A revenue-producing,
charge card system also manages account balances to create an investment profit for the
card holder. A trust account has a trust-account balance reflecting a first amount of funds, is constructed to subsequently
record debits and credits related to the balance, and is constructed for access via
remote communication. A
bank account has a
bank-account balance reflecting an initial zero balance, is constructed to further
record debits and credits related to the balance, and is constructed for access via
remote communication. A
debit card is constructed for communication with the trust account and the
bank account, and a switch is in communication with the trust account and
bank account. The trust account and the
bank account are constructed for intercommunication via the switch so that a card user can pass debits and credits to the trust account through the
bank account so that the funds of the trust account can be managed via the trust account. There are also methods of producing revenue thorough a
charge card, a revenue-producing
machine for users who have bank accounts, and a revenue-producing, debit-card
system for a user who has a bank account that is connected to a trust-like structure combined with a
debit card connected to the trust-like structure. In addition, there is a controller, for a networked trust account and a networked bank account that are capable of communicating via a network, that maximizes revenue to the holder of both accounts, and a corresponding method. In addition, there is a principal-protected, revenue-producing investment
system, an international financial system, and a method of providing an alternative international fiduciary financial system.