White-label platform for trade & barter exchanges

Run your trade exchange
like it’s 2026, not 1982.

The ledger, the statements, the marketplace, instant QR payments at the counter, and a set of books that checks itself every night and tells you when something stops adding up.

Running a real exchange today Canadian tax built in Zero commission on your revenue
Today
GRIDLOCK
Bayview InteriorsT$9,400 held, nothing spent in 60 days
DAY 4
Northline SignsJoined 4 days ago, no first trade
NUDGE
Riverside CateringReminder due today
Match opportunities6
Gridlocked balances3
Credit deficit4
Dormant members9
The broker dashboard. Every row names a reason, and the ones you can act on by phone carry a call button.
Your Monday morning

A call list, not a spreadsheet

Legacy exchange software reports what happened. This one ranks who to phone and says why, including the failure that looks like success in every report you have ever run: the member sitting on a large balance who never spends it.

T$
Northline Signs & GraphicsNever spent. T$13,140 held. Budgets: Printing, Catering
T$13,140
Why this member surfaced
  1. A trade balance of T$500 or more
  2. Nothing spent in 60 days, or under a tenth of the balance in 90
The rule is printed because a broker should never be asked to trust a score they cannot read. The row also carries their budgeted spend lines, if they have done a Trade Health Check, so you know what to offer.
Capacity nudges, on the member’s own weekday. A daily sweep tags members whose nudge day is today. Your GoHighLevel workflow turns that tag into the message, in your voice, from your number.
The Trade-Fit Test. Five questions with a scored verdict and a decline script, so a prospect is qualified on paper before you spend a morning on them.
Quarterly goal conversations. On the first of the quarter a goal-conversation reminder is created for every active member, dated two weeks out, and it surfaces in your queue on its due date.
One keystroke to anything. A command palette over members and screens, with a jump straight to a member's transaction history.
The check your books never had

The books check themselves every night

A trade exchange is a small central bank, and the thing that quietly kills one is a set of books that stopped agreeing with itself months ago. So this platform runs four checks over every member every night, covering the last thirteen closed months, and stays completely silent unless something is wrong. The full history version of the same report runs on request.

TotalsEvery statement with a frozen register still agrees, on the trade side, with the entries it was computed over.
ChainEach month opens where the month before it closed. No silent gaps.
CoverageEvery settled entry appears on exactly one statement for each party.
Live tieLast statement plus everything since equals the balance showing right now.

When it finds something, it says so plainly

Ledger does not tie out, 1 break

Riverside Catering (2026-07): last statement plus activity since comes to T$4,180.00, live balance is T$4,225.00, difference T$45.00.

Reports only. It never repairs anything by itself.

It reports and it never edits. Repair stays a decision a person makes, because which repair is correct depends entirely on why it broke.

And it tells you what it cannot check

CANNOT BE VERIFIED

Bayview Interiors carries a manual adjustment that does not record which balance it moved, so this member cannot be replayed from the ledger.

Named every night until it is resolved.

A check that quietly skips what it cannot handle is worse than no check, because a clean report starts meaning nothing. This one counts what it looked at and names what it could not prove.

An open date field
January 14, 2026
12345678910111213141516171819202122232425262728
A statement your member already holds just changed.
This ledger
September 10, 2026
Closed months are refused. Record when the work happened in the service date instead.
January 14, 2026
The entry lands in September and still says the work was done in January.
The first of the month, while you sleep
6:00 AMStatements for the month that just closed, generated and emailed
7:00 AMThis month's fees posted
15 min laterA watchdog checks each step actually finished
NightlyFour checks over every member, last thirteen closed months
The close fires on each exchange's own clock, so 6:00 AM means 6:00 AM where your exchange is. Switched on per exchange, and off until you choose it. Ledger dates themselves run on Central Time today.
The document your members judge you by

A statement that says the same thing in five years

THE COMMERCE EXCHANGE
Monthly Statement · Account FT-23050414 · July 2026
SEALED
Trade availableT$6,431.73
Total cash due$86.12
SELL2329Courier services+62.16
BUYQR-1000036Counter payment−45.00
SELL2332Courier services+70.07
FEETransaction fees + GST−8.92
Emailed Aug 114 lines
=
Opened Dec 1214 lines
The emailed copy, the login view and the shared link all render one frozen list

When a month closes, its statement stores the exact entries it was computed over, and every view resolves from that list rather than asking the ledger again. Regenerating a past month from the Statements screen is the only route in the interface, and it is logged.

