Regional, Urban, Local Money Systems, Supply Chains and Enterprise Clusters

We provide a full range of services to Regional, Urban and Local governments, as well as to enterprise clusters, from design and formation through to ongoing assessment and improvements, which generate increased tax revenue, economic activity and sales.

Digital Currency Design and Implementation

Considering implementing a digital currency for a specific purpose? We provide a full range of technology design and implementation services.

Loyalty and Exchange Points Systems

Does your company offer Loyalty Points, or use Exchange Points to facilitate exchange between your clients? See what we can do to make your membership-based exchange come alive!

Project Areas

Complementary Currency Systems

Social & Community Currency Systems

We assist Communities, Organizations and Local Governments to develop their own Social & Community Currency Systems to target improvement in certain areas of society and the economy by incentivizing and facilitating new types of transactions & exchanges.

Digital Currency Payments Systems

Governments and Associations that are experiencing declining use of outdated payments system technologies that are seeing declining returns and competing systems cutting into their revenue streams.

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Loyalty & Exchange Points Networks

Companies that see declining use of their Loyalty Points systems, and who must regularly devalue their currencies to the detriment of their customers.

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Supply Chain Networks

Governments below the national level and Enterprise Groups, Cooperatives and Clusters who see money flowing out of their areas and a corresponding decline in tax revenue and economic activity.

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Recent Projects

  • Keynote Speech at the First World Blockchain Conference in Changsha, Hunan, China to an invite-only conference on Blockchain Technology Innovation sponsored by the Ministry of Industry and Information technology and the Communist Party of China.
  • Educating a major European Financial Institution about Bitcoin and the Blockchain, the Bitcoin movement and regulatory issues and concerns in the Eurozone.
  • Advising a blockchain consulting company in North America on building client relations in Asia.

  • Advising a team implementing a complementary currency system in a 30,000 resident refugee camp turned settlement in East Africa.

  • Advising the King of a nation in the Pacific about implementing a currency to bring the community closer together economically, and to facilitate increased cooperation and sharing of well-being.

  • Advising a group implementing a time-currency to improve reciprocation in a rural area in the United States.

  • Advising a light rail transit society in North America about ways to increase spin-off benefits for local business situated along a streetcar line using a digital currency.

  • Advising a bullion-backed digital currency startup in Montreal, Canada.

  • Advising a technology hardware provider in Australia about strategies for entering the Indonesian market.

  • Conducting research and Consulting the Provincial Government of a Southeast Asian nation about how to understand and interact with the traditional currencies that circulate in their area.
  • Conducting “Getting Started with Bitcoin Trainings) to groups of over 10 people at a time in Bali, Indonesia.

  • Educating the R&D Unit of a major Japanese financial institution in Tokyo about parallel currencies in the wake of the Asian Monetary Crisis in 1998. 

Consulting Services

I’m considered by many of my peers to have one of the broadest experiences in the field of complementary, community and digital currencies: this is often mentioned in my testimonials on Linkedin. Consider this as a kind of Institutional Memory of the rapid pace of developments in this field for the past 25 years.

I have a large network of experts that I know personally and have collaborated with. I have an excellent reputation for working in teams. If I don’t have what you need, I know someone who will. I’m active in several groups and as a subject matter expert for, a blockchain industry publication.

Although digital and cryptographic currencies are evolving rapidly now, the effort started in the early 1990s, and I was there. From communications with the founder of Ripple Classic years before it was programmed, to discussions with the founders of financial cryptography, for years people have been coming to me with their innovative ideas, and come back often to continue bouncing ideas around with me.

To ensure what you are doing is truly unique, that you have considered all the angles, that you’re involving the right people in order to focus on success, you’ll benefit from speaking with someone who has decades of experience in the field.

Packages Offered:


Advisor or Board Member

Private Consulting

Bitcoin-Blockchain Training & Presentations

Gift-Based Advising

What Does it Cost?

