Stabletown Local Dollars
Keep more local spending in local hands.
Create a sponsor-backed local reward that gives residents a reason to buy local, helps merchants retain more value, and makes local economic activity easier to see and support.
Reduce leakage
Design a closed-loop reward that nudges spending back toward local merchants and service providers.
Reward local spending
Give sponsors, employers, banks, foundations, and local governments a simple way to back local commerce.
See what is working
Use merchant participation, redemption activity, and resident engagement to understand where local value is being retained.
Local Dollars is not self-serve stablecoin issuance. Early pilots use familiar reward, voucher, QR, merchant-code, and reconciliation workflows, with optional onchain proofs and all regulated execution routed through qualified partners.
Why local money
Most of a town's spending leaks out
Every dollar spent at a national chain or online mostly leaves the community the moment it's spent. A local dollar gives residents and merchants a reason to keep more of that spending circulating close to home, where it can support local businesses, jobs, services, and community priorities.
And every card swipe leaks too
Even when residents buy local, roughly 2–3% of every card transaction is skimmed off as interchange and processing fees that flow to out-of-town card networks and banks, never the merchant, never the community. A local dollar settles without that toll, so more of each purchase stays with the local business and the local economy it supports.
Illustrative only. Local capture and interchange rates vary by community, card mix, and program design.
How it fits together
From idea to launch packet
1. Design
Shape your local dollar in the free Builder: name, sponsor pool, and the local economy it supports.
Open the Builder →2. See it live
Walk through a working example so stakeholders can picture the everyday loop.
See the demo →3. Launch packet
Turn it all into a merchant plan, sponsor packet, resident FAQ, and council-ready memo.
Request a packet →Not sure where leakage is highest?
Run the Local Dollars Planner.
Answer a few questions about your community, sponsor pool, merchant base, and local spending goals. The Diagnostic shapes a practical starting brief and recommends the right next step.