  • A late invoice cannot quietly appear inside a month you already filed
  • Every trade line carries an entry number, and the member’s own invoice number when they gave one
  • One function builds the register, so the email and the screen cannot drift apart
  • The open month stays live, because it is still moving

Brokers judge exchange software by one document. When the statement is trusted, the phone stops ringing.

The money controls

Credit, collections, fees and tax

Osborne FloristsT$2,500
Prairie Print Co.T$1,000
Riverside CateringT$3,000
Northline SignsT$1,500
7 changes, +$14,500 extended Apply

Credit you calibrate, not guess

The whole book on one screen. Change many lines, see the total exposure you are about to extend, then commit once with a reason that lands in the audit log.

Friendly reminder
Second notice
Final notice
Suspension

Collections in one click

Aging and the earned escalation level are computed for you, and a batch never sends the same level twice in one delinquency. The sending stays a button you press.

Trade, seller in MBGST 5%
Trade, seller in ONHST 13%
Trade, seller in BCGST + PST
Transaction feesGST

Canadian tax, per province

Trades resolve tax by the jurisdiction that applies to the selling member. Cash fees carry one flat rate set from your exchange’s home province. Tax reports come out per member or for the whole exchange.

Hiring without handing over the keys

A broker who cannot rewrite a balance

How many members one broker can carry is set by how much of the job they can safely hand to somebody else. Roles here are real capability sets enforced on the server, not labels on a screen.

MoneyTradesBillingMembersMarketLeadsSettings
Owner
Broker
Bookkeeper
Coordinator
Auditor
Broker posts trades and cannot adjust a balance.Broker cannot adjust a balance, post a deposit or reverse a trade.Auditor holds no write capability at all.
Dana WhitfieldCredit line for Osborne FloristsT$0 → T$2,5009:41 AM
Dana WhitfieldReversed invoice #23189:12 AM
Marc LevasseurFee schedule, transaction rate5% → 6%Yesterday
The activity log. Exchange settings record which field changed, not what it was set to, so an API key can never land in the log
  • Trades, reversals, payments, credit changes, collections and settings are logged
  • Credit line and fee changes record the value before and after
  • Opening a member’s account to help them is itself recorded, against both names
Your sales ammunition

What you hand a member on day one

Every item here is something you can demonstrate on a prospect’s phone while you are sitting in their shop.

SCAN TO PAY

Pay at the counter

A card by the till and a phone camera. The payer signs in once, and the seller’s screen shows it settled.

The Commerce Exchange. Your PIN?
4 8 2 1
Your balance is 1,240 trade dollars.

Phone banking

Members call and hear their balance, using a PIN they set themselves and the phone number on their account. Works from a flip phone.

No login needed

Statements that just open

Emailed monthly with a private link that opens one statement and needs no password. It does not expire, so treat it like the paper copy.

Commercial printing, signage, vehicle wraps
Northline Signs & Graphics
★★★★★ 12 trades

A directory that leads with what they sell

Search ranks members by what they offer, category chips narrow the list, and every card carries their top listings under the name.

75
Same category3 keywordsBudget overlaps

Want ads that get matched

A member posts what they need and the platform scores who can supply it, showing why each match scored what it did.

GIFT CERTIFICATET$50redeemable at the issuer

Gift certificates

Members reward staff and thank clients in trade dollars. Issued, gifted and redeemed on the exchange.

Phone banking uses your own GoHighLevel account for the phone number and the voice. This platform owns the PIN, the caller check, the balance it speaks and the directory ranking behind it.

Answer the hardest question in public

Publish the proof that your currency holds

Every serious prospect eventually asks the same thing: what is a trade dollar actually worth? It is a hard question to answer with anything but a feeling. You can answer it with four numbers computed from your own books, on a public page, every month.

