Civic Circles are voluntary barangay-level associations inspired by Economic Direct Democracy (EDD). They pool small DBK contributions and remittance flows into a Civic Development Fund. Members vote on community projects (clinics, water, solar, livelihood). Growsari and Packworks can serve as the digital backbone of these Civic Circles by embedding DBK wallets for merchants and patrons. This positions them not only as retail/fintech leaders, but as social infrastructure providers.