​Our Global Friends & Partners Network 

Worldwide 

Informal Systems: Building reliable and transparent financial Infrastructure

Informal Systems is a research and development company focused on distributed systems, blockchain, and formal verification. With a strong commitment to financial transparency and decentralization, Informal Systems develops secure, verifiable, and resilient economic infrastructures.

As a core contributor to Cosmos and Tendermint, Informal Systems plays a key role in advancing interoperable blockchain networks. Their work in formal verification ensures the reliability of decentralized systems, reinforcing trust in next-generation financial technologies.

More info: https://informal.systems/

Bavaria, Germany 

The Chiemgauer is a local currency introduced in 2003 in Bavaria, Germany, to support local businesses, sustainable practices, and community projects. It uses a "currency oxidation" system, where bills lose value over time to encourage circulation. The Chiemgauer promotes regional economic growth, environmental sustainability, and social solidarity by fostering connections between local consumers, shops, and nonprofit organizations. Consumers can exchange euros for Chiemgauers, which are accepted by participating businesses. 

One of the leading complementary currency in Europe, th Chiemgauer has inspired hundreds of CC and has remained a beacon of hope and longevity for the entire field ​

Explore more on the Chiemgauer website.

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Nederlands

STRO stands out as a pioneering organisation dedicated to creating alternatives to the existing monetary and economic systems. STRO aims to cultivate a world rich in development opportunities, high living standards, and cultural diversity, while emphasizing the importance of protecting environmental diversity through sustainable production and consumption practices.

They were there when (almost) nobody else was. STRO has pioneered local currency in the entire world. MoDi is very proud to count such strong partners in the network.

Learn more at https://socialtrade.nl/   ​

International 

AZKR is building a decentralized ecosystem bridging Web2 and Web3 to simplify crypto transactions and facilitate DAO adoption. Its key innovation, Bank3, enables users to send cryptocurrency directly to email or social media accounts, removing the need for wallet addresses. The League of Identity (LoID) infrastructure ensures security and privacy while promoting mainstream crypto adoption. AZKR's vision is to make blockchain technology more accessible and user-friendly for financial transactions. ​

Considering money through its institutional design implies to consider how decision-making occurs when it comes to directing monetary actions and policies.

Learn more at AZKR.

Nederlands

​United Economy is an initiative promoting a sustainable, local, and fair economy by connecting businesses and individuals. It facilitates conscious consumer choices, fostering collaborations to accelerate economic transitions. Members can participate in shared buying, sustainable trade, and circular business practices. The network includes over 600 companies and 1,100 individuals committed to making a positive impact on society and the environment.

MoDi is proud to partner with one of the largest network in the field of complementary currencies. The Dutch initiative has spearheaded development in the CC world for more than a decade and remains an inspiration to others.  

Join the movement and make a difference: United Economy.

United Kingdom

Local Loop Merseyside is a community-driven initiative that promotes a circular economy by keeping resources circulating locally. Through barter, local exchange, and mutual credit systems, it helps businesses and individuals reduce waste, maximize resources, and build a resilient local economy.

By fostering cooperation and sustainability, Local Loop Merseyside empowers communities to become less dependent on external markets while creating stronger economic ties.

Led by our friends Dil and Tom, Local Loop is the best example of modern mutual credit and debt-clearing mechanism adoption. The entire field benefits from their ground breaking work and expertise, and so does MoDi.  

Learn more about how Local Loop Merseyside is transforming local trade: www.localloop-merseyside.co.uk

Belgium 

Merciki is the online solidarity barter platform that benefits your wallet. Merciki is a complementary currency designed to foster local exchanges and strengthen the solidarity economy in Belgium. By encouraging the circulation of value within communities, Merciki supports sustainable consumption, social cohesion, and economic resilience. Through its mutual credit system, Merciki enables individuals and businesses to exchange goods and services without relying on traditional money, promoting a more inclusive and cooperative economy. 

A pioneer initaitive in Belgium. Gratitude token have emerged eleswhere but are now also available for reward in "Merci". Johan's and his team's work have proved a great added-value to the diversity of the network, showing the great variety of tools that can be useful to the people.

Discover how Merciki is transforming local trade: www.merciki.be

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Spain  

Observatorio de la Moneda Complementaria: Understanding and promoting alternative currencies. The Observatorio de la Moneda Complementaria is a platform dedicated to researching, documenting, and supporting complementary currencies worldwide. By analyzing their impact on local economies, social inclusion, and sustainability, the observatory provides valuable insights for communities and policymakers. 