  • Computed by the platform, never typed in. The match rate reflects want ads your members mark fulfilled
  • When there is not enough data to say, it prints nothing rather than guessing
  • Publishing is your decision, month by month
CURRENCY REPORTJuly 2026
1
Money supply disciplineTotal deficits against the month's volume
0.8x
2
Currency velocityMedian days from earning to next spend
21d
3
Balance concentrationShare held by the top tenth of accounts
34%
4
Broker match rateWant ads closed that were actually fulfilled
72%
Computed by the platform, never typed into the report.
The switch

A week, not a project

The reason exchanges stay on dead software is not love, it is fear of the move. So the move is run with you, not handed to you. Your opening balances are your old system’s closing balances, to the cent.

Monday

Books in

We import members and balances with you, set every credit line and fee deliberately rather than letting a default decide, and grandfather existing deficits so nobody is punished for history.

Tuesday

Brand on

Your domain, your logo, and email from your address as soon as your mail records verify. Until they do we keep sending from a verified address so nothing lands in spam.

Wednesday

Money runs

Fees, tax and approval rules set to match how you already operate. First statements generated and checked against your old system.

Thursday

Team seated

Your brokers, bookkeeper and staff get their own logins and their own roles. Counter cards printed for retail members.

Friday

First scan

A member pays another member by QR at a till, and your exchange is running like it is 2026.

yourexchange.com
app.yourexchange.com verifiedmail.yourexchange.com pending
You type the root once. The app can go live while mail is still verifying.
The network

Exchanges that can trade with each other

Two exchanges open accounts on each other’s books, the way correspondent banks do. A member of yours buys from a member of theirs, and one mutation moves four balances across two ledgers. Each exchange bills its own member and keeps its own fees.

Your ledgerBuyer −T$400Their correspondent +T$400
Their ledgerSeller +T$400Your correspondent −T$400
one mutation, both ledgers, one business day
0
Both correspondent balances move in one mutation, so they mirror each other
Your exchangePartner
T$4,200 exposedcap T$10,000
Checked before the entry is written. At the cap, trading stops.
  • Bilateral and capped. Your currency and your credit policy stay yours
  • Either owner pauses the arrangement, and trading stops immediately
  • The platform takes no position and holds no balance

Built, tested and wired into the payment path. No two production exchanges have cleared across it yet, which is precisely what a founding partnership is for.

How you’re protected

Built like the platform is the junior partner, because it is

Your currency is yours. Trade dollars are issued under your rules to your members. The platform cannot spend them, dilute them, or take a cut of them.
Your revenue is yours. One flat licence. No commission on your transaction fees, your monthly fees, or anything else your exchange earns.
Your members are yours. An exchange operator cannot open another exchange’s balances or statements. Exactly one module moves value across that line, the clearing code above, and only where a partnership is active.
Side by side

FutureTrade against the software you run today

CapabilityFutureTradeSee it
The books check themselves every nightThe four checks
Closed months cannot be posted into on the trade ledgerThe date field
Statements freeze to the lines they coveredThe statement
Month end runs itself, on your clockThe close
Members phone in and hear their balanceThe call
Instant QR payments at the counterThe counter card
Staff roles a server actually enforcesThe role grid
Your domain, your brand, your email addressTuesday
Trade with another exchange, capped and atomic (built, no production pair yet)The clearing diagram

Every row points at the section that explains it, and every one is something we will show you running at the walkthrough.

Who builds this

Built by people who run an exchange

FutureTrade is not a software company’s guess at how barter works. It runs The Commerce Exchange every day: real members, real statements, real collections calls. When something annoys a broker it annoys us first, and it gets fixed the same week, because we are the first user of everything we ship.

345
tests across the platform, all passing, roughly a third of them holding the ledger’s rules in place
postingPolicyJanuary is closed in August
noUtcLedgerDatesBlocks the ways a UTC date stamp has slipped into a money path before
maintenancePolicyA repair refuses rows already sealed into a statement
tieOutPolicyA month opens where the last one closed
These are unit tests over the rules, not end to end coverage of the whole app. Ask for the ones that matter to you at the walkthrough.
Pricing

One licence. Every feature. Zero commission.

