Join the Yahola CES Mutual-Credit & Virtual-Dollar Bank


 How Can You Use This?

  • Make normal payments
  • Pay for items on the CES advertised as part Virtual-Dollars and part U.S. Dollars
  • Replace cash!
  • Use it to receive payments from non-CES buyers
  • Transfer money to others instantaneously and without charges
  • Give someone a bank account
  • Give yourself another bank account

Everyone on Yahola Nation CES is now a Virtual-Dollar user by default.


Determine your annual 15% multi-currency credit limit account value 

Register for Yahola-GBX Account.

Learn to use CES


Yahola National Bank: MCAPS® Small Business e-Wallet Multi-Currency Banking Models

The most prominent characteristic of Yahola-GBX e-Wallet ROCS Money is that it circulates only in closed merchant loop network economy markets and regional areas. Yahola-GBX e-Wallet ROCS Money also e-circulate (electronic money) in the market economy as local demurrage currency. It cannot earn interest and is not meant to be saved in accounts. Yahola-GBX e-Wallet ROCS Money has a demurrage charge and expiration date, after which the money becomes worthless. The currency unit is one hour of services, and transaction prices are negotiated. It can be used to purchase goods and services in participating closed merchant loop network economy local stores or other market place. Participants receive e-Wallet ROCS Money at the start of transactions, and offer services on the service menu. Transactions can take place directly between members, or through coordinators who perform a matching function.

 Yahola-GBX B2P2C Multi-Currency e-Wallet

  1. Yahola-GBX Mutual-Credit Grants
  2. Yahola National Currency Grants
  3. Yahola National Currency Loans
  4. Yahola National Bank Barter Credit
  5. Yahola National Bank Barter Loans
  6. U.S. National Currency Short-Term Loans
  7. U.S. National Currency Microloans Loans

Creating Our Own Money: Examples

Creating Our Own Money: Introduction

Vodpod videos no longer available.

Economic Principles of Demurrage Currency

Vodpod videos no longer available.

Social Network Economies, Community Currency & Payment Systems


MCAPS Cloud-Computing Platform Features: 

  • Robust Municipal Demurrage-Currency System
  • Business, Employment, Volunteer Time Management Platform
  • Community Exchange System Platform
  • Barter Exchange Banking Platform
  • Closed-Loop Demurrage-Currency Marketplace
  • Closed-Loop Merchant Processing Platform
  • Multi-Currency Microfinance Window
  • Plus Social Networking Features
Cloud-Computing Platform

  This is a Mutual-Credit Money System

Additional information can be found at

Robust Complementary Community

Currency System Synthesis (ROCS)

What Does Community Currency Mean?

A form of paper scrip issued at the county, town or community level for use at local participating businesses. The theory behind community currencies is to encourage spending at local businesses as opposed to chain or “big box” stores. Local residents can exchange dollars for community currencies at local bank branches that participate in the program, usually at a discount to encourage their use; for example, $0.90 buys $1 of community currency.

Business owners who accept community currencies may have to create separate accounting methods to deal with different taxation guidelines, but this is considered an acceptable tradeoff for increased business from local customers.

Investopedia explains Community Currency
Most attempts at creating “local dollars” fall through because they fail to achieve a critical mass of issuance and acceptance by businesses. Their success is generally in their ability to gain widespread use – the towns that have run successful programs have hundreds of small businesses that agree to accept the currency. While business owners may lose money on some purchases due to currency discounts, they find that customers tend to give them more repeat business. The effect has been to save some companies from shutting their doors, and maybe even stall the growth of big box retailers such as Wal-Mart and Best Buy.

Studies have shown that communities who try this program are able to keep more money circulating in the local economy, whereas money spent at big box stores is much more likely to leave the area altogether. Community currencies, if run with strong leadership, can also instill a sense of community pride that further aids in supporting small business efforts.