A system that produces money by using assets as a precious metal

Abstract

The invention relates to the system, which is used in the field of banking and finance, and enables the production of money with a 100% equivalent by accepting valuable assets in the form of precious metals such as gold as the equivalent of money, and the supply of the money produced, solves the problem of limited gold reserves in the traditional gold money standard by accepting valuable assets as gold, creates a money supply without inflation and deflation by providing money production in exchange for valuable assets, also offers an interest-free credit system model and a payment guaranteed check system with money produced from precious metals with integrated methods, and produces money by using assets as precious metals.

Description

[0001] A System That Produces Money by Using Assets as a Precious Metal

[0002] TECHNICAL FIELD

[0003] The invention relates to a system, which is used in the field of banking and finance, and enables the production of money with a 100% equivalent by accepting valuable assets in the form of precious metals such as gold as the equivalent of money, and the supply of the money produced, solves the limited gold reserve problem in the traditional gold money standard by accepting valuable assets as gold, and ensures that money is produced in exchange for valuable assets, thus producing a money supply without inflation and deflation, also offers an interest-free credit system model and a payment guaranteed check system with money produced from precious metals using integrated methods, produces money by using assets as a precious metal.

[0004] PRIOR ART

[0005] Throughout history, modern financial systems have played a key role in growing economies and supporting business activity. However, each financial system has its own unique advantages, but it also has serious problems and limitations. Although the traditional gold standard, fiduciary monetary system, interest-bearing credit system, participation banking, check system and various other financial instruments have been developed to ensure economic stability, each of these systems carries its own risks and problems. The problems created by these financial systems are examined more comprehensively and the effects of these negativities on the modern economy are analysed below.

[0006] The traditional gold standard is a system in which money is based on physical gold. The main advantage of this system is that the money supply can be kept under control. However, various problems have arisen with the traditional gold standard. Firstly, the supply of gold is limited, which acts as a limiting factor for economic growth and expansion. As economies grow, more money supply is needed, but the limited supply of physical gold prevents this. This can lead to economic stagnation and cause deflation in prices. Deflation causes prices to fall overall, while the real value of debt increases, putting pressure on individuals and businesses that are in debt. Additionally, another problem with the traditional gold standard is that gold resources geographically become intense in certain areas. This leads to some countries having gold reserves but other countries taking on large foreign debts, leading to imbalances in global trade.

[0007] These difficulties with the traditional gold standard have encouraged the transition to a fiduciary monetary system, a system in which the value of a currency is not tied to gold or any other physical asset, but is based on government trust and economic stability. The flexibility provided by the fiduciary monetary system offers a significant advantage with the ability to increase the money supply according to economic conditions. However, there are various risks and problems in this system. One of the biggest problems with fiduciary monetary system is the risk of inflation. The ability of governments to print unlimited amounts of money can uncontrollably increase the money supply, fuelling inflation. Inflation causes the prices of goods and services to rise rapidly, reducing purchasing power of people. An even greater danger is hyperinflation. Hyperinflation causes currency of a country to almost completely lose its value, creating economic instability. The failure of governments to effectively manage monetary policy can undermine confidence in their currencies, leading to capital flight, exchange rate fluctuations and financial crises.

[0008] The interest-based credit system is another important element of the modern financial structure. This system makes it possible for individuals and businesses to obtain credit and finance economic activities. However, the interest-based credit system also has significant problems. One of the most important problems is that it increases income inequality. High interest rates increase the borrowing costs of low-income individuals, putting them under more debt. Rich individuals and institutions can increase their capital accumulation with interest income. This situation further deepens the inequality in income distribution. In addition, the interest-based credit system creates a debt spiral. High interest rates cause individuals in debt to have difficulty repaying their debts, and in this case, they may have to take out new credits. This puts debtors in an even more difficult situation and can lead to debt crises in the long run. The interest-based credit system can also encourage the economy to become over-indebted. Especially during periods of low interest rates, individuals and businesses can easily take out credits and become over-indebted, which can lead to asset bubbles and economic crises. The bursting of economic bubbles can lead to widespread financial crises. The 2008 global financial crisis was a result of the uncontrolled expansion of the interest-based credit system and weaknesses in risk management.

[0009] Participation banking and interest-free finance model was developed as an alternative to the interest-based credit system. This system offers an interest-free financing model and is generally based on the principle of profit-loss sharing. However, the interest-free finance model also has various problems. First, the risk sharing mechanism may not work properly. In theory, participation banking should be based on profit-loss sharing, but in practice it is seen that banks avoid risk sharing and focus only on profit situations. In addition, some financial instruments used in the interest-free finance model can be criticized as merely restructuring interest-bearing transactions in another form. This situation raises questions about whether it complies with the basic principles of the interest-free finance model. Another problem is the difficulties that participation banks face in liquidity management. Interest-free banks may have difficulty meeting short-term liquidity needs because the interest-free model does not allow for rapid liquidity increase. This creates serious problems, especially during economic crises.

[0010] The check system is another financial instrument that is widely used, especially in commercial transactions. However, the check system also has various problems. The most common problem is bounced checks. When a person or business writes a check without having enough funds in the bank, it hurts the payee and damages business trust. Bounced checks can cause serious financial problems, especially for small businesses. Plus, cashing checks can be time-consuming. Cashing a check can take several days or weeks, and cash flow problems can occur during this time. Check fraud is another major problem. Issuing fake checks can cause huge financial losses in commercial transactions and lead to lack of trust. Another problem is that checks can be cancelled; cancellation of the check can put the payee in a difficult situation and damage commercial relations.

[0011] Derivatives and speculative transactions, another component of the financial system, pose major risks in the modern economy. Derivatives are financial agreements based on the price of a future asset. Although these products provide hedging for investors, excessive use can lead to financial bubbles and market fluctuations. Speculative transactions can threaten economic stability, particularly by causing excessive volatility in financial markets. The opacity and complexity of derivatives markets make it difficult to fully understand risks, which can lead to sudden market crashes. The background to the 2008 global financial crisis was the excessive and uncontrolled use of derivatives.

[0012] In addition, new financial instruments such as cryptocurrencies also pose various problems and risks. Cryptocurrencies are digital currencies that are traded without being dependent on central authorities. The advantages of this system include anonymity, low transaction costs, and decentralized nature. However, cryptocurrencies face extreme volatility, lack of regulation, and security risks. Sudden price fluctuations in cryptocurrency markets pose great risks for investors. Sudden and large changes in the value of cryptocurrencies encourage speculative transactions, which can lead to serious losses for both individual and institutional investors. In particular, the unregulated nature of cryptocurrencies brings with it risks such as money laundering and illegal transactions. The lack of regulation and security gaps in these markets have led many investors to suffer major losses due to fraud or cyber-attacks. Additionally, the extreme volatility of cryptocurrency markets could pose a threat to economic stability and have a domino effect on traditional financial systems.

