Sarafu Network’s community, history, figures, partners and commitment-pooling work continue as Cosmo-Local Credit at cosmolocal.credit. Read the history.
Cosmo-Local Credit
Cosmo-Local Credit is a live progressive web app and open protocol for creating and exchanging redeemable commitments—such as vouchers, service credits, and delivery claims—through independently curated Pools.
Redeemable Commitments
Issuers publish what each Voucher represents and how, where, and when a Holder can redeem it.
Curated Pools
Pool Stewards publish accepted assets, valuations, fees, limits, controls, and any specifically scoped guarantee.
Accountable Exchange
Users inspect Voucher terms, Pool rules, and transaction details before exchanging assets on a public blockchain.
Empowering communities through commitment pooling
Commitment pooling enables communities to create, manage and connect their own economic systems, fostering local trade and resilience.
Learn more about commitment pooling
- 752
- Vouchers
- 141
- Pools
- 3,540
- Active Members
- 271,144
- P2P Exchanges
What brings you to Cosmo-Local Credit?
Offerings, registered as Vouchers with published redemption terms, come together in shared commitment Pools that work like virtual marketplaces. Accountable Stewards curate those Pools so communities can exchange valuable goods and services.
Join or Create
Join an existing commitment Pool or create your own with customizable rules and governance.
Issue & Exchange
Issue or receive redeemable commitments, then send, swap or redeem them with other community members.
Build Networks
Connect with other communities to expand exchange opportunities and strengthen bioregional economies.
Measure Impact
Account for community health, exchange activity and social impact through public records and shared reporting.
Stewards
A Pool Steward is a trusted, accountable coordinator who manages and maintains a Pool.
Stewards curate which Vouchers and issuers are allowed into the Pool, set reasonable limits, help members onboard and redeem Vouchers, reward supporters, and connect with other Pools sharing common Vouchers. In return for their services, Stewards may set and collect small membership or transaction fees.
Create your Pool
- Publish a Pool: name, description and governance
- Curate and approve Vouchers
- Set values, limits and fees
- Launch, share and invite supporters
- Start swapping
Service Providers
Turn your skills or services into value.
Whether you’re offering food, education, mobile repair or another useful commitment, you can issue Vouchers with clear terms, receive support and build trust over time.
Create your Voucher
- Create Vouchers for your services or products
- Publish your terms and redemption rules
- Build trust through community verification
- Access exchange opportunities through Pool participation
- Start accepting Vouchers for services
Voucher Users
Swap your Vouchers in Pools, redeem them for local products, or gift them forward.
You can think of a Voucher as a gift card or digital credit representing a redeemable commitment within a community. Members receive Vouchers for goods or services and use them to access other members’ offerings. Vouchers keep value circulating locally and strengthen community trade.
What’s Available Near You
- Browse Vouchers and their published redemption terms
- See the Pools that accept each Voucher
- Send, swap, redeem or gift Vouchers forward
Supporters
Your support fuels local change.
Browse impact-driven Pools and choose how you’d like to support. Some Pools offer rewards; others focus on pure impact. Either way, you’ll get updates and insights along the way.
Real communities, real impact
Explore Local Projects
- Review each Pool’s purpose, governance and accepted assets
- Choose communities and commitments you want to support
- Follow activity and impact through transparent records
“Sarafu has transformed how our community trades and supports each other. Even during tough times, we can continue commerce and help our neighbors. The Vouchers keep value circulating within our community.”
Why Cosmo-Local Credit?
Cosmo-Local Credit carries Sarafu Network’s work forward, helping communities build stronger, more resilient commons.
Community Driven
Built by communities, for communities. Local governance and decision-making put power in the hands of users.
Open-Source & Public-Benefit
Sarafu Network was built and stewarded by Grassroots Economics Foundation. Cosmo-Local Credit carries that transparent, open-source foundation forward.
Last-Mile
Cosmo-Local Credit is a mobile-first PWA with QR flows and printable paper wallets. Sarafu’s earlier last-mile work also included NFC cards.
Secure & Transparent
Public blockchain records make exchanges and community operations inspectable, while published Voucher terms and Pool rules keep responsibilities clear.
The Sarafu and Cosmo-Local Credit lineage—as seen in
Our Partners
Ready to transform your community?
Join thousands of community members building stronger local economies through redeemable commitments and shared commitment Pools.