Cyclos offers a complete on-line banking system with additional modules such as e-commerce and communication tools. Cyclos is available in more than ten languages and used worldwide by many organizations and communities. The Cyclos platform permits a de-centralization of banking services that can stimulate local trade and development. Cyclos is used for Microfinance institutions, local banks (in developing countries) and complementary currency systems like LETS, Barter networks and Time banks. Cyclos is a project of the Dutch non profit organization STRO.