Copiosis accomplishes this goal by replacing money with a completely virtual form of currency called net benefit reward or NBR. NBR functions like money in that you can redeem it for luxury goods. But unlike money, NBR is only redeemable, not transferable. You and only you can redeem your NBR. When you redeem your NBR, it will cease to exist. Similarly, when you are awarded NBR, it isn’t transferred from someone else’s account. It is simply created from nothing in your account.               https://copiosis.com/