MoDi is proud to partner with this dynamic network facilitating learning and scaling of complementary currency in Spain. The Observatory has already proved a significant and worthwhile actor in the field of complementary currency with values. 

Explore the platform: https://observatoriomc.glide.page/dl/16a409 ​

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Spain  

Grama Moneda is a local currency initiative in Santa Coloma de Gramenet, Spain, aimed at strengthening the local economy by promoting transactions within the community. It encourages businesses, cooperatives, and individuals to use Grama for everyday purchases, fostering social cohesion and sustainability. The platform offers a secure digital payment system through an app, making it easy for users to participate and support local commerce. 

Find out more on the Grama Moneda website. ​   ​

International 

RAMICS (Research Association on Monetary Innovation and Community and Complementary Currency Systems) is an international academic network focused on the study of alternative monetary systems. It explores community currencies, historical money systems, cryptographic currencies, and other financial innovations that promote economic diversity, social cohesion, and sustainability. The organization connects researchers, students, and practitioners through publications, conferences, and collaborative initiatives. ​

Learn more: RAMICS  

International  

The International Journal of Community Currency Research (IJCCR) is a global open-access journal dedicated to the study of community and complementary currencies. Founded in 1997, it serves as the official publication of RAMICS, supporting academic research on alternative monetary systems. The journal publishes peer-reviewed articles on economic innovation, local exchange systems, and sustainable finance models, fostering knowledge exchange between researchers and practitioners worldwide.

Learn more: IJCCR

  Flanders, Belgium

LETS Vlaanderen is a local exchange system in Flanders and Brussels that encourages cashless transactions through a community-based network. Members exchange goods and services using a point system, fostering social connections, sustainability, and local collaboration. The initiative promotes talent development, equal opportunities, and an alternative circular economy. 

More info: LETS Vlaanderen ​

International 

The Post Growth Institute promotes a future beyond capitalism, focusing on ecological sustainability and collective well-being. It supports initiatives for thriving communities and organizations through training, research, and movement-building. The institute emphasizes alternatives to growth-dependent economies, fostering fair, regenerative models. Their approach engages people globally, empowering them to contribute to a post-growth future.

Learn More: Post Growth Institute  

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Germany 

TwinToken in a Clearing Community

Cash is a centrally created means of payment that can be used sequentially multiple times in circulation passing from hand to hand between two parties and is thus distributed in the network of supply chains in the opposite direction to the goods and services. The parties can agree to leave mutual cash payments open and to settle them at agreed intervals, and then to settle only the remaining balance by payment or to carry it forward.

More tools: https://drive.google.com/drive/folders/

1reW7g68_3Z_zsamJdgLpbP0yPyWQG0U8

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Sweden

Svensk Barter provides a dynamic platform for businesses and individuals to exchange goods and services without relying on traditional money. This innovative approach is built to support local economies, sustainable practices, and community cooperation. Through barter solutions, Svensk Barter helps businesses optimize their resources, reduce costs, and strengthen community ties by enabling exchanges that go beyond cash transactions.

MoDi is happy to participate in this growing network of projects aiming at facilitating business activities through liquidity mechanisms such as mutual credit systems and debt clearing. 

Discover how Svensk Barter is reshaping trade and supporting local economies: www.svenskbarter.se

International 

Monei develops customizable mobile payment solutions to support financial inclusion and local development. They offer services like savings groups, community currencies, and business currencies. Their platform is powered by Cyclos, a secure and scalable payment system used globally. Monei’s solutions empower communities by providing accessible and secure digital payment systems tailored to local economies.

For more, visit Monei. And subscribe to the channel to discover their inspiring talk

London

Sikoba is a blockchain-based IOU system that facilitates trust-based credit transactions, helping businesses—especially in developing countries—reduce their reliance on cash. By recording debts securely on a blockchain, Sikoba enables users to establish credit histories, clear circular debts, and extend transactions beyond immediate trusted circles. The platform supports local currencies, microcredit, and financial inclusion, making it a valuable tool for boosting local economies. 

Learn more: Sikoba

 International 

RIPESS (Intercontinental Network for the Promotion of Social Solidarity Economy) is a global network connecting continental networks engaged in social and solidarity economy (SSE). It operates across Africa, North and Latin America, Europe, Asia, and Oceania, promoting sustainable and inclusive economic models through local and global actions.