[0013] Another major problem is large-scale borrowing and public debt. In particular, governments' borrowing tendencies are becoming unsustainable in the long run. Governments borrow heavily to cover budget deficits or stimulate economic growth. However, repaying these debts can become a major burden in times of economic crisis. A country's inability to pay its debt (bankruptcy) can send shock waves through the international financial system. Especially in developing countries, high levels of external debt increase sensitivity to exchange rate fluctuations, which in turn causes serious economic crises. Moreover, public debt reaching unsustainable levels leaves a heavy burden on future generations and leads to cuts in social welfare spending.

[0014] Central bank monetary policies play a critical role in managing the modern financial system. However, central bank policies do not always produce the desired results and can sometimes lead to serious economic problems. For example, when central banks encourage excessive borrowing by keeping interest rates too low, financial bubbles occur. In addition, central banks' policies to increase money supply increase inflation uncontrollably. Another important risk is the impairment of central bank independence by political interventions. If governments manipulate monetary policy by putting pressure on central banks, this endangers economic stability in the long run.

[0015] Imbalances in the international financial system are one of the biggest problems of the global economy. Trade balance problems, especially between major economies, can lead to exchange rate wars and trade disputes. The economic gap between developed and developing countries causes the global financial system to become unbalanced. For example, developing countries may have become overly dependent on capital flows, and interest rate changes in developed countries cause sudden capital outflows in these countries. Such capital movements can disrupt financial stability and lead to sudden recessions. Similarly, exchange rate fluctuations can negatively impact international trade and cause global trade to slow. Banking sector risks are also among the fundamental problems of the financial system. Banks are the most important players in the financial system and play a central role in providing credit to sustain economic growth. However, problems in the banking system lead to widespread economic crises. Bad lending practices by banks, that is, providing credits without adequately assessing credit risk, cause financial crises. In addition, excessive use of leverage by banks, that is, borrowing in amounts much larger than their assets, creates serious problems in the event of a banking crisis. One of the main reasons for the global financial crisis of 2008 is the risky lending and leverage practices of banks. Another problem in the banking system is liquidity crises. If a bank cannot provide sufficient cash in the short term, it may go bankrupt, threatening the entire financial system. Bank failure can undermine public confidence in banks and create a widespread financial panic.

[0016] Consumer debt is a significant risk factor in the financial system. Excessive debt by individuals, especially increases in consumer credits such as credit card debt and mortgages, can lead to payment difficulties in the long run. Increasing of consumer debt can become a serious problem during economic downturns, because bank failures and economic crises can occur when individuals are unable to pay their debts. In addition, consumer debt constrains individuals’ spending power, and this situation negatively impacts economic growth. High borrowing costs, especially for low-income individuals, can push them into financial distress, which increases income inequality.

[0017] In conclusion, although modern financial systems and instruments are designed to support economic activity and stimulate growth, each carries its own serious risks and problems. The traditional gold standard, fiduciary monetary system, interest-bearing credits, participation banking, check system, derivative products, crypto currencies, public debts, central bank policies, international financial imbalances and banking sector risks each create different levels of economic and financial instabilities. Each of these systems has the potential to lead to global and local economic crises if not carefully managed or monitored. Therefore, for the healthy functioning of financial systems, strong regulations, transparency and effective control mechanisms are essential.

[0018] The problems in the current structure of the global financial system clearly reveal the inadequacies of traditional and modern tools. Although each of the structures such as the traditional gold standard, fiduciary monetary system, interest-bearing credit model, participation banking and traditional check system were developed to ensure financial stability, they brought with them serious risks and imbalances. In order to solve these problems, it is clear that the global financial system needs a radical revision. At this point, a new system based on a unique gold standard needs to be developed. This system, unlike the traditional gold standard, should not only provide a reserve mechanism based on gold, but also a structure that prevents the emergence of economic fluctuations such as inflation and deflation.

[0019] The new financial model should align the money supply with the real growth of the economy, backing the value of the currency with a solid and sustainable asset. This should create a balancing mechanism that will ensure that the currency remains stable, eliminating inflationary pressures and deflationary recessions. A new currency that does not create inflation or deflation should allow global trade to continue in a more fair and sustainable way, and support the sound economic structures of all countries.

[0020] In addition, a more equitable and transparent credit system is needed to solve the income inequalities, excessive debt problems and social injustices brought about by the current interest-based credit system. This new system should have an interest-free structure and also offer a fairer and more transparent model that envisages real risk sharing, rather than implicitly carrying risks as in participation banking. Credits should be arranged in a way that enables not only capital owners but also the masses to take an active role in economic activities. In this way, capital accumulation will not be concentrated in the hands of a single segment, and borrowing individuals and businesses will be able to continue their economic activities under transparent and fair conditions. This model should make economic growth more inclusive by reducing global income inequality.

[0021] On the other hand, the traditional check system has lost much of its credibility due to bounced checks and fraud cases. A secure and functional payment guarantee system should be offered and replace the traditional check system. This new model should both secure financial transactions and re-establish trust between parties by providing payment guarantees. Risks such as checks bouncing should be eliminated, and cases such as fraud and forgery should be prevented by guaranteeing payments.

[0022] As a result, a unique and innovative financial system is needed to solve the problems facing the global financial system. This system should address the shortcomings of traditional structures and include a new currency that does not cause inflation or deflation, a fair and transparent credit system, and a structure that provides a secure payment guarantee. In this way, the financial system can be made more sustainable and inclusive not only for major economies but for all economies around the world. This transformation is a critical step to restore global financial stability and prevent future economic crises. As a result of the research conducted in the literature, a Turkish patent application with the application numbered "2020 / 20426" and the invention titled "Payment Method via Precious Metal Account" was found. The said application relates to the method that enables the conversion of precious metals such as gold, silver, platinum and palladium based on their current market value and thus enables the valuable metals to be brought into the economy. However, in the said application, no mark related to a system, which is used in the field of banking and finance, and enables the production of money with a 100% equivalent by accepting valuable assets in the form of precious metals such as gold as the equivalent of money, and the supply of the money produced, solves the problem of limited gold reserves in the traditional gold monetary standard by accepting valuable assets as gold, creates a money supply without inflation and deflation by providing money production in exchange for valuable assets, also offers an interest-free credit system model and a payment guaranteed check system with money produced from precious metals using integrated methods, produces money by using assets as a substitute for precious metals was found.

[0023] As a result, the problems mentioned above, which cannot be solved in the light of existing technology, have made it necessary to make an innovation in the relevant technical field.

[0024] BRIEF DESCRIPTION OF THE INVENTION

[0025] The present invention relates to a system that produces money by using assets as precious metals in order to eliminate the above-mentioned disadvantages and bring new advantages to the relevant technical field.

