A while ago I wrote about sovereign bonds
http://www.sovecomo.ru/post/2021/04/24/Financing-the-sovereign-economy-with-sovereign-government-bonds

Lately I have been looking at various informal credit systems.

I believe that a mix of charity donations, crowd funding, P2P micro credit and angel venture funding could be interesting:

-Charity donations could be directed to public institutions like museums, libraries, schools or charitable organizations
-Crowd funding could be best for support of interesting inventions and ideas
-P2P micro credit is best for existing small businesses
-Angel funding is for more start-ups with high technical potential.

A system containing all of these options could broker both sides and direct money where it is best needed. Donors of any type could propose/bid for each venture and receivers could accept a mix of any type of offer.