Every business has capacity that vanishes unsold: the quiet Tuesday, the unbooked chair, the idle press. The Commerce Exchange turns it into trade dollars you spend with other local businesses: new customers for what you sell, and a way to pay for what you need while your cash stays in your pocket.
Members buy your goods and services with trade dollars, often the capacity that would have gone unsold. Your broker actively finds you the buyers; you don't wait to be discovered.
Printing, catering, repairs, advertising, staff rewards. Buy what your business needs from other members and keep your cash for rent and payroll. Pay at the counter with a QR scan, no app needed.
Every trade lands on a monthly statement with invoice numbers your bookkeeper can cross-check. Taxes handled the way the CRA expects. Barter done properly.
This is the path our strongest members walk, mapped from real stories like the tradesman who went from a basement and a blocked certification to self-employed with staff, powered by one first trade.
The right first question. A currency is only as good as what it buys. Here's the network today:
And when you need something no member offers, tell your broker. Finding it is their job, including through partner exchanges in other networks.
Monthly, print-quality, with invoice numbers on every line. Your accountant sees a ledger, not a shoebox.
Trade income is taxable, and everyone serious knows it. GST is computed on every trade the way the CRA expects, and your tax reports generate themselves.
Members are vetted, credit lines are enforced, disputes get a human. This is a curated trading community, not an open app.
A customer holds up their phone camera, scans, and confirms. The trade dollars move, both accounts update, and the transaction is on your statement before they've left the counter, the same way it would be if they'd tapped a card.
Once a month closes, its statement is sealed. The lines it covered are frozen to that document. A late invoice can never quietly reappear inside a month you've already filed, and a number you handed your accountant in July still reads the same in December.
The exchange is the broker plus the tools. These come with the membership, at no extra cost.
Post your capacity, the quiet Tuesday or the spare pallet space, and members come to you.
A want ad puts your request in front of the whole network, and in front of your broker.
Reward staff, thank a client, or drive new customers through your door. Issued and redeemed on the exchange.
Move a budgeted expense you already pay in cash onto trade. The fastest way to make the balance work for you.
Message any member on the exchange to arrange the details before the trade.
Your Tuesday is still open. Want it listed? Takes 30 seconds.
Capacity expires. When yours is about to, you hear about it before it's gone, not after.
Pick up any phone and ask. Your balance, what you owe, who sells what you need, answered out loud in a normal conversation. Nothing to log into, nothing to download, nothing to remember. It works from the truck, from the shop floor, from a flip phone.
Members set their own PIN in Settings once they have signed in. The line then knows two things before it says a number out loud: the phone number you are calling from, and a PIN nobody at the exchange can read.
A trade balance is money, so the answer should be short and checkable. Here it is.
You choose your phone banking PIN yourself, in Settings, and it is stored scrambled. Nobody at the exchange can read it back to you, and your broker cannot set one for you. Five wrong tries locks the line for fifteen minutes.
The phone line checks the number you are calling from and then your PIN. A PIN someone overheard is useless from another phone, and a borrowed phone is useless without the PIN.
Password rules are enforced on the server, not just on the form, and repeated failed sign-ins are throttled. You can reset your own password with a one-time code sent to your email.
If your broker opens your account to help you with something, that is recorded against both names, and they still cannot set or change your phone banking PIN.
Completely. Barter is recognized commerce. The CRA treats trade dollars as taxable income at fair value, and the exchange computes GST on every trade and generates your tax reports. Your statement is built to hand to your accountant.
The question that matters most, and the reason this exchange is broker-run and curated. You can see today's member count and categories above, your broker actively sources what you need, and partner exchanges extend the network further. Trade dollars that just sit are a failure we manage against, actively.
A small cash transaction fee on trades plus a modest monthly fee, all on your statement, with no surprises. The trade dollars themselves move one-for-one: earn T$100, spend T$100.
If you can read email, you're ready. Statements still print on paper. Getting paid at your counter is a card by the till a customer scans with their phone camera. No app for either of you.
That's the goal we set for every new member. You leave orientation with one listing posted and one purchase identified. Apply, and let's find out what your quiet capacity is worth.
Apply to join