[0026] The main purpose of the invention is to ensure that valuable assets are accepted as equivalent to money in the form of precious metals such as gold and that money with a 100% equivalent is produced and that the money produced is supplied, to solve the problem of limited gold reserves in the traditional gold monetary standard by accepting valuable assets as gold, to ensure that money is produced in exchange for valuable assets, thus creating a money supply without inflation and deflation, also to provide an interest-free credit system model and a payment guaranteed check system with money produced from precious metals through integrated methods, and to generate money by using assets as precious metals.

[0027] In order to achieve all of the objects mentioned above and those that will emerge from the detailed description below, the present invention is a system that ensures the circulation of the money produced between people through servers, databases and electronic devices belonging to people, that comprises representative financial exchange tools that enable circulation with exchange tools such as digital, registered, banknotes, metal money, crypto money, gold, which is a precious metal and includes all the values shown as physical and assets as precious metals, commodities, which are all physical goods traded in financial and economic markets, such as oil, gold, silver, copper and all mining and energy resources, a credit recipient, which refers to the real or legal person who requests a credit and who also receives credit today, the collateral, which is the total of the assets and precious metals requested from the creditor in order to obtain a credit, amortization, which ensures that assets in leases recover their value over a suitable period of time, annual amortization, which allows the amortization of the asset in leases to be calculated and expressed annually, capital, which defines the amount of credit received by the borrower, rent, which defines the rental fee paid by the borrower as a tenant, the credit term, which refers to the period determined for the full repayment of the credit debt received by the borrower, the check recipient who creates the check by providing collateral and pays with the check, the digital or non-digital check created by the check recipient, the check recipient who accepts the check and receives payment in return for the check, that is used in the field of banking and finance, and enables the production of money with a 100% equivalent by accepting the assets in precious metals such as gold as the equivalent of money, and the supply of the money produced, that solves the problem of limited gold reserves by accepting assets as gold, and ensures that money is produced in exchange for assets, thus creating a money supply without inflation and deflation, that also offers an interest-free credit model and a check system with money produced from precious metals using integrated methods, and produces money by using assets as precious metals, wherein; it comprises a currency unit that represents an official value produced by the money-producing unit in return for money, used in the purchase and sale of goods and services, payment of debts and measurement of economic values, precious metal that defines all assets that can be considered valuable, such as real estate, license, commodity, and that have a sales value and asset value, or any asset to which a value can be attributed by the system administrator organization, as gold or a mine determined by the money-producing unit by removing the limitations of the money supply in the traditional gold standard system with a physical gold mine, includes the defined asset in the unit that produces money like physical gold and enables the continuous production of one hundred percent gold or metal money, the treasury, which includes the physical vaults where the money-producing unit keeps physical gold or other minerals that it includes in its vault for money production, and the servers and databases, referred to as digital vaults, where the records of the values included in the money-producing unit as valuable assets are kept and where the data is located, the Aoh gold money standard, which defines the traditional gold standard limiting the production of money only with physical gold, includes all valuable assets as well as physical gold, accepts valuable assets as gold and defines the possibility of producing gold-backed money innumerable times by showing valuable assets in return, and ensures that valuable assets are brought into the economic and financial system, the system management organization that determines all the rules of the money-producing unit, ensures compliance with the gold standards, creates management and decision-making mechanisms for the use of the money-producing unit, and also designs the operation of the money-producing unit, gives the order for the production of money in the money-producing unit, accepts the valuable asset or attributes value to the valuable asset, supervises the money-producing unit, and manages its treasury, interest-free credit system, which is integrated with the servers and databases owned by the moneyproducing unit or can work integrated with today's credit systems via servers, and which allows the credit recipient to access interest-free financing with the tenant model by using the currency created by the money-producing unit and to obtain credit at a lower cost than today's credit systems, payment guaranteed check system that is located within the moneyproducing unit, integrated with the servers and databases owned by the money-producing unit, or designed to prevent fraud and bounced checks by communicating with today's financial system through servers, provides credit by using the currency of the moneyproducing unit that is received from the check recipient and is used as collateral in the event that the check created by the check recipient cannot be paid and secures the check recipient by ensuring the payment of the check with the credit created and prevents the check from being bounced, money production software that communicates with the money-producing unit, runs on servers or databases or electronic devices located in the money-producing unit, and enables the creation of money by showing the physical mineral form of all kinds of precious metals, primarily gold, and the assets included in the money-producing unit as valuable assets, the money-producing unit that communicates with the money production software, has servers and databases, provides money production, creates and manages the standards of the money produced, uses valuable assets against gold, offers an interest-free credit system and includes a payment guaranteed check system, and ensures that the gold equivalents of the said valuable assets and the information of all units are stored in the databases on it.

[0028] In order to best understand the structure of the present invention and its advantages together with the additional elements, it needs to be evaluated together with the drawings described below.

[0029] BRIEF DESCRIPTION OF FIGURES Figure 1 is a representative view of the system that produces money by using the assets of the invention as precious metals.

[0030] The drawings are not necessarily to scale, and details that are not necessary to understand the present invention may be omitted. Furthermore, elements that are at least substantially identical or have at least substantially identical functions are designated by the same number.

[0031] REFERENCE NUMBERS

[0032] 1 . Money-producing unit

[0033] 2. System administrator organization

[0034] 3. Valuable asset

[0035] 4. Money production software

[0036] 5. Representative financial exchange instruments

[0037] 6. Currency

[0038] 7. Treasury

[0039] 8. Aoh gold money standard

[0040] 9. Aoh dollar

[0041] 10. AOHD

[0042] 11. Gold

[0043] 12. Commodity

[0044] 13. Interest-free credit system

[0045] 14. Credit recipient

[0046] 15. Guarantee

[0047] 16. Amortization

[0048] 17. Annual amortization

[0049] 18. Capital

[0050] 19. Rent

[0051] 20. Credit period

[0052] 21 . Payment guaranteed check system

[0053] 22. Check

[0054] 23. Check issuer

[0055] 24. Check recipient

[0056] 25. Check limit

[0057] 26. Check account DETAILED DESCRIPTION OF THE INVENTION

[0058] In this detailed description, the system that produces money by using the assets of the invention as precious metals is described only with examples that will not form any limiting effect on the better understanding of the subject.

