This paper proposes a constitutional order for monetary and credit governance in which the life-sequence of value normatively rules the money-sequence of value. The framework synthesizes John McMurtry’s Life-Value Onto-Axiology (LVOA) with Kate Raworth’s Doughnut Economics and John Fullerton’s regenerative principles, while operationalizing economic policy through Modern Monetary Theory (MMT) and the complementary stock-and-flow analyses of Steve Keen (private-debt stocks) and Richard Werner (credit-flow composition). The central mechanism is a binding Life-Value Impact Assessment (LVIA) that screens all major fiscal, monetary, and prudential actions for their effects on universal life necessities within ecological ceilings. Operational feasibility is disciplined by a Resource Board that paces injections to real capacity and biophysical thresholds. Stability and allocation are ensured by a targeted household debt jubilee (stock correction) and a prudentially embedded credit-guidance taxonomy (flow steering), supported by a public development bank. A quarterly dashboard — Life-Value Index, Debt Harm Index, Credit Map, Resource & Inflation Map, and Distributional Accounts — closes the loop from evidence to policy adjustment. Sectoral applications (health, education, housing, energy/food) illustrate how civil-commons provisioning becomes the explicit end of macro-finance. The result is an enforceable architecture that reconciles normative universality with plural ends-in-life, aligns money creation with regenerative design, and measures success by sustained advances in access to universal life necessities within planetary boundaries.
