Treasury POCITS Treasury · Community banking infrastructure · Zero-fee exchange · Reserve capital · Advertising index · Enterprise investment · Your pocit wallet

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About
POCITS Treasury

Five instruments.
One community economy.

The POCITS Treasury is the financial backbone of the network — a suite of community-owned instruments for banking, payments, pricing, investment, and personal accounts. No external shareholders. No extractive fees. The economy serves the community that built it.

5Instruments
0%Processing Fees
<3sSettlement
100%Community-Owned

The Instruments

Your community's financial infrastructure

Each instrument operates independently and in concert — capital held in Reserve flows through Exchange, priced by Index, invested through Enterprise, and spent from your Wallet.

Reserve Community capital & county banking

The foundation of the pocit economy. County reserve banking manages community capital allocation, fiscal governance, and the lending infrastructure that keeps local money circulating locally.

Explore Reserve Index Advertising pricing & rate-setting

Transparent, community-driven advertising rates. The INDEX sets the pocit price floor and ceiling for every category of advertising in the network — preventing inflation and keeping access equitable.

Explore Index XCHG Zero-fee community exchange

Spend and receive pocit instantly. XCHG is the payment and settlement layer — zero processing fees, sub-3-second confirmation, and 80% of revenue stays within your county economy.

Explore XCHG Enterprise Community investment infrastructure

Connect community capital with local enterprise. ENTERPRISE provides the investment infrastructure for organisations to raise funds, issue equity-like instruments, and report to the community that backs them.

Explore Enterprise Wallet Your personal pocit account

Earn, spend, and manage your community currency. Open in under three minutes — no credit check, no minimum balance, no monthly fees. Your account is yours the moment you open it.

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Community-owned, not corporate-controlled

No external shareholders extracting margin. The Treasury is owned and governed by the network it serves.

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Settlement in seconds, not days

Pocit transactions confirm in under three seconds. No clearing houses. No float. Money moves when you send it.

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No gatekeeping

No credit checks, no application fees, no approval required. Financial infrastructure that includes everyone by design.

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Local money stays local

80% of pocit network revenue is returned to the county economy it came from. Capital circulates where it is generated.

Your community's money.
Start earning and spending it.

Open a free pocit wallet and start participating in your county's community economy today.

Open Your Wallet → See How XCHG Works