Use case
Trade Exchange Software
The platform 50+ trade exchanges run on across 21 countries.
Read more →Use case
Complementary Currency Platform
Run any non-fiat currency — community, mutual credit, hours, asset-backed — on infrastructure that scales.
In one paragraph
A complementary currency is a non-national currency designed to circulate alongside the official one — supporting local economies, specific communities, or specific kinds of exchange. Examples include the Bristol Pound, Berkshares, Chiemgauer, mutual credit systems, and various time-based currencies. They are "complementary" because they don't replace fiat, they complement it.
How XO works for complementary currency networks
XO's currency engine doesn't assume what kind of currency you're running. The unit can be a fixed-value local currency (e.g., 1 BristolPound = £1), a mutual credit unit, an hours-based credit, or an arbitrary unit you define.
You can also run more than one currency in the same network — useful for networks that want to issue both a local-fiat-pegged currency and a mutual credit unit, with controlled exchange rules between them. Few platforms support this. XO does it natively.
Multiple currencies in the same network with configurable exchange rules
Currency types: fiat-pegged, mutual credit, hours, arbitrary unit, asset-backed
Per-currency ledger and reporting
Member can hold balances in multiple currencies
Multi-language portal for cross-border community currencies
Audit trail for grant-funded or municipal-backed currencies
What's different vs Cyclos, Open Money tools, or custom builds
Cyclos is the canonical open-source platform for complementary currencies and it's powerful — but it requires meaningful technical operation and customization. XO is the SaaS alternative for operators who want the same capabilities without running their own infrastructure.
If you've been quoted six figures for a custom build, or you've outgrown an open-source tool that no one wants to maintain, XO is what you should look at next.
Common questions
Q
Can XO run more than one currency in the same network?
Yes. A single network can issue multiple currencies (e.g., a fiat-pegged local currency plus a mutual credit unit) with configurable rules for whether and how members can convert between them.
Q
Does XO support asset-backed currencies?
Yes. The unit definition is flexible enough to represent anything from a fiat-pegged token to a basket-of-goods unit. The accounting is the same; the backing is whatever your network defines.
Q
Is XO appropriate for a regulated digital currency?
XO is platform infrastructure, not a regulatory framework. If your currency is subject to financial-services regulation in your jurisdiction, you'll need legal and compliance work alongside the platform. We've worked with networks that have done this and can refer you to specialists.
Want to see XO running for complementary currency platform?
30-minute walkthrough on a live sandbox tenant. Bring your specific operating model — we'll show you exactly how it maps onto the platform.
Schedule a Call →Other use cases
Use case
Time Bank Software
The professional-grade platform for time banks that want to scale beyond 100 members.
Read more →Use case
LETS Network Software
Modern infrastructure for LETS networks that want to grow without losing their community feel.
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