[0059] The system that produces money by using assets as precious metals comprises the moneyproducing unit (1), system administrator organization (2), valuable asset (3), representative financial exchange instruments (5), currency (6), treasury (7), aoh gold money standard (8), aoh dollar (9), aohd (10), gold (11), commodity (12), interest-free credit system (13), credit recipient (14), guarantee (15), amortization (16), annual amortization (17), capital (18), rent (19), credit period (20), payment guaranteed check system (21 ), check (22), check issuer (23), check recipient (24), check limit (25), check account (26). The money-producing unit (1) is the definition, which has servers and databases, in which money production is provided through money production software (4), the standards of the produced money are created and managed, valuable assets (3) are used as gold (11), and which provides an interest-free credit system (13) and includes a payment guaranteed check system (21 ), and ensures that the mentioned valuable assets (3), gold (11) equivalents and information of all units are stored in the databases on it. System administrator organization (2) is the system management organization is the highest management organization of the money-producing unit (1 ), which determines all the rules of the money-producing unit (1 ), ensures compliance with its standards, creates management and decision-making mechanisms for the healthy use of the money-producing unit (1), designs the operation of the money-producing unit (1), orders the production of money in the money-producing unit (1), accepts the valuable asset (3), creates or values the valuable asset (3), supervises the money-producing unit (1), and manages its treasury (7). Valuable asset (3) is any good, product, mineral, object or thing, which defines any asset that can be considered valuable, such as real estate, license, commodity (12), has a sales value or can be assigned a value by the system administrator institution (2) as gold (11) or the mine determined by the money-producing unit (1) by eliminating the limitations of the money supply in the traditional gold (11) standard system with the physical gold (11 ) mine, which includes the defined asset in the money-producing unit (1) such as physical gold (11) and enables the production of one hundred percent gold (11 ) or metal money indefinitely. The money production software (4) is the unit that communicates with the money production unit (1 ) and enables the creation of money by showing the physical mineral form of all kinds of precious metals, primarily gold (11), and those included in the money production unit (1 ) as valuable assets (3). Representative financial exchange instruments (5) define all representative instruments that enable the circulation of the currency (6) produced in the money-producing unit (1) among individuals through servers and databases located in the money-producing unit (1) and electronic devices belonging to individuals, such as digital, registered, banknotes, metal money, crypto money. The currency (6) represents an official value produced in exchange for the moneyproducing unit (1), used in the purchase and sale of goods and services, payment of debts and measurement of economic values. Treasury (7) is the unit that includes the physical safes in which the money-producing unit (1) includes the physical gold (11) or other minerals and valuable assets (3) such as works of art, luxury watches and also the physical banknotes of the produced currency, and the servers and databases called digital safes in which the records of the values included in the money-producing unit (1) as valuable assets (3) are kept and the data is located. The Aoh gold money standard (8) represents a new definition introduced to the economic and financial system, which includes not only the definition of the traditional gold (11) standard that limits money production with physical gold (11) but also all valuable assets (3) and accepts valuable assets (3) as gold (11) and defines the possibility of infinite gold (11) backed money production by showing valuable assets (3) as a counterpart. Aoh is a term derived from the initials of the phrase "Hasan, Son of Abdullah", which refers to the inventor Hasan KIIIQ himself. The Aoh dollar (9) is the representative name of the currency (6) produced by the money-producing unit (1) in the money-producing unit (1 ) and in the financial and economic systems. AOHD (10) is the abbreviation for the practical use of the Aoh dollar (9), which is the currency (6) used within the money-producing unit (1) and in financial systems. Gold (11) is the name of the mineral that is a precious metal and includes all the values shown as a valuable asset (3) in its physical form and in the money-producing unit (1). Commodity (12) refers to all physical goods traded in financial and economic markets, such as mining and energy resources such as oil, gold (11), silver, and copper. The interest-free credit system (13) is a system that is integrated with the servers and databases owned by the money-producing unit (1) or can work integrated with today's credit systems via servers, and enables the credit recipient (14) to access interest-free financing through the tenant model, thus providing a less costly credit. Credit recipient (14) refers to the real or legal person who requests credit through the interest-free credit system (13) or the payment guaranteed check system (21) in the money-producing unit (1 ), and who also receives credit today. Guarantee (15) is the totality of valuable assets (3) and precious metals that the money-producing unit (1) demands from the credit recipient (14) in order to guarantee itself in order to obtain a credit. Amortization (16) ensures that valuable assets (3) in leases pay off their value in the period deemed appropriate by the money-producing unit (1 ). Annual amortization (17) allows the amortization of the valuable asset (3) in leases to be calculated and expressed annually (16). Capital (18) defines the amount of credit received by the credit recipient (14). Rent (19) defines the rental fee paid by the credit recipient (14) as a tenant. Credit period (20) refers to the period determined for the full repayment of the credit debt received by the credit recipient (14). Payment guaranteed check system (21 ) is a system that is integrated with the servers and databases owned by the money-producing unit (1 ) or designed to prevent fraud and bounced checks (22) by communicating with the servers of today's financial system, and that provides credit creation by showing the guarantee (15) received from the check issuer (23) as guarantee in case the check (22) created by the check issuer (23) cannot be paid, and secures the check recipient (24) by ensuring payment of the check (22) with the created credit and prevents bounced check (22). Check (22) describes the digital checks (22) created by the check issuer (23). The check issuer (23) is the party that creates the check (22) in the money-producing unit (1) by presenting guarantee (15) and makes payment with the check (22). The check recipient (24) is the party that accepts the check (22) and receives payment in return for the check (22). The check limit (25) is the limit that the check issuer (23) can create in return for the guarantee (15) and defines the value of the guarantee (15) as the maximum limit when creating the check (22). The check account (26) is the unit in which the information of individuals is kept, which enables the check issuer (23) to create checks (22), receive checks (22) and manage all check (22) transactions, and which communicates with the servers and databases owned by the moneyproducing unit (1).

[0060] The system that produces money by using assets as precious metals expands the scope of the traditional gold (11 ) standard and defines the money supply based on gold (11) and the concept of gold (11 ) more flexibly under the name of Aoh gold money standard (8). The invention has also been developed in a very flexible way to adapt to all kinds of economic conditions and financial developments. The aoh gold money standard (8), in addition to expanding the traditional concept of gold (11) with the definition of the money-producing unit (1) offers a unique, completely interest-free and fair credit system with its interest-free credit system (13) that can work integrated with the money-producing unit (1), its interest-free model-based leasing system for credit recipients (14), and its leasing model based on amortization (16) calculations, relieving credit recipients (14) from the financial burden brought by the interest system. In addition, with the integrated payment guaranteed check system (21) within this invention, it is possible to prevent checks (22) from bouncing and to prevent fraud.

[0061] While gold (11 ) is traditionally considered to be a physical value extracted from the ground, this invention expands the scope of gold (11 ) to include valuable assets (3). The basic principle of the invention is that valuable assets (3) that can be converted into a certain amount of gold (11) are considered as gold (11) and money is produced in exchange for these assets. The basic principle of the invention is that valuable assets (3) that can be converted into a certain amount of gold (11) are accepted as gold (11) and money is produced in exchange for these assets. The money-producing unit (1) allows the economic value of valuable assets (3) to be evaluated in terms of gold (11) and the management of financial processes based on these values. However, the money-producing unit (1) is not limited to gold (11 ) alone, and has the flexibility to change its standard by using another metal as a counterpart.

