Moneko - Monnaie locale de Loire-Atlantique

Name

Moneko - Monnaie locale de Loire-Atlantique

Legal name

Association MLC44 (Monnaie Locale Complémentaire de Loire-Atlantique)

Website

https://moneko.org

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Complementary Local Currency

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

International / Multi-Currency Wallets (FSAMAEAL)

akta.pro secondary industry

Custodial Wallets & Hosted Accounts (exchange/fintech custody, omnibus wallets) (FSAPACAC)

Keywords

• Local complementary currency
• Community currency network
• Social solidarity economy
• Alternative payment system
• Citizen monetary tools

Headquarters

HQ city

Nantes

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Annual membership fees (cotisations annuelles): Moneko operates as a loi 1901 association (MLC44). Revenue is generated primarily through annual membership fees from individuals, professional partners, and local government members. Membership fees are the primary funding source, supplemented by donations. Membership is mandatory to use the local currency per the ESS law of 31 July 2014.
2. Donations: The association accepts donations in both euros and Moneko to support the project's operations and mission. Donations can be made via the website or directly through the Moneko app.
3. RSE/CSE/COS services: Moneko offers an RSE (Corporate Social Responsibility) / CSE (Comité Social et Économique) / COS (Comité d'Œuvre Sociale) package for companies and organizations, including gift vouchers in local currency and workshops such as the 'Fresque de la monnaie' (monetary fresco), as part of its professional services offering.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Moneko is a complementary local currency (Monnaie Locale Complémentaire et Citoyenne) operating exclusively in Loire-Atlantique, France, pegged 1:1 to the euro and backed by deposits in ethical banks (La Nef and Crédit Coopératif). The currency is issued in two complementary formats—a smartphone application for digital payments and 7 paper coupon denominations—and circulates within a network of 250+ approved professional partners and individuals who have signed a shared values charter focused on local commerce, short supply chains, and ecological transition.

Product overview

Moneko operates as a unified local complementary currency ecosystem consisting of two complementary payment formats: a digital currency accessible via smartphone application (iOS and Android) and physical paper bills/coupons exchanged at designated change counters. The ecosystem is supported by an interactive partner directory/map, free educational workshops and training programs, and corporate social responsibility (RSE/CSE) packages for businesses. The currency is designed to strengthen local commerce, short supply chains, and ecological/social transition in Loire-Atlantique while remaining non-speculative and without savings function, pegged 1:1 to the euro.

Differentiator

Problem solved

Functional benefit

Products and services

• Moneko Digital Currency (Mobile Application) Digital local complementary currency accessible via smartphone application on Google Play and App Store, allowing members to make peer-to-peer Moneko payments within the network of approved partner businesses.
• Moneko Physical Bills/Coupons Paper currency in 7 coupon denominations exchanged for euros (cash or check) at designated change counters (comptoirs de change) across Loire-Atlantique or at the association's Nantes headquarters, providing a physical alternative to digital Moneko payments.
• RSE/CSE/COS Corporate Offer Corporate social responsibility service package for companies and organizations that includes Moneko gift vouchers, employee partial salary payments in local currency, and 'Fresque de la monnaie' (currency fresco) awareness workshops for team-building and ESG engagement.
• Education Populaire et Formation Free educational workshops and training on local currency topics including 'Découvrir Moneko' (introductory understanding of local currency stakes) and 'Développer Moneko' (Ambassador training) programs delivered quarterly in Nantes and throughout the department.
• Interactive Partner Directory and Map Interactive web-based map and directory listing all 250+ partner businesses across Loire-Atlantique that accept Moneko, helping users locate accepting merchants by geography and category.

Quantifiable outcome

• 380,000 Monekos in active circulation; 1.4 million exchanged in 2025 (5x growth in 5 years)
• +5 more outcomes

Named customers15 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Twelve partnerships are on record, tiered minor, core and major.

