We have the solution, built with you. A scheme holder, users, participating suppliers and rules of use. We settle how the programme is organised, the financial services and the full circuit, from funding to redemption.
Earmarking is the rules you set before the spend. By geographic area and by list of participating suppliers, it frames the use across a town, a department or a region.
A network that is administered
Shops joining, funding, payment, collection and redemption: each step has its journey and its owner.
An indicator of local use
The share of payments made with participating suppliers over the period. That ratio measures use, not additional economic impact.
Your rules
What we set with you, before the network opens.
The core is the same for every programme. What varies from one programme to the next is set with your teams, before the first spend.
The scheme holder and governance
The eligible scheme holder, the governance, the joining process, the network and conversion. Every territorial programme is built with its scheme holder.
Example: a territorial body, to be qualified
The legal characterisation
The difference between a budget in euros limited to local suppliers and a genuine complementary local currency, to be examined with competent advisers.
Example: to be examined with competent advisers
The network of participating suppliers
The shops and producers where spending is possible, and the geographic area adopted.
Example: 40 shops, one group of municipalities
The full circuit
Funding, spending, collection, redemption, and recirculation between shops only if it is part of how the programme is organised.
✓The study of how the programme is organised and the charter of the network.
✓The journeys for joining, funding, paying and redeeming.
✓The administration of the network and the indicators of local use.
A clear framework
A precise framework, known before you sign.
The proof covers the payment: amount, supplier, date, rule applied. The rest is written here, so that nobody discovers it afterwards.
Earmarking by area is not a local currency
Earmarking by area is not, on its own, a complementary local currency in the legal sense. The characterisation of the programme is validated with competent advisers.
Nothing is a given
Neither convertibility, nor recirculation between shops, nor acceptance by everyone, nor additional economic impact is a given.
A local authority follows a separate route
A local authority follows a separate route.
What we show before any commitment. Before any commitment, we validate the legal characterisation and the roles. Then we test a full circuit: funding, spending, collection and redemption.
A worked example
A territorial scheme holder, or a network of shops.
A territorial scheme holder wants to offer a digital local currency with participating shops. MAP provides the financial and technical services, without standing in for the scheme holder.
Scheme holder
a territorial body, to be qualified
Network (example)
40 participating shops
Area (example)
one group of municipalities
Envelope per user (example)
€600.00
Circuit tested
funding, spending, collection, redemption
Recirculation
only if it is part of how the programme is organised
Situation and values given as an example. No result and no price is announced.
Euros, on an account, that can only be used for what you have decided. You set the rules before the money is spent: who, when, how much, where and what for. It is electronic money, issued one for one against the euros you pay in. It is neither the Eurosystem’s digital euro project nor a bank deposit.
Who, when, how much, where and what for. You choose the registered beneficiaries, the ceilings per transaction, per day or per month, the period, the authorised suppliers or categories, the geographic area. You allow online payment and cash withdrawals, or you do not. For example: €600.00 per household, at food suppliers in the chosen area, for three months.
Yes. The journey, the interfaces and the responsibilities are defined with your technical teams, from the first conversation. The interfaces opened to your programme are set out there. They are opened programme by programme, not as a self-service catalogue.
How much does a programme cost and when can it start?
The terms and the timetable depend on what is covered, the uses, the number of users and the integration. No price and no lead time are announced on this site. A MAP expert will get back to you, with no commitment.
Tell us who funds the programme, who uses the funds and what it must allow people to pay for. We identify the rules, what you must be able to track and the points that need validation.