[0062] The money-producing unit (1) by using assets as precious metals has an innovative approach and offers a financial model that relates gold (11) not only in its physical form but also to valuable assets (3). For example, real estate, precious stones, works of art, and any other valuables that can be attributed value are defined as valuable assets (3). If these valuable assets (3) can be sold or valued for a certain amount of gold (11), then these assets are considered gold (11 ). This acceptance allows these assets to be valued as gold (11) and money to be produced based on these values. Thus, with the acceptance of valuable assets (3) as gold (11), these assets are included in the treasury (7) of the money-producing unit (1) and money is produced through the money-producing unit (1 ) and is offered and put into circulation through representative financial exchange instruments (5). The interest-free credit system (13) and payment guaranteed check system (21 ) are just a few ways to create liquidity by creating money supply, and as long as the money-producing unit (1) can define it as a valuable asset (3) in order to produce money and a value can be attributed to these assets by the system administrator organization (2), unlimited gold (11) can produce money and can quickly integrate the methods that can produce money with its equivalent.

[0063] The money-producing unit (1) that produces money by using assets as a substitute for precious metals recognizes that gold (11) reserves are not limited to physical gold (11 ) extracted from the ground, but also include assets that have economic value or can be evaluated in exchange for a certain amount of gold (11). In this way, it increases liquidity in the financial system while supporting economic growth and minimizing inflation and deflation risks. Creating money through assets considered as gold (11 ) provides a significant advantage in terms of maintaining economic stability and responding quickly to market demands.

[0064] In the money-producing unit (1), although the money created is shown as the gold (11) equivalent of valuable assets (3), since these assets are considered as gold (11), money production is evaluated as directly based on gold (11). This approach expands the physical limits of gold (11) reserves and allows a wider range of assets to be used in financing economic activities. The use of assets considered as gold (11) provides flexibility in managing the money supply and credit processes, increases liquidity and supports the stability of the financial system.

[0065] This innovative model provides a reliable financial environment for both local and international investors and increases resilience in the face of economic uncertainties. With the acceptance of valuable assets (3) as gold (11), a financial solution that encourages economic growth and ensures financial stability is offered with an interest-free credit system (13) and a payment-guaranteed check system (21) that works in integration with the moneyproducing unit (1) and supports money production with gold (11). The money-producing unit (1) aims to create a more flexible and innovative approach by expanding the boundaries of existing financial models.

[0066] The money producing unit (1 ) does not need deposits to be able to provide credits, as in traditional systems. By responding quickly to the credit request of the credit recipient (14), a currency unit (6) with a one hundred percent gold (11) equivalent is created in the moneyproducing unit (1 ) based on the gold (11 ) equivalent value of the valuable assets (3) accepted as guarantee (15). The money produced in the money-producing unit (1) in exchange for valuable assets (3) returns to the money-producing unit (1) when credit repayments are made and the guarantee (15) received in exchange for the treasury (7) is released. In this case, the returned money is deleted to prevent the production of unpaid money in the money-producing unit (1). This mechanism prevents inflation by preventing the unnecessary increase in the money supply. In other respects, when a new credit application is made for the same valuable asset (3) and if the value of this valuable asset (3) has changed upwards against gold (11), more money can be created in the money-producing unit (1) based on the new value. This enables flexible money management and liquidity according to economic conditions and market demands.

[0067] Although the money-producing unit (1 ) was designed to spread the use of gold (11 ), it can take action with all kinds of metals and valuable assets (3). Today's fiduciary monetary systems are very vulnerable to inflation. The traditional gold (11) standard is resistant to inflation but not to deflation, which negatively affects economic growth. This uniquely developed invention solves the inflation problem of today's financial system and the deflation caused by the limited gold (11 ) reserves in the traditional gold (11 ) standard with a single money-producing unit (1) forever. The money-producing unit (1) is also not limited to just gold (11). A metal that can be considered valuable according to financial and economic conditions can easily be included in the standard of the money-producing unit (1). For example, even if it is very impossible, in the event of gold (11) disappearing, the money-producing unit (1 ) is flexible enough to convert any commodity such as silver, copper (12) into the equivalent of the money produced.

[0068] The payment guaranteed check system (21) developed within the money-producing unit (1 ) can be adapted to the existing financial ecosystem, or it can work in a way that supports money production by being integrated with the money-producing unit (1). The payment guaranteed check system (21) prevents fraud by taking a guarantee (15) to prevent the check from being dishonored when there is not enough balance in the check issuer’s (23) account, by valuing the guarantee (15) and by setting a limit according to the value of the guarantee (15), and also ensures the payment of the check (22) by creating an automatic credit on the guarantee (15) when there is not enough balance in the check issuer’s (23) account and secures the check recipient (24). The payment guaranteed check system (21) does not operate with high operational costs as in traditional systems. In this system, checks (22) are created digitally. It provides high transparency and traceability. The payment guaranteed check system (21 ) operates quickly and efficiently.

[0069] The money-producing unit (1 ) includes valuable assets (3) in the financial system as gold (11 ), thus ensuring that a one hundred percent gold (11) currency (6) is produced and put into circulation. The money-producing unit (1), while in the traditional gold (11) standard system the money supply is limited to the physical gold (11) mine, by eliminating these limitations, defines any valuable asset (3) that can be considered valuable such as real estate, license, commodity (12), has a sales value, or can be attributed a gold (11) value by the system administrator organization (2) as gold (11) and includes the defined valuable asset (3) in the money-producing unit (1) like physical gold (11), thus providing infinite gold (11 ) currency production.

[0070] The money producing unit (1) is accepted as a new standard that expands the scope and definition of the traditional gold (11 ) standard system, covering all kinds of valuable assets (3) to be shown as gold (11) and offering a more flexible structure, and is named as the AOH gold money standard (8) in order to reveal its difference to the financial and economic system. The AOH gold money standard is a financial standard that evaluates not only gold but also all assets that can be considered equivalent to gold as gold and offers an innovative economic model that aims to use these assets effectively in the financial system. This standard expands the limitations of the traditional gold standard by not only relying on physical gold, but also accepts assets such as real estate, diamonds, gemstones, precious metals, and even works of art as equivalent to gold. Thus, all assets considered as gold equivalents serve as essential reserve instruments in ensuring economic growth and financial stability. This allows monetary policies to be conducted on a more flexible and expanded basis, using a broader value base, as opposed to traditional systems that base the money supply on a narrow physical gold reserve. This innovative approach redefines the role of gold and gold-equivalent assets in the financial ecosystem while increasing the sustainability of the financial system. Accepting every valuable asset with gold value as gold allows the money supply to be managed more flexibly and dynamically according to economic conditions. While these assets can be used to provide liquidity, especially during periods of growth, these assets contribute to maintaining financial stability by functioning as a store of value during periods of economic contraction or crisis. This flexibility offers protection against both inflationary and deflationary pressures and thus increases the resilience of the financial system. The gold (11 ) metal, determined in the general operation of the moneyproducing unit (1), is the metal held in exchange for the currency (6) to be produced and to be used in calculations and valuations in the money-producing unit (1). In addition, the system administrator organization (2) has the flexibility to determine, in accordance with economic conditions and financial requirements, a different precious metal or commodity (12) as a counterpart in the money-producing unit (1), other than the precious metal gold (11 ), or any other valuable asset (3) that can be considered valuable as a commodity (12), has a sales value or whose value can be attributed by the system administrator organization (2). In case of such a necessity, the system administrator organization (2) may re-establish the standard.

