GoMoneyMiles is SBCTA's VMT mitigation bank for San Bernardino County, built with HNTB and verified by GoCarma. The wallet logs the trip a driver didn't make, by transit, carpool, bike, walk, or telework, and turns it into a verified credit. Developers and agencies buy those credits to offset the traffic impact of new projects, the same way they buy carbon offsets. It's the first VMT mitigation bank in the United States.
California's SB 743 requires every new development to mitigate its traffic — measured in vehicle miles traveled. For two decades that mitigation has been a paper exercise: scoping reports, transportation demand-management plans, modeled estimates. The San Bernardino VMT Mitigation Bank is the first place where developers buy verified VMT reduction the way they buy carbon offsets.
The supply side: drivers who reduce solo trips earn verified VMT-reduction credits, paid by the bank in real dollars. The demand side: developers and agencies purchase those credits to satisfy mitigation requirements for new projects. The market: matched, monitored, and audited by SBCTA — the regional transportation authority.
Trip-level verification is what makes a credit real. Without it, every credit is just an estimate. With it, every credit is a trip that didn't happen, measured, attributed, and settled.
GoMoneyMiles is a live operating programme in San Bernardino County. Credits are earned on real trips and settled in real dollars. The system is paying rewards, generating credits, and growing both sides of the market in parallel.
Every credit in the SBCTA bank traces back to a specific trip the wallet would have logged — and didn't. That's the difference between this market and the modeled-mitigation systems it's replacing.
The verification layer. Every trip, every reduction, every credit traces to the GoCarma app's trip-level data. That's what turns the bank from a modeling exercise into a market.
The programme is live. The path from here is straight: scale the supply side with more participants generating more credits, build the demand side with developers and agencies as steady buyers, and certify the credits at a level state and federal regulators can accept as mitigation currency.
Three views from the live SBCTA VMT Bank participant app — the commute logger, a credit-earning trip, and the rolling earnings tally against the baseline.
