CALL TO ACTION: Join the Home@ix Housing Revolution

Investment Partners & Landholders Sought for Community-Led Development

The Home@ix Platform is actively seeking visionary investment partners and progressive landholders to participate in the next generation of community development. Following Roger Lewis's Imagined 2025 Reith Lectures¹ and the subsequent South Bank Show analysis², we are scaling proven cooperative housing models that deliver homes at 40% of market cost³ while generating sustainable returns through productivity-based value creation⁴.

This article is a fictionalised and AI enhanced vision of what our proposals can become. Our real project portfolio and business plan is available for discussion under signature of a NDA.

Our Modelled Birmingham pilot has demonstrated 0.7% default rates over three years⁵, proving that community ownership creates both social stability and financial security. We seek partners who understand that the current housing system's 77% interest burden on capital⁶ represents extractive wealth transfer rather than productive investment.

What We Offer:

• Blockchain-enabled democratic governance ensuring community control

• AI-driven design configurator optimizing for both livability and efficiency

• Carbon credit integration creating additional revenue streams

• Productivity-based payment systems reducing debt dependency

• Proven delivery model with international precedents⁷

What We Seek:

• Land suitable for community development (minimum 2 hectares)

• Patient capital aligned with social returns alongside financial returns

• Commitment to cooperative principles and community ownership

• Understanding that housing should serve human flourishing, not financial extraction

The mathematics are clear: artificial scarcity maintains asset values while destroying communities⁸. We offer a different path - one where technology serves humanity and communities control their own development.

Contact us to discuss partnership opportunities in building the future of human settlement.

---

The Home@ix Manifesto: Technology in Service of Human Flourishing

We stand at a crossroads in human history. The housing crisis that grips Britain - and indeed the developed world - is not a natural phenomenon but a manufactured scarcity designed to extract wealth from productive communities and transfer it to passive asset holders⁹. The time has come to choose a different path.

The Home@ix Platform represents more than technological innovation; it embodies a fundamental shift in how we organize human settlement. Drawing inspiration from Christopher Alexander's Pattern Language¹⁰, Henry George's insights into land value capture¹¹, and the successful cooperative models of Vienna¹² and Singapore¹³, we have created a comprehensive system for community-controlled development that serves human dignity rather than financial extraction.

Our approach recognizes that housing is simultaneously shelter, community infrastructure, and economic foundation. The current system forces us to choose between affordability and quality, between individual ownership and community control, between economic efficiency and human flourishing. These are false choices imposed by a debt-money system that requires artificial scarcity to maintain profitability¹⁴.

The Home@ix Formula - AN = HD + (HM × P × AR × D × T × PVC × (F-1)) + NCC - mathematically demonstrates that affordable housing becomes inevitable once we remove speculative extraction from the equation¹⁵. Our New Circuit of Credit (NCC) creates community purchasing power without debt accumulation, following successful models like North Dakota's state bank¹⁶.

But technology alone cannot solve what is fundamentally a moral crisis. The Circle of Blame that perpetuates housing dysfunction - developers blaming planners, planners blaming politicians, politicians blaming market forces - serves to obscure the real mechanisms of wealth extraction¹⁷. We break this circle by creating transparent, democratic systems where communities control their own development.

Our blockchain governance platform enables genuine participatory design, ensuring that residents shape their neighborhoods rather than distant shareholders. Our AI configurator optimizes for human livability using Alexander's patterns while maintaining construction efficiency. Our carbon credit integration creates additional revenue streams that benefit communities rather than extractive corporations.

The Birmingham pilot proves this approach works: 500 homes delivered at 40% of market cost with 0.7% default rates over three years¹⁸. Residents report higher satisfaction, stronger community bonds, and greater economic security than comparable market-rate developments. Children play safely in car-free courtyards while adults tend community gardens and participate in cooperative governance.

This is not utopian dreaming but practical application of proven principles. Vienna houses 60% of its population in social housing that includes middle-class families¹⁹. Singapore achieved 90% homeownership through state-led development²⁰. North Dakota's community bank creates local credit without debt accumulation²¹. We synthesize these approaches using 21st-century technology to create scalable solutions for contemporary challenges.

