Community Ledger
Community points with real bookkeeping — double-entry points, barter, disputes, and sponsorships.
A community points ledger built like actual accounting: double-entry points, barter exchange, dispute handling, and sponsorships — so community value doesn't live in someone's head.
If it matters to the community, it belongs in the ledger.
What it does for you
Double-entry, not vibes
Every point issued is a debit somewhere and a credit somewhere else. The books always balance — that's what makes points trustworthy.
Barter with a paper trail
Trade skills and goods inside the community with every exchange recorded — no more “I thought you owed me” arguments.
Disputes have a process
When trades go sideways, the ledger shows exactly what happened. Disputes resolve against records, not memories.
Sponsors fund the commons
Local sponsors can fund point pools — backing community activity with real support, tracked in the same books.
Capabilities
- Double-entry community points — books always balance
- Barter exchange with full trade history
- Dispute workflow against ledger records
- Sponsorship pools from local backers
- Member balances and statements
- Labor-points and fiat kept properly separate
- Tenant-scoped per community
Proof, not adjectives
- MVP built
- Double-entry points, barter exchange, disputes, and sponsorships are built and working — the ledger balances by construction.
- Community-tested design
- Designed around real community commerce patterns: labor earns points, produce is paid in fiat, and the books keep both straight.
- Extends, doesn't fork
- Shares Creytix identity and pricing infrastructure — one member record, one honest set of books.
What they offer vs everything we offer
The time-bank and barter networks run on volunteer software — free, proven, and deliberately simple. The Community Ledger is the paid alternative built like actual accounting: double-entry books, a dispute workflow, and sponsor pools — for communities whose trading outgrew the spreadsheet.
| Capability | hOurworld | Community Exchange System | Simbi | Creytix |
|---|---|---|---|---|
| Price per community, per monthPer community. Estimated — finalized at launch. | Free | Free (platform) | Free | $29 rent — or $5 inside membership |
| Community currency / points | Yes — time credits | Yes — mutual credit units | Yes — simbi | Yes — community points |
| Barter exchange with full trade history | Yes | Yes | Yes | Yes |
| Double-entry bookkeeping — books always balanceEvery point issued is a debit somewhere and a credit somewhere else. | No — single time-credit ledger | No — trade records, not formal books | No | Yes |
| Formal dispute workflowDisputes resolve against ledger records, not memories. | No | No | No | Yes |
| Sponsorship pools from local backersSponsors fund point pools, tracked in the same books. | Partial — TimeBank fund primes time-dollar pool | No | No | Yes |
| Member balances and statements | Yes | Yes | Yes | Yes |
| Tenant-scoped per community | Yes — each time bank is its own site | Yes — each exchange independent | No — one global network | Yes |
| Labor-points and fiat kept properly separatePoints track community value; fiat is fiat. | Time only — no fiat tracked | No fiat — metric units only | No cash — dollar trading prohibited | Yes |
hOurworld and the Community Exchange System are free, volunteer-run platforms; Simbi is a non-profit talent-exchange network. CES reports 1,143 exchanges in 84 countries on its about page. Figures last checked October 2026.
Buy it or rent it — your call
Every Creytix tool carries both prices. Buy it outright and own it forever, or rent it month to month — renting is always cheaper than buying. No per-seat traps, no forced bundle.
Rent
$29/mo (Estimated)
Per community. Points, barter, disputes, and sponsorships included. (Estimated — finalized at launch.)
Start rentingMembership
$5/mo
Inside the Creytix membership, the Community Ledger drops to $5/mo. (Estimated — finalized at launch.)
Get it inside membershipNot sure which path is cheaper?
The calculator shows what the ledger costs per active member at your community's size.
Open the tool calculatorQuestions, answered honestly
Are community points real money?
No — and the ledger is careful about that. Points track community value (labor, barter, participation); fiat is fiat. Keeping them properly separate is the whole reason for double-entry.
Why double-entry for community points?
Because single-entry point systems always end with arguments about who owes what. Double-entry means every point has a source and a destination — the books balance, and disputes resolve against records.
Can members cash out points?
That's a community policy decision, not a software one. The ledger supports whatever redemption rules your community sets — including “points stay in the community.”
What happens when someone disputes a trade?
The dispute workflow pulls the ledger record for the trade — who sent what, when — and the community's process decides from evidence, not memory.
Do we need this if we're small?
A dozen neighbors trading favors can run on trust and a group chat. The ledger earns its keep when the trading volume passes what anyone can hold in their head — or when the first real dispute hits.
Further reading
From the Creytix journal
Why community points need double-entry bookkeeping
Community currencies die the same way: arguments about who owes what. Double-entry bookkeeping — every point a debit somewhere and a credit somewhere else — is the 700-year-old fix.
Read the article →Related tools
Built with Creytix, on Creytix
This page itself was produced by the platform it describes — the same design tokens, module pipeline, and review gates used for every Creytix client site. Nothing here is a mockup of the product; it is the product.