[0071] The currency (6) to be produced and put into circulation by the money-producing unit (1 ) is mutually supported by one hundred percent gold (11). The name of the determined currency (6) is called Aoh dollar (9). This currency (6), called AOH dollar (9), can also be abbreviated as AOHD (10) or AOH$ wherever the expression and transfer of currency (6) is involved, such as in financial systems, payments, banking applications and accounting systems. The system administrator organization (2) clarifies by determining how much gold (11) will be held in exchange for one unit of AOHD (10) and how many units of AOHD (10) will be in exchange for 1 gram of gold (11 ). Or, in case of necessity, if gold (11) cannot be used, it determines and clarifies a different precious metal or commodity (12) as a substitute, or any valuable asset (3) that can be considered as valuable as commodity (12), has a sales value or can be valued by the system administrator organization (2). The system administrator organization (2) initiates and manages the system by announcing in advance how much gold (11) it will hold in its treasury (7) in exchange for one unit of AOHD (10) and how many units of Aoh dollars (9) or AOHD (10) are equal to 1 gram of gold (11). The amounts initially declared by the system administrator organization (2) are maintained as fixed. However, these values, which should be considered fixed according to financial and economic conditions, are flexible enough to be changed by the system administrator organization (2).

[0072] It is mandatory that the Aoh dollar (9) produced as gold (11) covered is backed by 100% gold (11 ) and that the treasury (7) of the money-producing unit (1) contains precious metals or valuable assets (3) or commodities (12) equal to the gold (11) equivalent of the amount of money produced. The treasury (7) of the money-producing unit (1 ) may contain precious metals, commodities (12) or valuable assets (3) that have not been produced as currency (6). However, it is a necessity to have enough precious metals or valuable assets (3) in the treasury (7) of the money-producing unit (1) to cover the entire amount of money produced and put into circulation through representative financial exchange instruments (5) in order to avoid inflation. The system administrator organization (2) regularly audits the records of the gold (11 ) held in the gold (11) equivalents of the currency (6) produced and put into circulation with representative financial exchange instruments (5) or the valuable assets (3) shown as gold (11 ).

[0073] The money-producing unit (1) provides money production by accepting the valuable assets (3) as gold (11) and recording them in the treasury (7) of the money-producing unit (1), working in integration with the money-producing unit (1), and essentially providing money production through credit, with the fiduciary and registered currencies (6) used by the system administrator organization (2), which can also be used separately from the money-producing unit (1 ), with the payment guaranteed digital check (22) and interest-free credit system (13), or by directly entering the treasury (7) with physical gold (11), or by purchasing the valuable asset (3), or by directly entering the valuable asset (3) into the treasury (7).

[0074] After the money-producing unit (1 ) produces money, it puts the produced Aoh dollars (9) into circulation by supplying money with any financial instrument (5) that can be used as a representative financial exchange instrument (5), such as digital money, registered money, physical banknotes, moneys, crypto money, etc. The representative financial exchange instruments (5) included in circulation are essentially used to represent gold (11). Its representative expression is expressed as Aoh dollar (9). Aoh dollar (9) enables the infinite division and transfer of gold (11) in the financial system and the use of gold (11) in payments.

[0075] The system administrator organization (2) designs and puts into service the technological infrastructure that will enable the transfer of (6) currencies in physical, metallic, precious metal, digital or registered form, in line with the requirements of the age or technological developments. The money-producing unit (1) also provides a credit system that provides the opportunity to obtain interest-free credits, which can also operate in integration with the money-producing system (1) based on the AOH gold money standard (8). The moneyproducing unit (1 ) is managed by the system administrator organization (2) and its standards are established by the system administrator organization (2).

[0076] The working mechanism and principle of the interest-free credit system (13) is as follows; The credit recipient (14) requests a credit by presenting the valuable asset (3) in his / her possession to the money-producing unit (1) as guarantee (15). By receiving the credit request from the credit recipient (14), the full ownership value of the valuable asset (3) determined by the credit recipient (14) is determined in terms of the system currency (6), which can be expressed with a number ending in zero. Afterwards, the credit amount requested by the credit recipient (14) and the most suitable credit period (20) are determined. While determining the credit amount and credit period (20), the requested credit must be a value that can be expressed with a number ending in zero and a maturity period that divides the requested credit exactly and without a remainder must be determined. Afterwards, the purchase process of the valuable asset (3) is initiated by the money-producing unit (1 ). The purchase process is initiated by the valuable asset (3) and the credit recipient (14) sells it to the system administrator organization (2) at the value determined by the repurchase commitment. The transfer process of the valuable asset (3) to the system administrator organization (2) is completed. The transfer process of the valuable asset (3) to the system administrator organization (2) is completed. The purchase price is paid by the system administrator organization (2) with the reserve in the cash register or by producing the system currency (6), and the purchase price is paid to the credit recipient (14) and the purchasing process of the valuable asset (3) from the credit recipient (14) is completed. After the completion of the purchasing process, the credit recipient (14) starts to re-purchase the valuable asset (3) that he / she sold during the determined credit period (20). The repurchase value of the valuable asset (3) by the credit recipient (14) is equal to the value of the property he / she sold to the system administrator organization (2) as long as he / she makes regular capital and rent (19) payments. The reacquisition of the valuable asset (3) increases with each capital payment made within the specified period. The credit recipient (14) pays the capital payments in equal instalments within the specified period, without interest. The credit recipient acquires full ownership of the valuable asset (3) when he / she completes the capital payments (14) and no rent (19) is owed. After the credit recipient (14) regains ownership of the valuable asset (3) and it is understood that he no longer has any debt to the system administrator organization (2), the return procedures for the valuable asset (3) are initiated by the system administrator organization (2) and the transfer procedures to the credit recipient (14) are completed.

