El acelerado crecimiento metropolitano y la ineficiencia estructural en la gestión de residuos sólidos urbanos representan desafíos críticos para la sustentabilidad global. Este informe de investigación presenta la evaluación técnico-financiera del sistema Monedero Ecológico®, un modelo de economía circular basado en un algoritmo de incentivos económicos cruzados que asigna activos digitales de valor comercial medible a la participación ciudadana en la recuperación de residuos. El modelo propone una operación autosustentable mediante la coinversión de corporativos privados, en el marco de reglas de operación públicas. El manuscrito analiza las métricas empíricas obtenidas a través de diversas vinculaciones institucionales con programas gubernamentales en México para examinar la viabilidad del sistema y su capacidad para optimizar el desvío de residuos hacia cadenas de valor formalizadas. Los resultados documentan la recuperación acumulada de 780 toneladas de residuos valorizables y una estimación de 1,129.62 toneladas de dióxido de carbono equivalente cuya emisión se evitó. Estos antecedentes respaldan su potencial de contribución a los Objetivos de Desarrollo Sostenible 11, 12 y 13; la autonomía financiera y la replicación a escala global requieren evaluaciones adicionales.

This paper presents a theoretical extension and empirical validation demonstrating how the allocation of direct, liquid micro-financial incentives—unified under the digital unit of account PECO (Peso Ecológico)—modifies individual agents' utility functions, achieving the large-scale internalization of negative macroeconomic externalities. In contrast to traditional environmental policies based on punitive fiscal coercion (Pigouvian taxes) or the classical assumption of civil action driven by "moral duty"—which historically generates high rates of cognitive friction and apathy—this study models a decentralized, closed, and collaborative market mechanism that operates through a Software as a Service (SaaS) architecture integrated with mass-consumption interfaces (WhatsApp and QR codes).Utilizing a 15-year empirical dataset of continuous field traction across an average of 3,000 families, which was formally audited by The Economist Intelligence Unit (EIU), we demonstrate that an economic nudge directly indexed to the physical mass of clean inorganic waste separated at the source alters the aggregate municipal recycling rate in a directly proportional manner, positioning urban mass efficiency above the continental average. This study mathematically models the intrinsic maturity mismatch of industrial operations, where wholesale processing and stockpiling require a 21-to-28-day cash conversion cycle, necessitating a minimum working capital reserve of USD $50,000 to prevent liquidity fractures when demand outstrips installed capacity.Finally, using mass balance coefficients from SEMARNAT, we show that the aggregation of these domestic micro-decisions optimizes the macroeconomic aggregates of planetary survival. This translates into strict reductions in virgin resource extraction, greenhouse gas mitigation, and the systemic preservation of finite hydrological basins. The model concludes by demonstrating the viability of expanding this protocol globally through flexible multi-currency denominations tied to local purchasing power parity, establishing a resilient institutional governance framework that proves ecological efficiency simultaneously generates private profitability and social welfare.