$200/month per exchange
  • One price. No usage tiers, no per-seat upsells
  • Unlimited members
  • Your domain, your brand, your email address
  • No commission on your fees or your members’ trades
  • Founding partners: custom terms, grandfathered for good
Talk to us Billed yearly works out at two months free. Your terms are recorded on your own exchange, so a future price change never reaches you. Phone banking and the capacity nudges run on your own GoHighLevel account, which you buy directly from them.
Every question, answered

The things you’d ask before trusting us with your exchange

What happens to our existing balances and credit lines?

They come with you. We run the migration with you rather than handing you an importer: members, balances and credit lines come across, and existing deficits are grandfathered so no member is punished the day you switch. Your opening position is exactly your closing position from the old system, and we check the first statements against your old system before anyone sees them.

How would we know if our books stopped adding up?

The platform tells you. Every night it runs four checks over every member, covering the last thirteen closed months, plus a live tie against each member's most recent statement: that each issued statement still agrees with the entries it was computed over, that each month opens where the last one closed, that every settled entry sits on exactly one statement per party, and that the last statement plus everything since equals the balance showing now. It stays silent when everything agrees, it reports rather than repairs, and when a manual adjustment makes a member impossible to replay it names that member rather than skipping them quietly. The checks cover the trade ledger; cash due is reconciled on its own screen. A full history version of the same report runs on request.

Can a broker backdate an entry into a month we already closed?

No screen lets anyone choose the date on a trade. Trades post to the current business day, which the ledger runs on Central Time, and the server refuses any attempt to post a trade into a month that has closed. The monthly fee run is the exception: it still takes a month and a year, and posts its fee lines to the first of that month. When work was genuinely done earlier, the entry carries a service date that records when it happened without moving which month it lands in. Being straight about the edges: three cash-side operations still accept an operator-supplied date, and the nightly check reads the trade ledger rather than the cash ledger, so a backdated cash entry is caught by review rather than automatically. Closing both gaps is on the build list.

Do you take a percentage of our fees or our members' trades?

No, structurally. The platform's only revenue is the flat licence. There is no code path by which FutureTrade takes a commission on your transaction fees, monthly fees, or trade volume. Your revenue model is your business.

Our members aren't technical. Will this work for them?

It was built for a flower shop. Statements print on paper and arrive by email with a private link that needs no password, which is worth treating like the paper copy since it does not expire. A member can phone in and hear their balance spoken back to them, using a PIN they set themselves and the phone number on their account, which works from any handset including a flip phone. Almost everything a member can do, your broker can do for them. The PIN is the deliberate exception, because a broker who could set it could also use it.

Can we let a bookkeeper in without giving away the exchange?

Yes, and the roles are enforced on the server rather than hidden in the interface. A bookkeeper gets billing and balances but cannot post trades. A broker gets trades, members and the marketplace but cannot adjust a balance, post a deposit, reverse a trade or reach exchange settings. An auditor holds no write capability at all. One caution worth knowing: a seat with no role assigned is treated as an owner, so restriction is something you switch on per person.

How does trading with another exchange stay safe?

Every partnership is bilateral and capped. The two exchanges hold accounts on each other's books, and the exposure between them is capped by a number checked before an entry is ever written, so trading stops at the cap rather than being reported after the fact. Either owner can pause the arrangement and trading halts immediately. Today the platform introduces the two exchanges and sets the opening cap, and the invited owner accepts. The clearing code is built, tested and wired into the payment path, and no two production exchanges have cleared across it yet, so the first pair to do so set the terms.

What about GST and provincial taxes?

Canadian first. Trades resolve tax by the jurisdiction that applies to the selling member, since the supplier charges the tax, so a seller in Ontario and a seller in Manitoba are treated differently. Cash transaction fees carry one flat rate set from your exchange's home province. Tax reports come out per member or for the whole exchange. Barter is taxable, and your software should know that.

What if we want to leave?

You keep your books. We will produce a full extract of your members, transactions, balances and statements on request, and there are no exit fees. A self-serve export button is on the build list rather than shipped, so today this is a request you make and we fulfil, not a button you press.

See your exchange on FutureTrade before you decide anything

A live walkthrough on real production software: your fee schedule, your branding, a statement with your name on it. Not a slide deck.

Book a walkthrough