[0077] After the completion of the purchase process, the credit recipient (14) becomes the tenant of the valuable asset (3). The credit recipient (14), who is in the position of a tenant, remains as a tenant until the payments are completed. The credit recipient (14) makes capital (18) payments and rent (19) payments to the system management organization (2) during the maturity period determined in the credit process. Rents (19) are made according to the amortization (16) of the valuable asset (3). While determining the amortization (16) period, a period is selected that divides the value of the valuable asset (3) determined at the beginning of the credit process exactly and without a remainder and the amortization (16) period is clarified. While determining the (3) monthly rent (19) fees of the valuable asset (3) with a specified amortization (16) period, the capital (18) is taken into account. By dividing the capital (18) amount by the previously determined amortization (16) period of the valuable asset (3), the annual amortization (17) value of the valuable asset (3) is reached. The monthly rent (19) payment is calculated by dividing the annual amortization (17) value by 10 months. The credit recipient (14) pays the rent (19) payments monthly through the amortization (16) account, together with the capital (18) payment. The rent recipient (14) increases his / her ownership in the valuable asset (3) with each monthly capital payment (18), which allows the rent (19) payment to be recalculated based on the remaining property value. The money-producing unit (1) does not include the capital (18) amount paid by the credit recipient (14) in the calculation of amortization (16), so that the rent (19) payments are recalculated each month on the remaining capital (18). This fair approach ensures that the rent (19) burden is reduced with each capital (18) payment made by the rent recipient (14) and that costs are accurately reflected.

[0078] In case the credit recipient (14) does not make the credit and rent (19) payments, the moneyproducing unit (1) starts to collect the rent (19) debt of the credit recipient (14) from the capital (18) payment paid by the credit recipient (14). As long as the credit recipient (14) continues to fail to make payments, the rent (19) debt continues to be collected from the capital (18) paid. The money-producing unit (1) retains the initial contractual rights of the credit recipient (14) for the duration of the credit period (20). If the credit recipient (14) fails to comply with the terms of sale and lease (19), the system administrator organization (2) establishes the necessary conditions. The credit recipient (14) is informed in advance and the credit is terminated. The credit recipient (14) loses his rights in the valuable asset (3) he / she offered to the money-producing unit (1). The money-producing unit (1) also provides a payment guaranteed check system (21) that can also operate in integration with the money-producing system (1) based on the AOH gold money standard (8). This system is managed by the system administrator organization (2) and its standards are established by the system administrator organization (2).

[0079] The working mechanism and principle of the payment guaranteed check system (21) is as follows;

[0080] The payment guaranteed check system (21) is a digital payment tool that aims to increase security and speed in commercial transactions. The payment guaranteed check system (21) was developed to solve the security and liquidity problems of traditional check (22) systems. The purpose of the payment guaranteed check system (21) is to transfer check (22) transactions to the digital environment and to ensure that transactions are carried out quickly and securely. The payment guaranteed check system (21) eliminates the risk of bad checks (22) and provides a secure transaction environment for both the check issuer (23) and the check recipient (24).

[0081] In order to use the payment guaranteed check system (21), the check issuer (23) and the check recipient (24) must open a check account (26) with a bank or a financial institution or a financial services provider or system administrator organization (2) where the check (22) system can be used. This account is an account where the check issuer (23) or the check recipient (24) can perform check (22) transactions, provide guarantee (15) and manage check limits (25), enable the check issuer (23) to create a check (22), transfer the check (22) created to another user who has a payment guaranteed check account (26) or receive a payment guaranteed check (22) from another user, and provides very detailed services for the check recipient (24) and the check issuer (23).

[0082] The check issuer (23) opens a digital check account (22) through a bank or financial institution or financial services provider or system administrator organization (2). Through this account, he / she provides guarantee (15) so that he / she can create a check (22) with a payment guarantee as a check issuer (23). The check limit (25) is determined in line with this guarantee (15). The check issuer (23) is authorized to write a check (22) by showing the guarantee (15). Guarantee (15) is protected by the relevant financial institution by taking precautions. The highest check (22) creation limit of the check issuer (23) is equal to the determined value of the guarantee (15). The check issuer (23) creates check (22) through digital check (22) account. In order for check (22) to be created, the value of check (22) created by check issuer (23) must be equal to or less than the maximum limit amount determined by guarantee (15). The check issuer (23) can create unlimited guaranteed payment checks (22) within the maximum limit. If the limit is not sufficient, the guaranteed payment check system (21) rejects the transaction by preventing the check issuer (23) from creating the check (22). When the payment date of the check (22) is reached, the check issuer’s (23) account is checked. If there are funds in the check issuer’s (23) account corresponding to the check (22), the check recipient (24) is paid. As the check (22) payment transactions are completed, the check limit (25) given to the check issuer (23) is automatically renewed. The payment guaranteed check system (21 ) provides flexibility to the check issuer (23), enabling the check issuer (23) to create uninterrupted checks (22) and manage liquidity more effectively.

[0083] Checks (22) created in the payment guaranteed check system (21) have a guarantee based on guarantee (15). If the check issuer (23) does not have sufficient funds, the payment guaranteed check system (21) steps in and automatically creates a credit and pays the amount of the check (22). In this way, the check recipient (24) is assured of payment security and the risk of a bad check (22) is eliminated. Credits can be provided by a bank or financial institution, or they can be paid by the system administrator organization (2). If there are sufficient funds in the bank or financial institution's account or if there are sufficient funds in the cash register or account of the system administrator organization (2), the payment is made with these funds. After the payment is made, the check issuer (23) becomes the credit debtor. The check issuer (23) is incurring a credit debt for the amount of the check (22) paid. This credit is realized by purchasing the guarantee (15) shown and providing it to the check issuer (23) with an interest-free credit based on the logic of resale or rental, with the profit margin determined.

[0084] If the payment is to be made in AOHD (10), which is the currency (6) produced by the system administrator organization (2), and the fund pool of the fiduciary and registered currencies (6) of the system administrator organization (2) is not sufficient, or if the check issuer (23) and the check recipient (24) accept the Aoh dollar (9), which is the currency (6) produced by the money-producing unit (1), or if the check issuer (23) created the check (22) in the Aoh dollar (9) currency (6), the amount of the check (22) to be paid can also be realized by generating money based on the rental logic, with the interest-free credit method under the control of the system administrator organization (2).

[0085] Figure 1 of the invention shows the main working principle of the money-producing unit (1). The money-producing unit (1) contains many definitions within itself. The money-producing unit (1) can also create money upon an external demand or upon the demand of the credit recipient (14) or upon the demand of the credit recipient (14) for guarantee (15). In addition, the money-producing unit (1) can obtain value by referring to valuable asset (3) and commodity (12) units within itself without any external demand.

[0086] The functions performed by the money-producing system are;

[0087] • In addition to physical gold (11 ) by the money-producing unit (1 ), by accepting the valuable assets (3) as gold (11 ), one hundred percent gold (11) currency is produced.

[0088] • The money-producing unit (1) offers interest-free credit using valuable assets (3) as guarantee (15). The credit recipient (14) regains ownership by purchasing back the valuable asset (3). It accesses interest-free financing by making rent (19) payments. Thanks to the decreasing rent (19) cost as the capital payment is made, cost-effective financing is provided by paying less rent (19) each month.

[0089] • A payment guaranteed check system (21) is offered as a digital payment tool to ensure security in commercial transactions. It provides a secure transaction environment by eliminating the risk of bounced checks (22). It prevents checks (22) from bouncing with the payment guaranteed check system (21).