Learn more at RIPESS.

Denmark 

Gode Penge is a Danish non-profit organization dedicated to reforming the monetary and banking system to restore public control over money creation. 

Gode Penge advocates for a democratic monetary system where the creation of money is managed by public institutions, aligning with societal needs rather than profit motives. This approach aims to ensure financial stability and equitable distribution of resources.  

Learn more: https://www.godepenge.dk/ 
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Belgium 

Happonomy is a Belgian non-profit organization dedicated to aligning our economic systems with human well-being and ecological sustainability. Founded by Bruno Delepierre, Happonomy combines research, practical tools, and community engagement to foster a regenerative economy that prioritizes quality of life over mere financial growth. 


For more information, visit their website: https://www.happonomy.org/

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International 

The Community Exchange System (CES) is a global, internet-based network that enables individuals and communities to trade goods and services without relying on traditional national currencies. Established in 2003 in Cape Town, South Africa, CES has expanded to over 50,000 members across more than 750 local groups worldwide.

CES functions as a mutual credit system, where participants earn credits by providing goods or services and spend those credits within the network. CES credits are generated through actual exchanges between members, fostering a more equitable and community-focused economy.

More details:  https://www.community-exchange.org/

Liège, Belgium 

Le Val'heureux is a regional citizen currency in Liège, promoting a local and sustainable economy. It supports small businesses and local producers through vouchers and subscriptions. This initiative encourages responsible consumption by fostering short supply chains and ethical practices. Users can engage by purchasing or subscribing for automatic top-ups, contributing to a more resilient and ethical economy.

Learn more about Le Val'heureux  

Norway

World Heritage Catalysis is a community focused on transforming tourism to protect natural and cultural heritage. By promoting sustainable tourism practices, it aims to support local communities and ecosystems, fostering resilience and peace. It envisions tourism as a pathway to mutual growth, decoupling exploitation from culture and nature. The community promotes governance, foresight, circular economics, and strategic visitor management through collaborative efforts, with the goal of preserving heritage and supporting sustainable development. You can join their initiative through various engagement plans. 

For more details, visit World Heritage Catalysis.

United Kingdom

Tempo Time Credits is a registered charity that builds local and national networks of organisations to foster volunteering and community engagement. Volunteers earn “Tempo Time Credits” for their voluntary work — credits that can be exchanged for services and activities provided by participating partners across the network (from leisure to services, depending on availability). 

Their vision is to ensure that both paid and voluntary work are treated with equal respect, promoting inclusivity, social cohesion, and community resilience. 

​Discover more about Tempo Time Credits

United Kingdom

IslandPower is a smart-energy accelerator that partners with communities, developers and investors to accelerate the transition to affordable, zero-carbon energy. 

By combining local renewable resources (solar, wind, hydro, thermal) with innovative financial and legal models, IslandPower enables energy systems that serve housing estates, islands, industrial zones or entire communities — delivering clean, resilient energy with shared economic benefit.

Their approach ensures that communities—not just utilities—benefit directly from energy savings and production revenues, empowering local economies and reinforcing energy independence. 

​Discover more about IslandPower

Sweden

JAK Medlemsbank is a Swedish cooperative bank founded in 1965 and formally licensed as a bank in 1997.

Its core mission is to provide interest-free banking and loans to its members, based on a democratic, collectively owned model where each member has a voice. 

JAK rejects profit maximization — member deposits are never used for speculative investments or bonuses. Instead, they aim for long-term sustainability, reducing societal indebtedness and environmental impact. 

With a strong commitment to ethical finance and sustainability, JAK ranks very high in independent assessments of social and environmental responsibility. 

Discover more about JAK Medlemsbank

Spain 

One of the oldest mutual credit system in place. EcoXarxa del Bages is also a pioneer in digital payment solutions, introducing NFC card payment and a robust open-source system.

MoDi is proud to count on EcoXarxa for it's expertise and good heartedness in developping on a voluntary basis an efficient tool for all communities willing to value their time and energy with a locally issued tokens. Centered around key marketplace, EcoXarxa is an example of long-sustained development and use of a mutual credit systems for individuals. 

More information https://ecoxarxadelbages.org/

International 

CommunityForge is a non-profit, volunteer-run association designing, developing and distributing open-source tools to support complementary currency systems, Local Exchange Systems (LES), time banks and community currencies worldwide. 

