DREX Citizen: The Citizen as the Unit of the State

Subtitle: Psychopathology of the Brazilian State

1. Opening — Fractal, 17 years old

You send a Pix.

Instant.
No fee.
Direct.

It feels simple.

Now imagine:

what if all money in a country worked like that?

Born directly in the citizen.
Clear.
Traceable.
Grounded in real life.

The body feels something different:

control,
clarity,
belonging.

So the question appears:

what if the citizen were the origin of money?

2. Deepening

The Central Bank of Brazil has already shown, through the Pix, that a fast, low-cost, universal financial infrastructure is possible.

But Pix also triggered political resistance.

Segments of the political right spread claims that Pix would be taxed or used to control citizens.

The core issue, however, was different:

traceability.

Because when money becomes more traceable:

money laundering becomes harder,
tax evasion becomes harder,
illegal financial flows become more visible,
hidden power structures lose space.

So the debate was not about taxation.

It was about transparency.

Now enters DREX, Brazil’s central bank digital currency initiative.

And the resistance intensifies.

Because a retail CBDC can:

increase transaction traceability,
reduce opaque intermediation,
limit money laundering,
reduce illegal capital outflows (which today reach tens of billions).

This directly affects the “things of the rich.”

But there is another layer.

While parts of the right resist due to structural interests,
the left often fails to advance.

Why?

Because it remains tied to outdated economic frameworks.

It continues relying on financial-market-oriented economists, who tend to defend:

high interest structures,
financial concentration,
bank-centered money creation,
leveraged credit systems.

This blocks deeper transformation.

Because the real potential of DREX is not just digitalization.

It is redefining the origin of money.

Here emerges the central idea:

DREX Citizen.

A simple but radical proposal:

money should originate in the citizen.

This means:

every unit of money entering the economy would first exist as a citizen-based issuance,
the State nourishes the social body directly (like energy reaching cells),
financial markets operate on top of this base — not as its source,
speculative leverage loses its central role.

Today, a large part of money is created through financial mechanisms:

credit expansion,
leverage structures,
complex operations invisible to most people.

Recent cases involving medium-sized banks and credit structures illustrate how this model can create systemic fragility.

With a well-designed retail CBDC:

the flow inverts.

The citizen becomes the base.

The system reorganizes around real life.

This opens the possibility of a different form of capitalism:

not based on artificial scarcity,
but on distributed capacity to exist.

3. Metacognition

Now bring this inward.

When you think about money, what do you feel?

Scarcity?
Anxiety?
Dependence?

Now imagine:

money as part of your belonging to the State.

A minimum energetic base guaranteed.

An economy starting from you.

The body shifts.

From scarcity
to possibility.

But resistance appears:

“is this realistic?”
“would this break the system?”

This doubt matters.

Because it shows how deeply we are shaped by a model where:

money comes from above,
and people chase it.

DREX Citizen proposes the opposite:

money begins in the citizen,
and the system organizes around that.

So the question is not only economic.

It is existential:

what should be the center of the economy?

the market
or the “we”?

References in Didactic Order

Books

1. Thomas Piketty — Capital in the Twenty-First Century
   Explains how wealth concentration forms and persists over time.

2. Joseph Stiglitz — The Price of Inequality
   Shows how economic systems can favor elites and weaken collective welfare.

3. David Graeber — Debt: The First 5,000 Years
   Connects money, debt, and power across human history.

4. Mariana Mazzucato — The Entrepreneurial State
   Argues that the State can actively create value, not only regulate markets.

5. Coisa de Rico
   Highlights how elite structures operate within economic systems.

Post-2021 Publications and Studies

1. Central Bank of Brazil — DREX documents (2023–2025)
   Explain the design, goals, and potential of Brazil’s digital currency.

2. Bank for International Settlements — CBDC reports (2022–2025)
   Show how digital currencies can improve efficiency and transparency in financial systems.

3. International Monetary Fund — digital currency studies (2023–2025)
   Analyze macroeconomic impacts and risks of CBDCs.

4. World Bank — financial inclusion studies (2022–2024)
   Show how digital systems expand access to financial services.

5. OECD — financial transparency reports (2022–2024)
   Demonstrate how traceability reduces tax evasion and illicit financial flows.

6. Nature Human Behaviour — economic behavior studies (2023–2025)
   Show how perceived economic security affects decision-making and social behavior.