[0090] • The money-producing unit (1) expands the traditional gold (11) standard system by accepting valuables (3) as gold (11) instead of gold (11) and thus enables the production of infinite amounts of gold (11) currency.

[0091] • The money-producing unit (1) provides the definition of the traditional gold (11) standard, redefines the gold (11) standard as the Aoh gold money standard (8) in a more comprehensive and expanded form, using valuable assets (3) as gold (11).

[0092] • The money-producing unit (1 ) facilitates the transfer of gold (11) in financial systems and its use in payments by expressing the currency unit (6) produced in exchange for gold (11) as Aoh dollar (9) and abbreviating it as AOHD (10) and AOH$.

Claims

CLAIMS1. A system comprising ;• representative financial exchange tools (5) that enable the circulation of produced money between people through servers, databases and electronic devices belonging to people or through exchange tools such as digital, registered, banknotes, metal money and crypto money,• gold, which is a precious metal and includes all the values shown as a physical asset and a precious metal (11),• commodity (12), which are all physical goods traded in financial and economic markets, such as oil, gold (11), silver, copper and all mining and energy resources,• credit recipient, which refers to the real or legal person who requests a credit and who currently receives credit (14),• guarantee (15), which is the total of the assets and precious metals requested from the credit recipient (14) in order to obtain credit,• amortization (16), which ensures that assets in leases recover their value over a suitable period of time,• annual amortization (17), which allows the amortization (16) of the asset to be calculated and expressed annually in leases,• capital (18), which defines the amount of credit received by the credit recipient (14),• rent (19), which defines the rental fee paid by the credit recipient (14) in the position of a tenant,• credit period (20), which refers to the period determined for the full repayment of the credit debt received by the credit recipient (14),• check issuer (23) who creates the check (22) by showing the guarantee (15) and makes the payment with the check (22),• digital or non-digital check (22) created by the check issuer (23),• check recipient (24) who accepts the check (22) and receives payment for the check (22) being used in the field of banking and finance, and enabling the production of money with a 100% equivalent by accepting the assets in precious metals such as gold (11) as the equivalent of money, and the supply of the money produced, solving theproblem of limited gold (11) reserves by accepting assets as gold (11), creating a money supply without inflation and deflation by providing money production in exchange for assets, also offering an interest-free credit model and a check (22) system with money produced from precious metals using integrated methods, producing money by using assets as precious metals, characterized by comprising:• currency (6), which represents an official value produced by the moneyproducing unit (1) in return for money, used in the purchase and sale of goods and services, payment of debts and measurement of economic values,• valuable asset (3), by eliminating the limitations of the money supply in the traditional gold (11) standard system with the physical gold (11 ) mine, defining all assets that can be considered valuable, such as real estate, license, commodity (12), that have a sales value and asset value, or any asset that can be attributed a value by the system administrator organization (2) as gold (11 ) or a mineral determined by the money-producing unit (1 ), including the defined asset in the money-producing unit (1) such as physical gold (11) and enabling the continuous production of one hundred percent gold (11) or metal money and being used when desired,• treasury (7) that the money producing unit (1) includes in its safes for the production of money, physical safes containing physical gold (11) or other minerals and valuable assets (3) such as works of art, paintings, luxury watches (3) as well as physical banknotes of the produced currency, and records of the values included in the money producing unit (1) as valuable assets (3) are kept and contains the money producing unit (1) vault, which also includes the servers and databases called the digital safes where the data is located,• Aoh gold money standard (8) providing a definition of the traditional gold (11) standard that limits the production of money to physical gold (11) only, accepting all valuable assets (3) as gold (11) as well as physical gold (11) by including all of the valuable assets (3) and defining the possibility of producing money in return for gold (11 ) in an unlimited number of ways by showing valuable assets (3) in return, bringing valuable assets (3) into the economic and financial system,• system administrator organization (2) that determines all the rules of the money-producing unit (1), ensures compliance with the gold (11 ) standards, creates management and decision-making mechanisms for the use of the money-producing unit (1), and also designs the operation of the moneyproducing unit (1), orders the production of money in the money-producingunit (1), accepts the valuable asset (3), creates the valuable asset (3) or attributes value to the valuable asset (3), supervises the money-producing unit (1), and manages its treasury (7),• interest-free credit system (13) that is included in the money-producing unit (1), that is integrated with the servers and databases owned by the moneyproducing unit (1) or can also work integrated with today's credit systems via servers, allows the credit recipient (14) to access interest-free financing through the tenant model and to obtain credit at a lower cost than today's credit systems, by using the currency (6) created by the money-producing unit (1) used upon request.• payment guaranteed check system (21) that is included in the moneyproducing unit (1), is integrated with the servers and databases owned by the money-producing unit (1) or designed to prevent fraud and bounced checks (22) by communicating with today's financial system through servers, is received from the check issuer (23) in case the check (22) created by the check issuer (23) cannot be paid and if requested, enables the creation of a credit by presenting the currency (6) created by the money-producing unit (1) used as guarantee (15) and secures the check recipient (24) by ensuring the payment of the check (22) with the credit created and prevents the issuance of a bounced check (22),• money production software (4) that communicates with the money-producing unit (1), runs on servers or databases or electronic devices located in the money-producing unit (1), and enables the creation of money by showing the physical mineral form of all kinds of precious metals, primarily gold (11), and the assets included in the money-producing unit (1 ) as valuable assets (3),• money-producing unit (1 ) that communicates with the money production software (4), has servers and databases, produces money, creates and manages the standards of the money produced, uses valuable assets (3) as gold (11 ), offers an interest-free credit system (13) and includes a payment guaranteed check system (21 ), ensures that the gold (11 ) equivalents of the mentioned valuable assets (3) and the information of all units are kept in the databases on it and can be used when desired.

2. The system that produces money by using the assets as precious metals according to claim 1 , characterized by comprising; a check limit (25) that defines the guarantee (15) value as the upper limit when creating a check (22), which can be created inreturn for the guarantee (15) created with the money-producing unit (1) and indicated by the said check issuer (23) within the payment guaranteed check system (21 ).

3. The system that produces money by using the assets as precious metals according to claim 1 , characterized by comprising; a check account (26) in which all information about individuals is kept, which enables the said check issuer (23) to create checks (22), receive checks (22) and manage all check (22) transactions, which communicates with the servers and databases owned by the money-producing unit (1 ) within the payment guaranteed check system (21).

4. The system that produces money by using the assets as precious metals according to claim 1 , characterized in that; the currency unit (6) produced by the moneyproducing unit (1) is called the Aoh dollar (9) in the money-producing unit (1) and in the financial and economic systems.

5. The system that produces money by using the assets as precious metals according to claim 4, characterized in that; the abbreviation for Aoh dollar (9), which is the currency used in the money-producing unit (1) and financial systems (6), is AOHD (10).

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