Food-only • No cash-out • Transparent reserves

Fuel your local food system with a simple account with benefits.

Members add credits. They spend them on local food. Farms gain stable, trackable cash flow—backed by a clear reserve policy.

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Why communities like it

It’s simple for members, stabilizing for farms, and transparent for everyone. Credits are food-only, never cash—so dollars stay in the local food economy.

Food-only Wallet

Members preload credits and spend on local food—clear statements, no cash-out.

Strong Reserves

Default 80% reserves with nightly sweeps. Policy engine prevents dips; everything reconciles daily.

Grows with You

Start with the wallet; add POS/accounting integrations later without changing member experience.

How it works

1

Members Load

Card/ACH funds settle directly into the farm’s FBO Member Credits bank account. Wallet balance updates instantly.

2

They Buy Food

Credits auto-apply at checkout online or at market. Refunds/expirations follow simple, published policies.

3

You Reconcile

Nightly, the farm moves the non-reserved portion to operating cash; dashboards show reserves and exceptions.

Bring Community Credits to your region

Tell us about your farm, co-op, or network. We’ll reply with a readiness checklist and a 20-minute onboarding call link.

  • Food-only wallet with clear member terms
  • 80% reserves & daily reconciliation
  • Optional reserve-backed loans via bank partner
  • Plugins for POS/accounting when needed

More Information

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We never share your info. This form emails our team and stores no data on this site.

At a glance

  • Member Wallet credits usable for eligible local food only
  • 80% target reserves, daily reconciliation, audit trail
  • Optional reserve-backed working-capital loans (bank-originated; business-purpose)
  • Optional plugins for POS/accounting when you’re ready

Not a bank account. Community Credits is a software platform and ledger. Funds are held by each farm/co-op in its own FBO (“for-benefit-of members”) bank account.