LOVE TO is an ecosystem of mutual companies. We believe that improving ecology, health and wellbeing are among the most valuable activities on the planet. We partner with people who have invested their time, money and energy in these activities to turn the value into digital tokens that can be sold in financial markets.

Our products are designed for individual, corporate and institutional buyers anywhere in the world.

We can’t put a price on nature and wellbeing, because its value is immeasurable. What we can do is measure people’s effort and action to protect, improve and sustain nature. And we can put a value on that effort.

Currently, a lot of money is available internationally for funding ecological and social improvement, but there are few businesses scalable enough to meet this huge demand. And the honest truth is that a lot of the best work is done by individuals and small organisations who do it because they LOVE TO but are far too small to attract any significant financial reward.

LOVE TO enables individuals and small businesses that improve our environment and quality of life to benefit from this massive financial source.

We bring together large numbers of projects that are doing good, to become members of a Mutual Company. We have a system for verifying and accounting for the good work they have done and turning it into digital tokens so we can attract large-scale buyers.

This means that the grassroots people and projects that make a real difference can be financially rewarded for what they do, so they can all do more of it.

We are starting out by selling Bright Greens, which are digital tokens backed by certified ecological improvement.

We are offering them to the following markets:
- People who want to contribute to improving the environment
- Crypto and digital asset markets
- Companies looking for ESG assets
- Supply chain buyers

In future, we intend to bring Bright Greens to global commodities markets.

LOVE TO’s originators live in Australia and our Mutual companies are Australian companies. Our members and buyers can be based anywhere in the world.

The co-originators of LOVE TO are Tim Bennett and Sarah McCrum. They started working on LOVE TO in January 2017.

Our first Mutual Company, LOVE TO Be Bright Green, is partnering with Resource Consulting Services Pty Ltd, which is Australia’s leading regenerative farming consultancy.

We aim to bring in our first international producers in our Financial Year ending March 2024.

Mutuals are a traditional structure that are designed to last a long time and be stable. The most significant advantage is that they are owned by their members, not by shareholders, meaning they can't be manipulated or controlled by a few people at the expense of many.

At a minimum, three people. As public companies must have a minimum of three Directors, they would all be required to be Directors.

The overall number of members of the Mutual is not limited.

Until April 2019, Australian Mutual Companies could not issue Permanent Equity Securities (aka shares). The introduction of Mutual Capital Instrument legislation in April 2019 enabled this process. Many of Australia's largest Mutuals have changed or are changing their constitutions to issue MCIs. Our LivingShares are MCIs.

We expect there to be Mutuals for just about any beneficial activity you can imagine in the long-term. We are starting with LOVE TO Be Bright Green (for ecological improvement), which will be followed by LOVE TO Be Active (for people who improve their health and wellbeing by participating in sports).

You can join an Australian Mutual from any country in the world if your laws allow it.

Yes, as long as each Mutual is recognising and rewarding different beneficial activity.

Yes, LOVE TO's Mutuals are made for families. Depending on who has invested time, energy and/or money to generate ecological or wellbeing improvement, you can apply as a company, trust, partnership or individual. The idea is to reward those who have been directly engaged.

We look holistically at all the investments people have made of their time, money, skills, and other resources to produce a regenerative agricultural system on the land they manage or a healthy body and lifestyle. We use satellite and wearable data, photos and data supplied that provide evidence for their work. We ask them to complete a Producer Investment Evaluation (PIE) form online that will ask for details of the things they have done, as well as their commitment, plans and the case required to make regenerative farming or improving health and wellbeing practices viable and worthwhile for them.

The process begins with an invitation for a Producer to participate from a Local Trusted Agent (LTA) appointed by LOVE TO. This might be a regenerative farming consultancy, or your local sports club or event organiser.

You will be asked to provide evidence of your work (regenerative farming or participation in health and wellbeing activities) and complete a Producer Investment Evaluation form online.

We can then look back and evaluate the investments you have made and the work you produced retrospectively. How far we can go back varies in each Mutual. Currently we’re able to go back up to 30 years for regenerative farming. For sports activities, it will be a much shorter timeframe.

When we have all the details we need, we process it and produce a PIE Certificate with your overall score.

We believe that life has infinite value, and no "part" of life can be separated and valued in isolation in a meaningful way. Therefore, we measure improvement in physical and human ecosystems you contribute to, but we do not value natural capital itself (ie individual items of nature). We value the investment you have personally made instead and help you convert your intangible investment into a more tangible and saleable asset.

The process we use starts with a proposal made by you as a Producer. We look at that proposal and find the data that supports it.

Verification relies on the claimant making a valid and witnessed claim. It is observed and claimed progress. Usually, this is supported by Producer records, tests, charts, awards, photos and the like to support the proposal you have made.

In LOVE TO Be Bright Green Mutual we also include year by year historical satellite data to prove a change in vegetation cover and woody vegetation presence.

Partners in Partnerships are the primary receivers of Bright Greens. They are the grassroots people who protect and regenerate land.

The other receivers of Bright Greens are the producers’ advisers, LOVE TO Be Bright Green and any other partners, basically anyone who has contributed to producing the Bright Greens.

The system is designed so everyone wins together.

During the launch phase you will only be able to sell them privately if you arrange the sale yourself. Once the launch phase is completed we will upgrade our system to include the possibility to sell Bright Greens on our website, as well as buy them.

Yes, you can. Some can be sold immediately, and some will not be saleable until after your next review (usually 1 year later). This is called "escrow". We escrow one year's worth of Bright Greens earned. You own them and you can sell them after the review, provided we can verify that you have continued with regenerative farm management or health and wellbeing practices for the year. Your next claim for the following year will be certified and Bright Greens issued, and then they stay in escrow for a year, until the following review, and so on.

We recommend you start by emailing us to let us know of your interest in becoming a CAP. We will let you know when we are organising a webinar to provide more information.