Exchange POCITS Exchange · Community money, built differently · Zero processing fees · Under 3-second settlement

pocitExchange

Open Your Account About Exchange
About
POCITS Exchange

Your community. Your money.
Your exchange.

POCITS Exchange is where community advertising revenue becomes community purchasing power — and where businesses receive payment in seconds, not days.

Zero Processing Fees <3 Second Settlement 80% Revenue Stays Local
Open Your Account →
$0Processing Fees
<3sSettlement
80%Stays Local
T+1Fiat Settlement

Community Money

Not what you've been told money is.

POCITS Exchange doesn't fit the existing categories. Here's what it isn't — and what that means for your community.

Not a crypto wallet

Backed by your community's economy — not speculation.

Your XCHG account holds Pocit time — the advertising currency of your community. It's backed by real economic activity in your county. Not a token that trades on sentiment.

Not a bank account

No minimum balance. No fees. No approval required.

Open an account in under 3 minutes with your phone or email. No credit check. No application. No monthly fees. Your account is yours the moment you open it.

Not a corporate system

Zero fees for merchants. Spending stays in the county.

Every Pocit transaction has zero processing fees. Next-day fiat settlement through your credit union. When money moves through XCHG, it stays in your community — not in a corporate treasury.

Get Started

Three ways to join the community economy.

Start where you're ready. Upgrade when you want to. No obligations at any tier.

Tier 0 — Browse

Explore first. No account needed.

The full POCITS platform is publicly readable. Explore the community economy, read the constitution, and understand how it works before you commit to anything.

  • Full portal and content access
  • No account required
  • No obligations
Explore the Platform
Tier 1 — Financial Card Account

Your community card. Your QR code. Ready in minutes.

Start with a financial account — no social profile required. Open with your phone or email. Receive and send payments. Accept payments as a merchant. This is the fastest way in.

  • Phone or email sign-up
  • Receive & send Pocit payments
  • Accept payments as a merchant
  • Your personal QR code
  • Under 3 minutes to open
Get Your Card →
Tier 2 — Full Platform Member

Unlock everything. Your full community presence.

Add a profile to activate the full platform — your business directory listing, community presence, advertising account, and governance participation.

  • Full profile + directory listing
  • Advertising access
  • Governance participation
  • All hubs and community features
Join the Platform →

For Merchants

Accept community payments. Zero fees.

No hardware. No app. Just your phone camera.

Customer scans
⬛

Their community QR code

Balance: 7 Pocit ≈ $140

Every XCHG account holder carries a unique QR code. No app required to display it — it lives in their account on any browser.

You receive
💳

Fiat next business day

Settlement: Credit union. T+1.

  • Zero processing fees
  • No hardware required
  • Existing phone camera
  • Credit union settlement
WeCare participants in your community have purchasing power through the platform. Every business that accepts Pocit payments becomes a participating merchant — discoverable in the county directory, zero cost to start. Your existing customers find you. New community customers find you too.
Become a Merchant →

Financial Commons

Everything in your community's financial commons.

XCHG isn't just an exchange. It's the discovery layer for every financial service the platform provides.

⏱
Time Trust Coming soon

Deposit Pocit time and earn yield from community activity

 📊
County Reserve

See your county's reserve balance and growth trajectory

 🏪
Merchant Directory Coming soon

Find businesses that accept Pocit payments near you

 💱
Exchange Rates Coming soon

Live rates between Pocit, select stablecoins, and fiat

 🌱
Grant Programmes

WeCare, County Enterprise, and community development grants

 🏦
Credit Union Partners Coming soon

Where to get a community card with full fiat integration

The Backing

Your exchange is backed by your county.

Every POCITS county has a Reserve — a permanent community treasury funded by 80% of local advertising revenue. The county Reserve is the primary liquidity anchor for XCHG in your community.

It doesn't speculate. It doesn't borrow. It grows from real economic activity — the same activity happening in your community every day.

When you exchange Pocit time, your county's Reserve ensures there's depth in the market. Not because a corporation decided to back it — because your community built it.

Learn about the County Reserve →

Chamber of Commerce

Zero fees. Next-day settlement. Community visibility.

Why businesses across North America are joining POCITS.

Zero Processing Fees
vs. 2–3% credit card processing

Every Pocit-to-Pocit transaction costs nothing to process. No hidden charges, no monthly minimums.

T+1 Fiat Settlement
next business day, credit union

Receive fiat currency through your local credit union the next business day. No waiting.

Free BOOK Directory
your listing, discoverable by all members

Every merchant account includes a PocitBook listing — discoverable by every member in your county.

WeCare Customer Base
new customers with real spending power

WeCare participants in your community receive Trust Accounts with real purchasing power at your register.

First merchant testimonial — reserved for Brantford launch.

Set Up Your Merchant Account →

Architecture

Your account is yours. Not ours.

Not a privacy policy. Architecture.

Data Sovereignty

Your financial data lives on your card.

Delete it and it's gone. The platform cannot source your financial data without your explicit consent. Constitutional rule — not policy.

Constitutional Limits

The platform cannot access your data without your key.

POCITS is constitutionally prohibited from accessing your personal financial data without your explicit consent. Not a policy that can be revised. Architecture.

SMARTS Governed

Every transaction is constitutionally auditable.

Every financial transaction flows through the SMARTS governance layer. Transparent, auditable, democratic. You can read the rules that govern your account — they're published on the platform.

Read the POCITS Constitution →

Get Started

Ready to join the community economy?

Two paths in. Choose the one that fits where you are right now.

Path A — Fast Track

Financial Card Account

For individuals, emerging merchants, and WeCare participants. Phone or email. Under 3 minutes. No social profile required.

Get Started →
Path B — Business Account

Full Merchant Account

For established businesses, Chamber members, and corporate profiles. Full merchant account, BOOK directory listing, and advertising access.

Set Up Your Business →

Questions

Frequently asked.

Is this a cryptocurrency?
No. Pocit is the advertising currency of your community. It's backed by real advertising revenue — not speculation. You can exchange it for fiat currency next business day through your local credit union.
Do I need a crypto wallet?
No. Your POCITS account is all you need. We handle the settlement layer — you never need to interact with any blockchain infrastructure. The exchange happens in under 3 seconds. You see it as a balance change.
What are the fees?
Zero processing fees for Pocit-to-Pocit transactions and for WeCare merchant settlements. A small spread applies for exchanges involving select stablecoins or fiat conversion at time of transaction.
Where does my money go when I spend Pocit?
To participating merchants in your community. 80% of the advertising revenue that backs Pocit stays in your county reserve. Community money stays community. Every transaction you make supports local economic circulation.
Is POCITS Exchange available in my area?
POCITS is launching across North America county by county. If you'd like to be notified when your county goes live, or to bring POCITS to your community, contact us here.
Can I convert Pocit back to dollars?
Yes. Through the Time Trust and credit union bridge, Pocit time can be converted to fiat currency. Settlement is next business day through a participating credit union partner.