-First Meeting Fee USD/EUR/AUD 200
Retainer (Negotiable)
-Share offers
-Payment in
Bitcoin accepted

-First Meeting Fee USD/EUR/AUD 200
-Based on
Scope of Work
-USD/EUR/AUD 800/day (Negotiable)
+ Expenses
-Payment in Bitcoin accepted

-USD/EUR/AUD $400/ half-day session. (Negotiable)
+ Expenses, minimum 3 days
-Payment in Bitcoin accepted

-Official Letter, Certificate & Reference on Linkedin.

-Payment in digital or complementary currency, or in-kind gift.

Who is it for?

Startups, Established Businesses, Entrepreneurs

Startups, Established Businesses, Entrepreneurs

Startups, Established Businesses, Entrepreneurs

Community groups and unfunded non-profits proving strong intentions

What is included?

Active involvement in meetings, completion of specific tasks with measurable outcomes.

Action Research, System Analysis and Strategic Assessments. Preparation of reports and presentations.

3 Hour Introductory or Intermediate Level Course, plus 3 hours of focused discussion.

5 Hour blocks of my advising time & assistance, at which time extensions are discussed and agreed upon.

What are the deliverables or outcomes?

To be determined at the outset and put in writing. Outcomes must be measurable or create specific results.

To be determined at the outset and put in writing. Outcomes must be measurable or create specific results.

Participants gain comprehensive knowledge of Bitcoin and Blockchain technologies, possess Bitcoin Wallet, understand security, risks & opportunities.

To be determined before the consulting period begins.


 Please See Full Details Here


Latest Posts and Interviews

Complementary Currency Innovation and International Development

Stephen DeMeulenaere of the Complementary Currency Resource Center interviewed by Dr. Jem Bendell of the Institute for Leadership and Sustainability (IFLAS) at the University of Cumbria on Currency Innovation and International Development....

Promoting Bitcoin & Blockchain to the Government of China – My Keynote Speech

I was invited to speak at the First World Blockchain Conference (+ Manfacturing Innovation Development Summit) held in Changsha, Hunan, China on 30-31 October 2016. The conference was sponsored by China's Ministry of Industry and Information Technology and several...

Can Android Smartphones Accelerate Activity Of Bitcoin Users?

Original: Author Nina Lyon Today, people are likely to choose mobile apps and wallet, instead of using similar software solutions on their PC desktop. It is the same situation with Bitcoin...

What We Learned About Technocratic Fallacies From DAO Collapse

Original: Author Lucia Ziyuan The DAO, the first leaderless investment fund which operates on code for reaching consensus in decision-making, is championing for the...

Who Needs Money? An Article in The Progressive magazine

Myself and a few of my colleagues were interviewed for an article in The Progressive, an American magazine. Who Needs Money? Alternative Currencies Create Ways to Build Community and Keep Things Local Other than being quite sure I asked her to say "Complementary" or...

Bitcoin Price Trading Bots, the Key to Price Stability

I believe the widespread use of Bitcoin Trading Bots is having a significant impact on price stability. In the past 30 days, under 1% volatility and under 1.5% volatility in the past 60 days. This is right in line with low-volatility currency pairs in foreign...

Cyberpunk Music, Cryptocurrencies and Visioning the Dystopian Future

I recently watched this great talk by Vinay Gupta on the Blockchain where he ends by recommending everyone interested in Bitcoin and Cryptocurrencies to read Cyberpunk Novels to get an idea of the mindset of the people who designed digital currencies. Forgiven for...

‘Free Money’ an interview with Stephen DeMeulenaere

In August of 2015, I did a 90-minute webinar with The Optimist, aka The Intelligent Optimist magazine for their members. As more than 6 months have passed since that time, I would now like to share this with you.

Donate Bitcoin via Satoshipay to the Complementary Currency Resource Center

I am proud to say we're one of the first 25 content providers on the internet to use Satoshipay to receive contributions to the Complementary Currency Resource Center, via and! Congratulations to us for being...

Internal Currency Networks and the New Electronic Economy (Year 2000 Draft Article)

Here's the draft of an article I was writing on the state of Digital Currency Payment Systems in 2000, some 5 years before Ripple was conceived, and 8 years before Bitcoin was released.Since around 1995 I had been working on a few Mutual Credit type electronic...

