🤝 Mutual Credit Ledger
🤝 Mutual Credit Ledger
📜 Ledger history
No bank. Money appears the moment help happens and vanishes the moment it's returned. Nothing to borrow, nothing to owe a stranger.
No interest. Going into debit costs exactly nothing — that's the point. The community caps the debit instead of charging for it.
Zero-sum, provably. Every entry has two sides. The total of all balances is always 0.00 — the tool checks it after every write, so the ledger cannot silently inflate.
No server, ever. The ledger is a file you own. Print it, hand it on a memory stick, email it — or run three copies and reconcile over tea.
Mutual credit is the oldest money design there is — ledger money — and it is what time banks and LETS schemes have run on since the 1980s. In the UK, community exchange systems are legal and well-established (don't imitate official coins or banknotes, and pounds-based ledgers may have tax implications for regular trading — ask a professional if you scale up). This tool is informational and stores data only in your browser. Last reviewed: 2026-09-23.