This discussion will not deal with the issue of local currency or the use of rollars, as this is dealt with elsewhere. This system is the most secure, flexible and powerful economic system in the world. It cannot fail and is risk free.

Indeed the point and purpose of the program is to reduce the risk that is inherent with conventional business start ups.

The program can be started with as little as a rubber stamp and a few dollars of the local currency. The bills are stamped: 'Risk Free Currency' (RFC) and become the rollars for use in an Exchange. These bills are used only in local businesses that are members of the Exchange and should be used to purchase locally produced goods with the proviso that the same guidelines applies to all who accept the bills. Risk Free Currency is spent into the local economy for local goods and services.

For example: You may need a plumber. A local plumber is a member of the Exchange. He may purchase much of his supplies locally and so may be willing to accept 30% of his bill in rollars (dollars turned into units of local currency or rational dollars).

He uses his rollars to purchase local supplies or goods and services. These can be personal or business. As the number of people in the Exchange increases new businesses serving local needs will be started based on the reduced risk the volume of rollars that is being circulated, represent.

Those who use rollars will discover their skills and knowledge is in demand simply because of the volume of rollars looking for local suppliers of goods and services.



Risk is the possibility of incurring a loss. Rollars present no risk as they remain despite the stamp units of fiscal currency and may be spent back into the national economy at any time. They cannot be counterfeited with any greater ease than the national currency can be counterfeited.

If a person spends his local dollars into the national economy he or she deprives the local economy of some dollars but they can be re-entered into the local economy at any time. When a local merchant obtains rollars he or she may spend them in the local economy as this benefits all local businesses. The person who spends rollars outside of the community deprives the local economy of rollars and increases the risk to themselves as members of the community. In any case if rollars are spent elsewhere this does not create any direct loss to the local economy. It just means fewer bills in circulation and these can be replaced as needed with a rubber stamp.


Note: This description is of one option for creating rollars. Rollars can be converted merchant vouchers, or money designed and printed by the Exchange, or just an electronic system of bookkeeping.

risk pages

Created Jan 22, 2013: revised August 12, 2013



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