Community Currency is not crypto hype. It's grandma's babysitting circle, the farmer's market token, the time bank that fixed Mrs. Alvarez roof — real money for real neighbours. Learn how mutual credit keeps wealth where love lives.
● Brixton Market — accepts B£ + Time Credits
Time Bank party
Garden funded in SeedsEvery dollar spent at a chain store leaves your neighbourhood in 48 hours. A community currency flips that: it's a voucher, credit or digital token that can only be spent with neighbours, farmers, fixers, carers and indie shops. It doesn't replace euros or dollars — it plugs the leaks.
— Marta Jensen, LETS Aarhus coordinator since 2016. Her network now counts 4,200 members trading gardening, tutoring, bike repair and sourdough without a single bank loan.
15-50 people who already swap favours: parents, growers, makers, retirees. Write what you offer and need. That's your bank.
Everyone starts at zero. Ana babysits for +30 Seeds, Ben pays -30 for bike fix. Sum is always zero — no one owes a bank.
Paper notes, app or chalkboard. Monthly market day, demurrage to keep flow, transparent balances. Trust compounds.
Sofia +120 (yoga) • Marco -40 (honey) +60 (plumbing) • Co-op +300 (veg boxes). Total = 0. Everyone fed.
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Paper or app tokens pegged 1:1 to euro. Spendable only locally. Used by 600+ towns from Bristol to Cagliari.
Zero-interest overdraft for all. Perfect for freelancers, farms, repair cafés. No mining, no speculation.
1 hour = 1 credit, whether lawyering or dog-walking. 2M hours exchanged last year. Dignity by design.
Coins backed by compost, solar kWh or care hours. Rewards what markets ignore: soil, kindness, biodiversity.
Everything we learned from 200 launches distilled into posters, rulebooks and spreadsheets. Print tonight, trade Sunday.
“After the flood, euros froze. Our 8,000 members traded 41,000 meals in Xarxa credits.”
— Lucia Ferrer, grocer
“My café pays farmers in Bristol Pounds. Customers love it. Leaks dropped 34%.”
— Jamal Okoro, café owner
“With Sarafu I buy school books even when shillings are short. 50k users, same story.”
— Wanjiku Mwangi, mother of three
Field notes, guides and policy wins. Click any story for the full article — each lives on its own page.
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A money created by a defined community to trade without banks. It can be paper notes, mutual-credit numbers or time hours. Value comes from members promising to accept it back.
No. No mining, no speculation, no gas fees. Most systems run on paper or simple open-source ledgers. Price is stable by design — 1 Seed = 1 favour.
Yes, almost everywhere, as long as you don't counterfeit national cash or call it legal tender. You must still declare taxable income. Our toolkit includes legal templates for EU, UK and US.
Transparent balances, credit limits (-200 to +200), community stewards and slow demurrage. Cheaters lose the most valuable asset: neighbours' trust.
€30 for printing + a potluck. The software we recommend is free. Biggest cost is two evenings of good conversation.