As a Common Good Community you and other members decide together when to spend, grant, lend, and/or invest some of the US Dollars members have put into their Common Good accounts, which are held in a Community Fund Dollar Pool in a bank.

Your Common Good Community must take care to keep enough money in the Community Dollar Pool to cover requests by members to move funds to their bank account, trading some of their Common Good Credits for US Dollars.

If you misjudge and use too much of the Community's Dollar Pool, you will have a short-term cash flow challenge until more US Dollars come in. The "backing" clause in the Common Good Agreement provides stability, so your Common Good Community can handle such challenges smoothly.