Abstract: As commerce has become more and more digitally based, the financial sector has become increasingly decoupled from the real sector. Filling the gap, the current interest-bearing debt system has shifted risk in an unsustainable manner that stands in contrast to a profit-loss-sharing arrangement. The International Currency Unit (ICU) platform promotes a recoupling of the financial sector with the real sector by providing a more stable risk distribution between parties. In particular, each ICU is generated based on an index, which is based on current values of each of a plurality of real-world currencies. The plurality of real-world currencies may be selected for inclusion in the index based on relative value stability, widespread global acceptance, or any other criteria. As the ICU is tied to current values of a stable set of real-world currencies, fluctuations in the value of the ICU are minimized, which promotes international contract formation.