Accumulation

A question, and a gnat of a problem:

Assume an economic community wherein each person starts from a baseline, some agreed to fundamental minimum beneath which no one person or group of person can theoretically fall.

Assume also a "free labor market" where a person (or persons) can do whatever available work she pleases, remunerated according to the direct value produced by labor.

How would people store/record these personal receipts?

Labor banks?

And how would a community forestall the accumulation (and trade in) of un-expended labor credits, and perhaps the development of a monetary commodity of un-used labor value?

I know, I think, what the Soviets would do (and disagree). And in labor transactions mediated through capital, accumulation provides an engine, as an essential element.  Wrapping my head around the discouragement of accumulation, in even the most mutualist society, presents perhaps an insoluble problem, at least for now.