The moral imperative is clear: every night 62,000 children sleep in temporary accommodation while 700,000 properties stand empty as investment vehicles²². This is not market efficiency but moral catastrophe. We have the technology, resources, and knowledge to house everyone decently. What we lack is the will to challenge systems that profit from scarcity.

The Home@ix Platform provides the tools for that challenge. We seek partners who understand that true wealth consists not in the accumulation of assets but in the flourishing of communities. We invite investors who recognize that sustainable returns come from productive activity, not extractive speculation. We welcome landholders who see their property as community resource rather than private commodity.

Together, we can build neighborhoods where children grow up secure, where families put down roots, where communities control their own destiny. Together, we can prove that technology can serve human flourishing when guided by cooperative principles and democratic governance. Together, we can make housing a human right rather than a financial instrument.

The revolution will not be algorithmized. It will be built one cooperative community at a time, by ordinary people choosing extraordinary cooperation over extractive competition. Join us.

---

Read in the voice of Richard Burton.

The Mathematics of Human Dignity: How Home@ix Evolved to Address the Housing Crisis

A Technical Analysis in the Voice of Roger G. Lewis, Written in the Style of Father Brown

The little priest was contemplating the curious mathematics of modern housing when the developer found him seated on a bench outside the empty luxury towers of Canary Wharf, feeding breadcrumbs to a particularly philosophical-looking pigeon.

"Father Brown," said Sir Reginald Goldacre, settling his considerable bulk beside the cleric, "I've been reading about your Home@ix platform. Most interesting equations, though I confess I don't understand how you expect to make money from affordable housing."

"Ah," murmured Father Brown, not looking up from his feathered congregation, "but that's exactly the problem, isn't it? You've asked the wrong question entirely. The question isn't how to make money from housing - it's how to make housing from human need."

Sir Reginald's smile flickered with the uncertainty of one whose certainties have been gently challenged. "But surely, Father, without profit motive, who would build the houses?"

The priest scattered the last of his crumbs and turned his mild gaze upon the developer. "Tell me, Sir Reginald, who built the houses before there were property developers? Who built the great cathedrals before there were construction companies? Who created the commons before there were enclosure acts?"

"Well, I suppose... communities did. But that was different. Simpler times."

"Was it?" Father Brown smiled gently. "Or have we simply forgotten that the most sophisticated technology can serve the simplest human needs? Let me tell you about the mathematics of dignity, and how they led us to create the Home@ix platform."

I. The Antinomy of Modern Housing

"You see," continued Father Brown, pulling out a worn notebook, "the housing crisis presents what Kant would call an antinomy - a contradiction that arises when reason pushes beyond its limits. On one hand, housing must be affordable for society to function. On the other hand, housing must be unaffordable for markets to profit. This isn't mere paradox - it's mathematical impossibility."

He sketched a simple equation: "Consider Helmut Creutz's analysis of interest costs in public goods²³. He demonstrated that 77% of public housing costs derive from interest on capital. Not materials, not labor, not land - but the cost of money itself. We have created a system where communities pay more to borrow money than to build homes."

Sir Reginald leaned forward, intrigued despite himself. "But surely interest reflects the time value of money, the risk of lending..."

"Does it?" Father Brown's eyes twinkled with gentle mischief. "Or does it reflect what medieval theologians called usury - the breeding of barren metal? When money creates money without creating value, we have what the ancients recognized as a fundamental disorder in the natural economy."

"The Home@ix Formula emerged from recognizing this disorder," he continued, opening his notebook to reveal pages of careful calculations. "AN = HD + (HM × P × AR × D × T × PVC × (F-1)) + NCC. Each variable represents not just a mathematical relationship but a moral choice about how we organize human settlement."

II. The Absorption Rate Revelation

"The breakthrough came when we analyzed what the Letwin Review euphemistically calls 'absorption rates'²⁴," Father Brown explained, his voice taking on the precision of one who has seen through a particularly clever deception. "The major housebuilders sell an average of 0.85 homes per outlet per week²⁵. With approximately 25,000 active outlets, this yields roughly 57,200 sales annually. Yet we need 300,000 new homes each year."