Mike Hearn’s Failure to Become the “Benevolent Dictator” of Bitcoin XT

  A few days ago on January 15, 2016, Mike Hearn, a contributor to the Bitcoin project publicly announced his departure from as well as the total failure of the Bitcoin project. Just six weeks earlier, he joined the R3 Consortium, comprised of 43 major banks...

Craig Wright May Be Satoshi Nakamoto, But Is He The Inventor Of Bitcoin?

Cointelegraph interview with Stephen DeMeulenaere on December 11, 2015 It should go without saying: it’s unlikely that the credit for the invention...

Invitation I received to join the “Just Trade” Digital Currency Discussion Group, January 2003

Introduction To Just Trade January, 2003 Dear Just Trade Discussion Members: The purpose of this group is collaborate in the creation of a complementary currency network project done entirely as Open Source Software (OSS). The project goal is to create a completely...

10 Digital Currency Platforms Before Bitcoin You Have Probably Never Heard Of

Read just about any blog about Bitcoin, or listen to any expert, or even just read the Wikipedia entry and they will list the digital currencies that came before and led to Bitcoin:Wei Dai's B-MoneyNick Szabo's Bit GoldAdam Back's HashcashDavid Chaum's DigiCashThe...

Webinar – Friday August 21, 2015, 5:30pm PST

Hi Everyone,I'm doing a live webinar with The Optimist magazine this Friday afternoon. Click here for more information: Money MosaicAlthough many of us have not been making use of the possibilities yet, we're already...

My First Dollar Earned for Working with Digital Currencies

In the "old" days, people would stick the first dollar they ever earned on their till. In the digital era, all I can do is copy and paste a transaction. In this case, my first payment ever received for my work with Bitcoin, reviewing Princeton University's textbook...

I’m impressed by the approach you’re taking @networkcoin, and if no one else is going to changetip you, then I’m going to tip you .50 cents randomly via @changetip

I'm tipping myself as a reminder that what I do is important, for nothing other than my own sake, if not for everyone else's. For more information, visit Changetip.

Building Towards Cryptographic Credit with Proof-of-Importance

As often happens, when I think about the next blog post I would like to write, I come across an article that helps explain my point. In one way, this is really great because it encourages us to find out about emerging cryptographic currencies, and on the other, it...

Which Digital Currency do you choose? Theirs or Ours?

The End of Physical Currency: which Digitial Currency do you choose? Theirs or Ours? The neat thing about blogging is that you can basically timestamp your prediction and come back to it in a year, two or even five and see how your prediction turned out. This week we...


Michel Bauwens

There is no doubt that Stephen is recognized as one of the pioneers who has done most, not just in conceptual, technical and financial innovation, but also in real-life implementation. He has made a incalculable contribution to monetary transformation.”

Michel Bauwens
P2P Foundation

Stephen has a long history in the field of community and complementary currencies for more than 20 years in Canada, Latin America and Asia. He has designed several community currency models for economic development purposes in Mexico, Argentina, India and Thailand. And he wrote valuable list of articles on the subject. Last, Stephen presented and facilitated at Universities and conferences all over the world. We are proud that Stephen is fellow at Qoin.”

Edgar Kampers

I engaged Stephen as a consultant to carry out this study [of traditional currencies in East New Britain Province, Papua New Guinea in 2001. I was impressed by his extraordinary knowledge of complementary currencies, by his contribution to the field, and by his dedication to the study. The work went seamlessly. The client loved the result. And we all learned from working with Stephen. I recommend him highly.”

David Week
Chief Architect
Culture-Driven Projects

I have had several different opportunities to work with Stephen along the years. Each time I could enjoy Stephen’s rigor and the depth of his expertise, not just in complementary currencies (a huge field), but also where the world goes. Stephen knows how to combine the big picture with practical ‘get the work done’ things. A very rare quality.

Jean-François Noubel
Collective Intelligence Research Institute