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Cyclos

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Cyclos is an open source online banking software used by microfinance institutions, local banks (in developing countries) and complementary currency systems like local currencies, LETS, trade exchanges and time banks. 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 throughout the world by many organizations and communities. The Cyclos platform permits a de-centralization of banking services that can stimulate local trade and development.

Functionalities:

  • Online banking tools;
  • E-commerce platform;
  • Business directory;
  • Referrals and transaction qualifications;
  • Messaging and notification system;
  • Call/support center logging;
  • Integrated management information system;

Cyclos can be accessed through the web but also supports mobile phones (WAP/SMS) and POS (Point Of Sale) devices. Cyclos can also enable SMS and card payments.

Cyclos is a product of the Dutch non-profit organization STRO. Up to version 4 Cyclos has been completely open source. The latest release of Cyclos is licenced but no royalites are charged to non-for-profit organisations who enter into an agreement about the use of Cyclos with STRO. 1

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