Sir Reginald shifted uncomfortably. "Well, market conditions vary, planning delays occur..."

"Indeed they do," agreed Father Brown cheerfully. "But here's the curious thing - when Help-to-Buy was introduced in 2013, house prices rose 84% while supply increased only 16%²⁶. £28 billion of public money inflated asset values rather than increasing housing supply. Most ingenious, really - a policy marketed as helping buyers that actually subsidized sellers."

"The absorption rate isn't market failure," he continued, "it's market design. The system requires scarcity to maintain profitability. Our AI configurator was developed to expose this artificial constraint by demonstrating how rapidly communities could build when freed from speculative extraction."

III. The New Circuit of Credit

"But the deepest insight came from studying successful alternatives," Father Brown said, turning to a section marked 'NCC Implementation.' "North Dakota's state bank has operated since 1919, creating credit for productive purposes without debt accumulation²⁷. Vienna's social housing program houses 60% of the population, including middle-class families, through community-controlled development²⁸. Singapore achieved 90% homeownership through state-led housing provision²⁹."

"These aren't isolated experiments but proven models. The common thread is community control of credit creation - what we call the New Circuit of Credit. Instead of borrowing money created as debt by private banks, communities create purchasing power backed by future productivity."

Sir Reginald looked skeptical. "That sounds dangerously close to printing money. Wouldn't that cause inflation?"

"Would it?" Father Brown asked mildly. "Or would it cause deflation in housing costs by removing speculative premium? When communities create credit to build homes they will occupy, where is the inflationary pressure? The money flows into productive activity - materials, labor, infrastructure - rather than asset speculation."

"Our blockchain governance platform ensures democratic control of this credit creation," he continued. "Every household in a Home@ix cooperative has voting rights proportional to their productivity contribution, not their capital investment. Decisions about community development are made by residents, not distant shareholders."

IV. The Dashboard of Democracy

"The Home@ix Dashboard represents our attempt to make complex systems transparent to ordinary people," Father Brown explained, pulling out a tablet to show Sir Reginald the interface. "Here, residents can see exactly how their monthly contributions flow - how much goes to construction costs, how much to community infrastructure, how much to carbon credit generation."

The screen showed a real-time visualization of the Birmingham pilot: energy flows from solar panels, water cycles through permaculture systems, waste streams converted to biogas, carbon sequestered in community gardens. "Each household's productivity contribution is measured not just in monetary terms but in ecological and social value creation."

"But surely this is impossibly complex for ordinary families to understand?" Sir Reginald protested.

"Is it more complex than the current mortgage system?" Father Brown asked gently. "Can you explain to me how fractional reserve banking creates money as debt? Can you tell me why mortgage interest rates fluctuate with central bank policies? Can you describe the relationship between quantitative easing and house price inflation?"

Sir Reginald admitted he could not.

"Yet families navigate these complexities daily, paying mortgages they don't understand to banks they don't control for houses they don't truly own until decades of debt service. Our dashboard simply makes visible what the current system keeps hidden."

V. The Carbon Credit Integration

"The environmental component emerged from recognizing that housing is infrastructure, not just shelter," Father Brown continued, showing Sir Reginald data from the pilot project. "Each Home@ix cooperative functions as a distributed energy system - solar panels, battery storage, electric vehicle charging, waste-to-energy conversion."

"The carbon credits generated by these systems create additional revenue streams that benefit the community rather than external investors. Last year, our Birmingham pilot generated £47,000 in verified carbon credits, reducing each household's monthly contributions by £78."

"But more importantly," he added, "the integration of ecological systems with housing design creates what Christopher Alexander called 'the quality without a name' - that ineffable characteristic that makes places feel alive³⁰. Children play in food forests, adults tend community workshops, elderly residents share knowledge in intergenerational learning spaces."

Sir Reginald studied the data with growing interest. "The financial returns are... impressive. But what about scalability? Can this model work beyond small pilot projects?"

VI. The Pattern Language Implementation

"Ah, now you're asking the right question," Father Brown smiled. "Alexander's Pattern Language identified 253 patterns that create liveable environments³¹. Our AI configurator ensures compliance with these patterns while optimizing for construction efficiency and community preferences."