Their flagship software, Hamlets, enables communities to create and manage their own alternative currencies — supporting the management of exchanges, member accounts, community communication, offers/needs posting, and more — with free or hosted solutions.

To date, CommunityForge has provided exchange platforms to hundreds of communities globally, helping them enhance local resources visibility, social cohesion, economic resilience, local autonomy and reduce environmental impact.

Discover more about CommunityForge here

International 

Collaborative Finance (CoFi) is an international network dedicated to alternative and community-driven financial systems, including mutual credit, complementary currencies, multilateral clearing, community exchange systems, and other non-bank monetary innovations.

CoFi convenes global gatherings that bring together practitioners, researchers, currency builders, developers, and institutional actors — creating a space for knowledge exchange, collaboration, and the co-creation of practical tools supporting monetary diversity. 

Through its community and events, CoFi contributes to shaping systemic alternatives to traditional finance, emphasising trust, cooperation, and resilient local economies. 

​Discover more about Collaborative Finance

International

Economic Space Agency (ECSA) is an interdisciplinary R&D organization—and startup—reimagining the economy as a programmable, relational system. 

Composed of economists, cryptographers, game designers, and software architects, ECSA builds open‑source protocols (the “Economic Space Protocol”) that enable peer-to-peer networks to issue, exchange, stake, clear credit, and value a wide range of intangible assets—from environmental impact to care work—beyond traditional money

More information here

France

The Institut des monnaies locales (IML) is a French research and training institution dedicated to supporting, studying, and professionalising complementary local currency initiatives. IML was created by the team behind the successful local currency Eusko (Basque Country) in partnership with the training organisation Bihar — forming a reference body for local monetary innovation

Through training programmes (covering legal frameworks, digital infrastructures, community mobilisation, currency management and governance), IML transfers the expertise and practical tools developed with Eusko to other emerging or established local currencies across France.

Discover more about Institut des monnaies locales here

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Belgium 

Brussels Pay is a modern, community-oriented payment solution designed for the Brussels region. It enables residents and local businesses to transact easily and securely via a dedicated app — promoting a localized and trust-based payment network. 

Whether you’re paying for goods or services, Brussels Pay allows instant wallet-to-wallet transfers or QR-code payments, helping support local commerce and reinforce connections within the Brussels community.

More information Brussels Pay

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Belgium

Citizen Wallet is an open-source, community-oriented payment infrastructure designed to support local currencies and community economies. The platform enables communities to create, manage, and exchange tokens representing time, goods, services, or local currencies — offering a flexible, modern alternative to traditional money systems.

With features like mobile wallet, NFC payments, and easy onboarding, Citizen Wallet aims to make monetary diversity and community economics accessible, secure and scalable for citizens, local businesses, and grassroots initiatives. 

Discover more about Citizen Wallet

South America

The ADBdT is a nonprofit association dedicated to supporting and strengthening time banks worldwide. It helps local time-bank initiatives by offering open resources: knowledge-sharing (wiki & forum), visibility through an international directory, and a free/open-source time-bank management platform. 

By pooling the experience and skills of volunteer time-bank managers, ADBdT ensures that even small, grassroots exchanges benefit from collective experience — reinforcing solidarity, trust, and community resilience across borders.

Discover more about ADBdT: here

Victoria, Australia

The Castlemaine Institute is a charitable, research- and learning-based non-profit organisation dedicated to fostering thriving communities, resilient economies and healthy landscapes.

CI’s work focuses on five core themes — Economy, Environment, Housing, Neighbourhoods and Democracy — and is carried out through community-co-created research, policy design and place-based strategies.

Their projects range from local economic development, climate-resilient housing retrofits and ecological neighbourhood planning, to community currencies and experiments in alternative economic models. 

​Discover more about Castlemaine Institute here

North America

Cycles is an open, decentralized settlement and clearing protocol designed to address inefficiencies in payment systems and liquidity stress. Through a peer-to-peer electronic clearing system, Cycles enables businesses and communities to clear debts using diverse assets — including cryptocurrencies, stablecoins, and various credits — rather than relying solely on traditional cash or bank credit. 

By optimizing liquidity flows and reducing the need for upfront capital, Cycles aims to support small enterprises and networks vulnerable to late payments, offering them a resilient alternative to conventional financial systems. 

