I think that covers everything. I'll run you through the thinking behind it:Small Commonwealth Unified Currency Treaty
1. Any nation who has signed the General Membership Treaty may sign this Small Commonwealth Unified Currency Treaty, provided they gain approval from existing signatories.
2. An applicant to this treaty shall be considered by existing signatories. If, within a week, no existing signatory objects, the new nation shall be able to sign this treaty and issued starting currency as explained below.
3. All signatories to this treaty have a unified currency, and share a unified bank. Any participant in the economy of a signatory nation may make economic transactions with participants of any other signatory nations without restrictions, fees or tariffs.
4. Each signatory nations reserves the right to refer to the currency by whatever name they want. This does not make their currency different from the unified currency, and all the names are assumed to have a 1:1 exchange ratio.
5. Participants within this unified currency shall register their accounts in a particular signatory nation, or region thereof. By registering with that nation, participants' accounts are subject to any economic regulation or taxation of that nation, but not of any other nation.
6. The initial-initial distribution shall be as follows: Shireroth shall retain all its current currency. Gralus shall retain all its current currency.
7. After the initial-initial distribution, no currency can be created or destroyed by the signatory nations. However, each new signatory nation is entitled to create currency for an initial distribution among citizens of that country, under the following conditions:
a. They shall count how many citizens they have who do not currently hold accounts via any existing signatory nation.
b. They shall be entitled to 10 000 units of currency per citizen counted in this manner, to be distributed as they see fit.
8. There shall be an administrator of the bank, with the power to change the region of accounts as required; to create currency for new signatory nations; and to enforce taxation.
9. This administrator shall be elected by the signatory nations. At any time the administrator may be removed by a 2/3 vote of no confidence in the administrator, at which time a new administrator shall be elected by the signatory nations.
10. Should a signatory nation withdraw from this treaty, due to death or otherwise, all currency held in accounts registered in that nation shall be removed.
Primarily, this is to unite the currency of Shireroth, Gralus and Nelaga. But I've left it open as a Small Commonwealth treaty in case others want to join. The more the merrier, and the more demand for goods. Unified Currency = we all use the same currency in the same bank. No nasty exchange rates, no having to change money between banks - just a unified currency, and thus, a unified economy.
New nations have to be approved by past nations, but instead of requiring a percentage of votes, each existing nation effectively has a veto, which they can use or ignore. Stops inappropriate people joining, but doesn't let it be held up by not every nation being active enough to notice.
There are no tariffs or restrictions or other costs for citizens to transact between nations. It makes things so much easier if we do this, and frankly, if we all want our overall economy to succeed, having tariffs or restrictions is just stupid. Technically a nation could offer to subsidise purchases by its citizens if it really wanted, but that seems stupid. Individual shop keepers can of course charge less to locals, if they want.
We can all call the currency our own name (to avoid disputes on what to call it), but its all the same currency, really.
People have to register their account in a particular country, so if they're dual cits (like me) they have to choose which country to register in. Since Gralus is going for no taxes, Nelaga will have no taxes, and I'd prefer Shireroth to have no taxes, that makes everything easy. But if in the future people wanted to do taxes, or needed emergency taxes for liquidity or the like, you can only tax accounts registered in your country. That's a simple solution of the problem of dual cits being overly taxed. Yes, if only one nation taxes dual cits will register their accounts in other nations, but I consider that a far lesser evil than trying to arrange a unified tax system or anything like that. (And a nation can always refuse to pay out government money to those who don't pay taxes to them, if they like).
Shireroth will have its 100 000 erb as it already does. We have (I counted) about a dozen citizens active in the economy at the moment. Drop me and that's almost 10. Gralus already has agreed how it'll distribute it's currency (200 000) among its citizens. It has almost 20 who will be active there. So that means that adding new nations in at 10000/new citizen should be about fair. I emphasise new because there's no point paying dual cits again, especially if they're not being taxed twice. So, Gralus and Shireroth come in as is, and Nelaga will join at the start, but have their currency calculated under section 7 (ie Bill and Harvey aren't in the Shirithian or Gralan economies, so Nelaga will get 20 000, and probably retain a lot of that for government capital). You may well ask, given my prior vocal objections to adding more currency in, why I allow this addition of currency? It's because each new nation that joins brings new citizens, and so its fair to add in new currency for a significant increase in population. It also makes it easier than trying to take money off existing accounts to pay them. Note that if a nation goes under, all their currency is removed, so it stays relatively fair.
Finally, I included bank admin in the treaty. I assume I'll remain admin (can't forsee any major objections to that).
So, any comments, concerns or suggested changes? I wrote this up fairly quickly and probably some of it could be worded better, but I think all the important meaning is there.
. It's been too long (read: forever) since I have served under a Kaiseress.
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. That should do it. 
