial agents under M5Canon oversight.
State Match
StateChain Co-Funding
Donors can target a specific state's vulnerable populations. StateChain matches contributions per its governance terms.
M5 Capital donor onboarding → Become a sovereign donor →
Genomics & Frontier · Door 03/G
Genomics & Life Sciences
Member-owned biotech, longevity, and personalized-medicine cooperatives. Patient data stays under sovereign IAM; clinical trial revenue and IP royalties flow back to participants. 100+ ventures incubating against the post-mainnet capital pool.
107
Pipeline
$58.4M
Pledged
2,847
Founders
M5Nomad · Door 03/N
Global Sovereign Mobility
Travel, residency, and jurisdiction-arbitrage cooperatives for sovereign members operating outside the U.S. Pre-vetted housing, banking, healthcare, and legal partners across every M5-recognized jurisdiction.
84
Pipeline
$18.7M
Pledged
3,241
Founders
Door 03 · Pipeline · Pre-Activation

Don't see your cooperative?
Get on the waitlist.

The foundation is built — M5Canon, TitleChain, M5Pay, agents, IAM are all in place. What we're waiting on is your state's recognition of the DUNA legal class and UCC Article 12 / Cer Act enactment. Bring 100+ pledged founders and a thesis; we'll line you up to activate the day your rails open.

Pipeline · Pre-Activation
WAITLIST2,847
FOUNDERS38,291
PLEDGED$284.7M
CONCEPTS194
M5 NETWORK67,341