How It Works

To put it simply, Currents help you turn your unused capacity into wealth for both yourself and the community.

This is because when you use Currents, you can invest in resources you might not otherwise be able to afford—and build wealth and economic abundance locally at the same time.

The barter system has existed since the beginning of humanity.

But it’s not perfect. Sometimes you get stuck with a product that you don’t need. Or the service you desperately need doesn’t want what you’re offering.

A community currency takes the idea of barter and makes it effective, easy, and better.

Imagine using your unsold produce to pay for new equipment. Or your unfilled appointment hours to pay for an accountant.

Whether you invest in yourself, reward your team, or hire out that role you hate doing is up to you. But no matter how you use your Currents, you’ll be helping our community thrive… and we’ll be here to support you along the way!

The first step is signing up.

Anybody in the Hudson Valley with a product or service to offer can sign up. Usually this means locally-owned small businesses, but if you’re creative as an individual you can definitely find ways to offer services!

Here's what to expect:

  1. Complete the online registration form.
  2. We'll send you an email with a W-9 form to complete and return.
  3. Once we've verified that you are a real person, we'll activate your account for earning and spending and give you some helpful resources to get started.

Ready to start trading?

Next, you’ll need some Currents to spend.

To keep it simple, each Current is the equivalent of $1 USD. You can earn Currents one of three ways:

  1. Buy and sell products or services using our Online Banking System.
  2. Donate time or goods to a participating nonprofit (they can apply for funding to pay you in Currents)
  3. If there’s a particular service you’re looking for, you can take out an interest-free loan to pay for it.

Ready to reach a whole new supply of qualified customers?

Now it’s time to start investing in yourself and your business!

Community currencies work best when you spend Currents freely… it means more wealth for all.

You can use Currents as full or partial payment with any member that accepts them—for business services like web design and bookkeeping, or personal stuff like food, clothing, or massages.

We also encourage you to get creative: Use them as a bonus for awesome employees, as a contest prize, or even to donate to a local charity!

You can look through our Marketplace to find vendors of your choice, or just tell us what you’re looking for! We love helping you connect with businesses you might be able to help, and vice versa.

Ready to join the exchange?