Use case
Time Bank Software
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Trade Exchange Software
The platform 50+ trade exchanges run on across 21 countries.
In one paragraph
A trade exchange is a commercial network of businesses that trade goods and services with each other using a shared virtual currency — usually called trade dollars or trade credits — instead of cash. The exchange operator runs the marketplace, charges transaction and membership fees, and handles tax reporting for members.
How XO works for trade exchanges
XO has been built around the trade exchange operating model since 2002. Every feature you'd expect — and most of the ones you didn't know you needed — is there: real-time transaction authorization, broker hierarchies, marketplace listings, automated invoicing, and 1099-B reporting for US exchanges.
What makes it different from spreadsheet-driven exchanges or generic CRM software is that the trade dollar ledger is the source of truth. Every action members and brokers take posts to it instantly. Year-end reporting is a single export, not a six-week reconciliation project.
Real-time trade dollar transaction authorization — no overdrafts
Broker and sub-broker structures with commission tracking
Marketplace listings, offers, and member-to-member messaging
Cash-fee management with auto-pay by credit card
1099-B IRS reporting built into the ledger (US exchanges)
Multi-currency support for cross-border trade networks
What's different vs running on a spreadsheet
Plenty of small exchanges (under 50 members) survive on spreadsheets and email. The math stops working around 100 active members: authorization delays drive away buyers, fee tracking gets sloppy, and 1099-B season eats two staff weeks.
XO is what exchanges move to when they want to grow past that ceiling without doubling the operations team. The pricing reflects it — a few hundred dollars per month for small exchanges, scaling with network size.
Common questions
Q
What's the difference between a trade exchange and a barter exchange?
Functionally, nothing. "Trade exchange" is the more common industry term in IRTA member networks; "barter exchange" is more common in casual conversation and IRS terminology. Both refer to the same multilateral commercial trading model.
Q
Can XO handle multiple currencies for an international trade exchange?
Yes. The platform supports country-specific trade currencies (US Trade Dollars, UK Pound Trade Dollars, etc.) running side by side, with per-region tax and fee structures.
Q
How long does it take to launch a trade exchange on XO?
Most new networks go live in 4–8 weeks. Migrations from another platform take 6–10 weeks depending on data quality. Both timelines include training and a sandbox period before go-live.
Want to see XO running for trade exchange software?
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
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