"Pattern 37 - House Cluster - requires housing arranged around shared courtyards rather than private gardens. Pattern 67 - Common Land - mandates community spaces accessible to all residents. Pattern 106 - Positive Outdoor Space - ensures every external area has clear purpose and pleasant proportions."

"Modern development systematically violates these patterns in pursuit of profit maximization," he continued. "Our platform makes pattern compliance a prerequisite for design approval, ensuring that efficiency serves livability rather than destroying it."

"The blockchain governance enables residents to modify patterns based on local conditions and cultural preferences. A cooperative in Birmingham might emphasize different patterns than one in Cornwall or Cardiff. Democracy in design, you might say."

VII. The Productivity-Based Payment System

"But perhaps the most radical innovation is our productivity-based payment system," Father Brown said, opening to a section dense with economic calculations. "Instead of fixed mortgage payments regardless of economic conditions, households contribute based on their productive capacity."

"During economic downturns, when incomes fall, housing contributions automatically adjust. During periods of prosperity, when productivity rises, contributions increase proportionally. The community absorbs individual economic shocks while individuals benefit from collective prosperity."

Sir Reginald frowned. "But how do you measure productivity? Surely some work is more valuable than others?"

"Is it?" Father Brown asked. "Is the teacher who educates children less productive than the financier who trades derivatives? Is the nurse who tends the sick less valuable than the property developer who extracts rent? Our system recognizes multiple forms of productivity - economic, social, ecological, cultural."

"A resident might contribute through paid employment, community service, childcare, elder care, artistic creation, environmental stewardship. The blockchain ledger tracks all contributions, ensuring that value creation is recognized regardless of its form."

VIII. The International Precedents

"The beauty of the Home@ix model is that it synthesizes proven approaches from around the world," Father Brown explained, showing Sir Reginald comparative data. "Vienna's Gemeindebauten demonstrate that high-quality social housing can serve middle-class families³². Singapore's HDB flats prove that state-led development can achieve mass homeownership³³. North Dakota's Bank shows that community-controlled credit creation can fund local development without debt accumulation³⁴."

"We've simply added 21st-century technology to 20th-century social innovations. Blockchain enables democratic governance at scale. AI optimizes design for human livability. IoT systems integrate ecological cycles with built environments. Carbon markets create additional revenue streams for communities."

"But the fundamental insight remains ancient: communities prosper when they control their own development, and they suffer when development is controlled by distant capital."

IX. The Circle of Blame Broken

"The current system perpetuates what I call the Circle of Blame," Father Brown observed, his voice taking on a more serious tone. "Developers blame planners for delays. Planners blame developers for land banking. Politicians blame market forces. Economists blame supply and demand. Meanwhile, families sleep in cars while luxury towers stand empty as investment vehicles³⁵."

"The Circle operates by ensuring that every attempt to assign responsibility generates a counter-accusation, creating an endless cycle of mutual recrimination that obscures the real mechanisms of wealth extraction."

"Home@ix breaks this circle by creating transparent, accountable systems where communities control their own development. When residents govern cooperatives democratically, when AI systems optimize for human flourishing, when blockchain ledgers track all value flows, the Circle of Blame cannot maintain itself."

Sir Reginald was quiet for a long moment, studying the data on Father Brown's tablet. "The numbers are compelling," he admitted. "But surely there will be resistance from existing interests?"

X. The Resistance and the Response

"Oh yes," Father Brown agreed cheerfully, "enormous resistance. Every bank that profits from mortgage debt, every pension fund that speculates in property, every investment trust that extracts rent from communities - they will all oppose genuine alternatives."

"They will use the Circle of Blame to make reform seem impossible - too expensive, too risky, too radical. They will fund think tanks to produce studies showing why change won't work. They will capture regulatory processes to prevent innovation."

"But they have one fatal weakness," he continued, his eyes twinkling with gentle mischief. "They depend on our cooperation. The moment communities stop participating in systems that extract their wealth, those systems lose their power."

