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The mutual credit communication system (MCCS) is a web application that enables a network of trusted individuals and businesses to pay each other without the need for conventional money.

What is mutual credit?

Mutual credit provides a mechanism for businesses to trade without money, via a credit clearing system. A credit clearing system is an arrangement in which a group of traders, each of whom is both a buyer and a seller, agree to allocate each other sufficient credit to facilitate their transactions within the network. 🔗

MCCS Video

At its core, MCCS is an accounting system that facilitates trading amongst a group of traders who initiate mutual credit (MC) transfers between each other using the MCCS web application. Group governance could be implemented in a number of different ways (see the Open Credit Network (OCN) for example), but that is beyond the scope of MCCS, which is simply the web application that facilitates trade discovery via a public directory of members and MC transfers between them.


The MCCS API is based on the following data model and functionality:


Phase 1 - Standalone MCCS Node (alpha release)

Create a standalone node that anyone can use in their community

  1. DONE - Prototype
    • Provide a web-based application that enables OCN members to:
      • Discover each other's products/services and needs
      • Facilitate MC transfers between them
  2. DONE - API
    • Enable developers to create a customizable user interface (any language, different users flows, device optimization (i.e., mobile app), etc.)
    • Exposes MCCS functionality for integration with other systems (e.g., instruct a MC transfer from within another application)
  3. Front-End UI
    • Build a front-end user interface for MCCS node admins and users using the API
    • Provide an example for front-end developers for further customization and localization

Phase 2 - Interconnected MCCS Nodes (beta release)

Connect two or more nodes together into a network to enable inter-node mutual credit transfers

  1. Define and design the communication protocol for MCCS nodes
  2. Extend the API to facilitate interconnected nodes
  3. Extend the user and admin front ends

Get Involved

Take a look at our API repository to see the work we have done so far.

We are looking for talented individuals with relevant technical (e.g., Golang, React/Javascript, front-end web design) or governance (e.g., credit risk management) background to help design and develop MCCS. If you are interested, please reach out to us at mccs at ic3 dot dev.


Mutual credit communication system and trade discovery








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