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Regional currency, self-created, for all regions

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Minuto for businesses and freelancers

Here you will find hints on how to use Minuto in a business environment, what things you need to know and what benefits you will get from it.

What are the advantages for companies?

  • the price of own products and services becomes more attractive in the region
  • protects own business from cheap offers and global corporations
  • attracts new customers who consciously choose one's own company
  • good for one's own reputation, as one actively promotes the region
  • free and effective advertising on the back of the Minuto vouchers

**By using a regional means of payment, you support positive effects such as

  • sustainable, ecological business
  • more small regional stores, traders and old handicrafts
  • money stays in the region, regional labor becomes “cheaper
  • increasing and traceable quality of products
  • increasing prosperity and quality of life in the region
  • and much more …

Set the acceptance perimeter for Minuto vouchers

Minuto voucher

Since Minuto are issued in different regions, you should consider from which region or area you accept Minuto vouchers. In the figure, under point 3, the postal code of the region where the Minuto voucher was issued is indicated.

In the region or in the postal code area where the Minuto was created, they have the best acceptance and the further away, the more difficult it is to spend them again. For example, if you have a store, you can put a sign stating from which postal code area you accept Minuto.

The size of the radius from which one accepts Minuto can, of course, also increase over time due to new business contacts in new regions. In this way, it may be easier to issue Minuto from this new region.

How to use or circulate Minuto

Using Minuto in practice is pretty simple. To start, you need to agree on an exchange rate with others in your region, see How to exchange. Later, when the exchange rate becomes more widespread in the region, a rate will arise on its own.

For example, if your business sells something for EUR 50 then you take the appropriate value in Minutos in and register it at EUR 50 of cash in your accounting. If these Minutos are spent again, it is booked at the appropriate value in EUR.

In the beginning, especially in a business environment, it may be necessary to book Minuto properly into the cash register, for example, to have change in the form of Minuto. Since Minuto are newly created by a human, it is possible, for example, to simply have a private deposit made by that human. This person or you as a business owner thus lends money to the business in the form of Minuto.

For example, if 100 Minuto are deposited in the cash register as “change”, it is a private deposit/loan of the appHow to exchange. Thus, these own Minuto then come into circulation in the form of change. Exactly in such a way they can be taken then later again by a private withdrawal and/or repayment of the loan from the cash.

Another way to circulate your own Minuto is, of course, simply to spend your own Minuto privately at other acceptance points.

It is important to know that you may only bring your own Minutos back into circulation if they are still valid for more then three years, see rules. Otherwise you must withdraw them from the cash register as a private withdrawal and then destroy them.

How to use Minutos as an advertising opportunity

Naturally, an advantage of Minuto is that you can use the back for advertisement of your own business. Compared to other advertising opportunities, this advertising is given from hand to hand and is not thrown away, since it is a voucher that can be redeemed again at the company.

In addition, the reputation for your business increases, since the ad shows that your company is actively engaged for the region. This promotes that you keep money in the region, prot the environment, strengthen small businesses, and so on. In short, you promote all the benefits that come from having a regional currency like Minuto.

Please notice that only people can provide a service even if you put advertisement for your business on your Minutos. Thus, although Minuto can be created with a company stamp, it is advisable that it shows the name of a human being, e.g. the CEO. Ultimately, the person who signs for it is liable for the time that is written on the voucher. In the event of the company's insolvency, this person must then provide the corresponding service for the Minuto that are still in circulation.

Accepting Minutos as a share only

Especially when launching a regional currency there is the problem that the first business participants may not find enough participants who accept Minuto. Thus, Minuto can accumulate quickly and the income of the official currency is missing, e.g. to pay expenses or taxes. This can be circumvented by accepting only a share in Minuto.

For example, if your business is part of an industry where products are sold with a low margin, you could accept only 20% in Minutos. So if a customer makes a purchase of EUR 100, then only EUR 20 can be paid in Minuto. If every 10th customer pays with Minuto, then you have taken only 2% of the sales in Minuto and can build new business relationships with other companies that accept Minuto with less pressure.

In the service sector, the share can also be much higher at the beginning, for example 50%, because the overhead costs are much lower there. Even if it is only a share that is accepted in Minuto, one makes a clear contribution that money is bound regionally and thus the many advantages for the region and environment come to light.


Fiscally, the income with Minuto is easy to handle: Minutos that are taken are converted normally with the respective exchange rate in the official currency (see How to exchange) and that is the amount that you taxed.

Minuto cash box

In order to make all business transactions with Minuto as efficiant as possible and to be legally and fiscally compliant, the idea of a parallel Minuto cash box has developed. This is an important concept for business use and easy to apply, especially for small businesses. If you are aiming for business use, you almost can't avoid this concept. For details see Minuto cash box.


See our frequently asked questions or post a comment.

en/business_use.txt · Last modified: 2022/06/28 22:03 by david