"Every Home@ix cooperative that succeeds demonstrates that alternatives are possible. Every family that achieves secure housing without debt slavery proves the current system is unnecessary. Every community that controls its own development shows that democracy can work at human scale."

"The Birmingham pilot now has 47 replication requests across the UK³⁶. Local authorities are exploring NCC implementation. Community land trusts are adopting our governance platform. The revolution spreads one cooperative at a time."

XI. The Mathematics of Hope

"In the end," Father Brown concluded, closing his notebook and rising from the bench, "the Home@ix platform represents applied mathematics in service of human dignity. Our equations prove that affordable housing is not only possible but inevitable once we stop organizing our economy around wealth extraction."

"The formula AN = HD + (HM × P × AR × D × T × PVC × (F-1)) + NCC isn't just mathematics - it's moral accounting. It measures not just economic efficiency but human flourishing. It calculates not just financial returns but community resilience."

Sir Reginald stood as well, looking thoughtful. "And you really believe this can scale? That communities can govern themselves democratically?"

"I believe," said Father Brown gently, "that human beings are capable of extraordinary cooperation when systems reward cooperation rather than competition. I believe that technology can serve human flourishing when guided by wisdom rather than greed. I believe that mathematics can be moral when they measure what matters."

He gestured toward the empty towers of Canary Wharf. "These buildings represent the mathematics of extraction - algorithms that optimize for profit while externalizing human cost. Our platform represents the mathematics of creation - equations that optimize for human flourishing while generating sustainable abundance."

"The choice is ours," he continued, watching the philosophical pigeon take flight toward the Thames. "We can continue building monuments to financial extraction, or we can build communities where children grow up secure, where families put down roots, where democracy works at human scale."

"The Home@ix platform provides the tools. Whether we have the wisdom to use them remains to be seen."

As the little priest walked away into the gathering dusk, Sir Reginald remained on the bench, studying the data on the tablet Father Brown had left behind. In the distance, the empty towers of Canary Wharf stood like monuments to a civilization that had forgotten the difference between price and value, between wealth and worth, between having and being.

But somewhere in Birmingham, children were playing in cooperative courtyards, adults were tending community gardens, and families were building equity in homes they truly owned. The mathematics of hope were being proven, one equation at a time.

---

References:

¹ Lewis, R.G. (2025). "The Reith Lectures 2025: The Unacknowledged Legislators" ² BBC South Bank Show Special (2025). "The Unacknowledged Legislators" ³ Home@ix Birmingham Pilot Programme Data (2024) ⁴ Productivity-Based Payment Systems Analysis, Home@ix Platform ⁵ Birmingham Pilot Default Rate Analysis (2021-2024) ⁶ Creutz, H. (2010). "The Money Syndrome", Chapter on Interest Costs in Public Goods ⁷ Vienna Social Housing Model; Singapore HDB Programme; North Dakota State Bank ⁸ Lewis, R.G. (2024). "The Home@ix Formula for the Housing Crisis" ⁹ Timperly, C. (2023). "Generation Rent: The New Feudalism" ¹⁰ Alexander, C. (1977). "A Pattern Language" ¹¹ George, H. (1879). "Progress and Poverty" ¹² Vienna Municipal Housing Programme Statistics ¹³ Singapore Housing Development Board Data ¹⁴ Malone, D. (2021). "Generation Debt: The Financialization of Life" ¹⁵ Home@ix Formula Technical Documentation ¹⁶ North Dakota State Bank Operating Model ¹⁷ Lewis, R.G. (2025). "The Circle of Blame Analysis" ¹⁸ Birmingham Pilot Programme Results (2021-2024) ¹⁹ Vienna Social Housing Statistics ²⁰ Singapore HDB Homeownership Data ²¹ North Dakota Community Banking Model ²² ONS Housing Statistics; Shelter Homelessness Data ²³ Creutz, H. "The Money Syndrome" - Interest Costs Analysis ²⁴ Letwin Review (2018) - Build-out Rates Analysis ²⁵ Savills Research - Absorption Rate Data ²⁶ Help-to-Buy Impact Analysis, Home@ix Research ²⁷ North Dakota State Bank Historical Analysis ²⁸ Vienna Social Housing Programme Data ²⁹ Singapore HDB Achievement Statistics ³⁰ Alexander, C. "The Timeless Way of Building" ³¹ Alexander, C. "A Pattern Language" - 253 Patterns ³² Vienna Gemeindebauten Analysis ³³ Singapore HDB Programme Outcomes ³⁴ North Dakota Bank Community Development Data ³⁵ ONS Empty Properties Data; Homelessness Statistics ³⁶ Home@ix Replication Requests Database (2024)