Discover more about Cycles here

North America 

The Silvio Gesell Foundation promotes the economic theories of Silvio Gesell, advocating for a monetary and land-ownership reform that challenges the traditional functions of money and property. Founded to resurrect and disseminate Gesell’s vision of “free money” and “natural economic order,” the foundation works to make his proposals accessible worldwide.

Through educational initiatives—courses, translated publications, lectures—and an active online presence (newsletter, resources, community discussions), the Foundation aims to influence today’s monetary debates and support the emergence of alternative monetary systems based on social justice and economic resilience.

More information here

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International 

Komunitin is an open-source platform and app that allows local communities worldwide to create, manage, and exchange their own community currencies — and trade with other communities via a shared marketplace.

Each community defines its own governance and monetary rules (mutual-credit scheme, credit limits, currency issuance) according to its needs, offering an inclusive, decentralized alternative to conventional money. 

By combining wallet functionalities, marketplace for goods/services, and cross-community exchange capabilities (enabled through a blockchain-based system), Komunitin fosters local economic resilience, mutual aid, and stronger social cooperation — beyond borders and formal financial systems. 

Discover more about Komunitin here

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Basel, Switzerland 

Ecoloc is a non-profit think tank and community organisation dedicated to strengthening local economies by developing methods, tools and practices that support sustainable, ecological and socially coherent economic models. Based in Basel, Ecoloc works to make the value of local economies visible, tangible and measurable — helping communities, local businesses and citizens to build resilient and regenerative local economies. 

Their work spans local economic activation, environmental sustainability, social cohesion and regional development — promoting sufficiency, shared resources, circular economy, and community-led governance.

​Discover more about Ecoloc here

Netherlands

Money Maker is a board game that simulates banking, credit creation and financial cycles: each player becomes a banker, uses credit to invest, acquires companies, produces goods, and repays debts — or risks triggering a bank run. The game visualises how money, debt and credit operate in an economy, offering a concrete and playful way to understand monetary creation and systemic instability.

By transforming complex monetary dynamics into a shared game experience, Money Maker helps raise awareness on how banking and credit systems work — making monetary theory accessible to citizens, students, and communities worldwide.

Discover more about Money Maker here

Netherlands 

LedgerLoops is a peer-to-peer obligation-clearing network that allows participants (businesses or communities) to settle invoices and receipts without relying on traditional money flows or cash liquidity. It uses a unique algorithm to detect payment loops and clear mutual debts — enabling more efficient trade and reducing the liquidity constraints and delays associated with traditional payment systems.

By eliminating the need for upfront cash or a central currency, LedgerLoops offers an alternative to conventional money, built on trust, cooperation, and network-based clearing.

More information here

Italy

RetiCS is a research- and activist-driven network based in Italy that supports and promotes alternative exchange systems, community currencies, mutual-credit schemes and solidarity-economy practices. Their work focuses on fostering cooperation, social cohesion and economic resilience through non-monetary or complementary exchange systems.

By combining research, training and collaboration with numerous local solidarity-economy actors (time-banks, community currencies, mutual-credit initiatives, social cooperatives), RetiCS aims to overcome fragmentation in alternative monetary practices and build a robust national — and international — network for ethical and sustainable exchange systems.

​Discover more about RetiCS here

France

Mouvement SOL is a federation and experimental hub for citizen-led local currencies across France, bringing together around 40 complementary currency initiatives plus various alternative monetary experiments. 

As a national association, SOL coordinates collective experience-sharing, supports the structuring and scaling-up of local currencies, advocates at institutional level, and helps digitalise community currencies.

By federating local initiatives, enabling coordination between territories, and promoting monetary pluralism as a lever for ecological, social and territorial resilience, SOL contributes to rethinking money as a tool for solidarity, local development and democratic economic governance. 

​Discover more about Mouvement SOL here

Africa  

Grassroots Economics is a non-profit foundation founded in 2010 that empowers marginalized communities — especially in informal settlements and rural areas — to take control of their livelihoods and build resilient local economies through community-driven monetary systems. 

Across more than 100 locations, Grassroots Economics has supported over 60 000 small businesses, schools, and community groups in using inclusive monetary tools to sustain trade, social services, and community-led development. grassrootseconomics.org+1

By combining trust-based exchange, shared resources and digital innovation, Grassroots Economics shows how monetary diversity can become a lever for equity, resilience and social inclusion.

Discover more about Grassroots Economics here