Consumer Commerce Circuits
"C3: Consumer Commerce Circuits
C3 is a network of independent companies with an internal accounting system where digital units are transferred when transactions between members are realised. Just as in barter-networks no conventional money is needed for these transactions. An important difference between C3’s and Barter Networks is the inflow of consumer money in the C3 network, which permits the (total or partial) convertibility of Internal Units into money, under reduction of a fee.
The exchangeability of the units are guaranteed by a financial institution. Since there is always a lot of units circulating in the system, an abundance of cash is stored in the bank, which can be made available for a low-cost credit program (in money) to finance investments by the member companies." (http://www.strohalm.net/en/ccc.html)