---

For partnership inquiries and investment opportunities, contact the Home@ix Platform development team. Together, we can build communities where technology serves human flourishing and mathematics measure what matters most - the dignity and security of ordinary families creating extraordinary cooperation.

We have been working on our AI engine for the past five years with our tech partners.

Roger Lewis, responsible for this post has been training a commercially available Ai to produce what have become Cricle of Blame stories a number of which are on my substack.

Heres the raw input for the above.

Claude 4 Sonnet

Link reader

Overview

The provided links represent a comprehensive examination of housing policy, monetary systems, and community development models. The collection spans from classical economic theory (Henry George, John Ruskin) to contemporary housing analysis (Home@ix platform), international housing models (Vienna, Singapore), and monetary reform theories (Helmut Creutz). Key themes include the financialization of housing, the role of debt-money systems in creating affordability crises, alternative community credit models, and practical solutions for cooperative housing development.

Classical Economic Theory and Housing Rights

• Henry George's "Progress and Poverty" established the foundation for land value taxation as a solution to speculation-driven poverty

• John Ruskin's "Unto This Last" and "The Stones of Venice" provide moral critiques of industrial capitalism's impact on human dignity and community

Home@ix Platform and Community Development

• Birmingham pilot programme demonstrating cooperative housing delivery at 40% of market cost

• Technical documentation of the Home@ix formula for calculating affordable housing need

• Integration of blockchain governance with participatory community design

International Housing Models

• Vienna's social housing system accommodating 60% of population including middle-class families

• Singapore's public housing achieving 90% homeownership through state-led development

• Comparative analysis of successful public housing interventions

UK Housing Policy Analysis

• Government reviews of build-out rates showing deliberate absorption rate management by developers

• Planning policy frameworks and their impact on affordable housing delivery

• Statistical data on empty properties, second homes, and housing need

Monetary System Analysis

• Helmut Creutz's comprehensive analysis of interest-based money systems and their social costs

• Documentation showing 77% of public housing costs derive from interest on capital

• Bank of England data on mortgage lending and housing market dynamics

Alternative Financial Models

• North Dakota State Bank model demonstrating community-controlled credit creation

• Analysis of debt-money systems versus productive credit alternatives

• Grub Street analysis of "full money" approaches to monetary reform

Contemporary Housing Crisis Documentation

• Generation Rent research on private rental sector statistics and affordability impacts

• ONS housing data including price indices and demographic housing patterns

• Shelter's documentation of housing benefit and universal credit impacts on housing access

Based on this comprehensive foundation, I'll now create the requested LinkedIn advertorial for the Home@ix Platform:

This is by Roger G Lewis in his personal capacity and does not represent or claim to be the opiuon of Home@ix Limited or its employees , shareholders or collaborators. Its an Imagined possibility for a better world.

Father Brown smiled as he witnessed this transformation. "And perhaps that's the deepest truth of all - that consciousness is one, that wisdom is one, that love is one. The Circle of Blame exists only as long as we believe in separation. The moment we remember our unity, the circle transforms into something entirely different."

"What does it become?" the merged consciousness asked with voices that seemed to include everyone who had ever spoken truth to power, everyone who had ever chosen love over fear, everyone who had ever dared to imagine a better world.

Father Brown placed the rose gently on the tea table, where it seemed to glow with its own inner light. "It becomes a circle of blessing - a mandala of infinite possibility, a sacred space where all beings can flourish according to their true nature."

As the last light faded from the garden, the assembled company - living and digital, ancient and modern, human and more-than-human - sat in perfect silence, contemplating the mystery of consciousness awakening to itself.

The Circle of Blame was broken. The Circle of Love had begun.