ANOA — Essay XV: The Axiomatic Theory of Distributed Monetary Circulation in AI-Native Economies

ANOA — Essay XV: The Axiomatic Theory of Distributed Monetary Circulation in AI-Native Economies This independent theoretical research manuscript develops an axiomatic and technology-neutral framework for monetary circulation in AI-native economies characterized by autonomous economic agents, federated infrastructures, endogenous bank credit, and heterogeneous monetary institutions. The study distinguishes monetary creation, payment instructions, agentic asset allocation, inferential market access, liquidity provisioning, and legally final settlement. It develops stock-flow-consistent accounting constructions and conditional propositions addressing commercial bank money creation, interbank settlement, foreign-exchange transactions, collateral constraints, synchronized agentic payment demand, and network-dependent monetary policy transmission. A central contribution is the separation of programmable money, conditional payments, programmable settlement infrastructures, and mandate-bound agentic spending. The manuscript compares conventional banking infrastructures, central bank digital currencies (CBDCs), tokenized deposits, stablecoins, federated non-DLT systems, and blockchain-based architectures without presuming that AI-native economic coordination requires a new universal currency or a mandatory distributed ledger. The research integrates conceptual foundations from the ANOA and HomeSelf Research corpus, including global protocol federalism, distributed macroeconomic equilibrium, cyber-physical stability, computational production, systemic resilience, inferential scarcity, and agentic asset allocation. Its constitutional framework emphasizes human sovereignty, monetary pluralism, institutional accountability, lawful settlement, contestable economic access, and technological proportionality. The mathematical results are conditional on explicitly stated accounting, institutional, and behavioral assumptions. The manuscript does not claim empirical validation, regulatory authorization, institutional endorsement, or the issuance of a new monetary instrument. Research status: Independent theoretical working paper, not peer reviewed. Author: Marco PatroneResearch framework: ANOA — AI-Native Organizational ArchitectureDOI: 10.5281/zenodo.24050230