• VendéO (monnaie locale de Vendée)minorStrategic or Co-development Partner · 31 December 2025At the end of 2025, Moneko and VendéO signed a partnership convention allowing paper coupons of both currencies to circulate in both Vendée and Loire-Atlantique, expanding the usable territory for holders of both currencies.
• LokavalutocoreTechnology or IntegrationLokavaluto is an association that develops open-source digital commons for the ESS (Économie Sociale et Solidaire) ecosystem supporting alternative monetary and economic systems such as Complementary Local Currencies (MLCC) and Food Security programs. Moneko actively participates in and contributes to the Lokavaluto consortium, and credits Lokavaluto for website credits.
• CRESS Pays de la LoirecoreStrategic or Co-development PartnerCRESS (Chambre Régionale de l'Économie Sociale et Solidaire) des Pays de la Loire is a key regional partner. Moneko participates in CRESS-organized events such as WEBECO webinars alongside CAP Tiers-Lieux, and collaborates on promoting the ESS ecosystem.
• Nantes MétropolecoreStrategic or Co-development PartnerNantes Métropole is a member collective of Moneko and part of the ADEME-funded consortium. The metropolitan authority supports the local currency as a tool for economic development and ecological transition within its jurisdiction.
• Département de Loire-AtlantiquecoreStrategic or Co-development PartnerThe Department of Loire-Atlantique is a member collective and institutional supporter of Moneko. It participates in the ADEME-funded project consortium and supports the currency as part of its regional development strategy.
• Les EcossoliesmajorStrategic or Co-development PartnerLes Ecossolies is a major ESS ecosystem actor in Loire-Atlantique. Moneko collaborates with Les Ecossolies on shared initiatives and events, and the organization's network is referenced in Moneko's partner ecosystem.
• CAP Tiers-LieuxmajorStrategic or Co-development PartnerCAP Tiers-Lieux (Collectif porté par CRESS Pays de la Loire and several ESS actors) collaborates with Moneko on WEBECO webinars introducing local currencies to third-place managers (tiers-lieux) and the broader ESS ecosystem.
• Mouvement SolcoreStrategic or Co-development PartnerMouvement Sol is the national movement for complementary local currencies in France. Moneko participates in its activities, and its coordinator (Ingrid-Hélène Guet) participated in a table at Moneko's 5-year anniversary event. Moneko also co-signed a tribune defending ADEME with Mouvement Sol.
• TERROIRS 44majorStrategic or Co-development PartnerTERROIRS 44 is a network of local producers and farm shops in Loire-Atlantique. Moneko is used at producer markets (e.g., Marché Paysan de l'Île at Solilab) and at the Magasin de la Ranjonnière, which is part of the TERROIRS 44 network.
• VRAC Métropole NantesmajorStrategic or Co-development PartnerVRAC Métropole Nantes is developing Caisses communes de l'alimentation (Food Commons) in Loire-Atlantique, prefiguring a 'Sécurité sociale de l'alimentation'. Moneko provides the monetary tool for these food democracy projects, supported by ADEME.
• Le SolilabcoreStrategic or Co-development PartnerLe Solilab is the coworking and social innovation space in Nantes where Moneko's headquarters (siège social) is located (Bureaux 8 et 16, Porte Jaune). It is also home to the weekly March Paysan market where Moneko circulates actively.
• MIN de Nantes (Marché d'Intérêt National)minorStrategic or Co-development PartnerThe MIN de Nantes is part of the ADEME-funded consortium supporting Moneko's local food project. It participates in efforts to connect local agricultural producers with Moneko-accepting businesses.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Vendéo: Vendéo is the complementary local currency of the Vendée department and has just signed a 2025 convention with Moneko for mutual paper-coupon acceptance. It is a directly comparable French MLCC of similar scale and structure, operating in the immediately adjacent territory.
• La Mouche: La Mouche is the complementary local currency of Sarthe / Le Mans / Pays de la Loire region, geographically adjacent to Moneko's territory. It operates under the same ESS legal regime with a comparable association-governed model, dual digital/paper format, and local-merchant network, making it a directly comparable French MLCC peer.
• La Pêche (Montpellier): La Pêche is the MLCC of Montpellier and the Hérault department. It is a directly comparable peer as another mid-sized French MLCC under the ESS framework, with similar community-led growth, ethics charter, and local-merchant acceptance model.
• L'Olivier (PACA): L'Olivier is the complementary local currency of the Provence-Alpes-Côte d'Azur region. It is a directly comparable French MLCC peer under the loi ESS 2014, with a similar association-based structure, member values charter, and 1:1 euro peg model.
• Sol-Violette: Sol-Violette is the MLCC of Toulouse and Occitanie, run as a loi 1901 association under the same ESS framework as Moneko. It is a directly comparable peer in terms of governance model, member/merchant network, and educational mission around local economic transition.
• Chiemgauer: Chiemgauer is one of the largest and longest-running regional complementary currencies in Europe, operating in the Chiemgau region of Bavaria. It is a directly comparable peer in terms of regional MLCC design, 1:1 euro peg, network of accepting merchants, and educational mission, and serves as a useful international benchmark for Moneko.
• Le Léman: Le Léman is the complementary local currency of the Léman / Haute-Savoie / Geneva-cross-border region. It is a directly comparable French MLCC peer running a similar association-based, ethics-charter-governed model with paper and digital formats.
• Eusko (Euskal Moneta): Eusko is the complementary local currency of the Pays Basque / Northern Basque Country and is widely cited as the largest MLCC in France by volume. It is a directly comparable MLCC operator under the same loi ESS 2014 framework, serving a comparable member/merchant network with similar 1:1 euro pegging and ethical-banking reserve structure.

Others

• Crédit Coopératif: Crédit Coopératif is one of Moneko's two ethical-banking reserve partners where euros exchanged for Moneko are deposited and guaranteed. It is not a competitor but an enabling infrastructure provider in the same ESS ecosystem, supplying the regulated banking rails that Moneko's currency model depends on.

Broad incumbents

• Mouvement Sol: Mouvement Sol is the national French movement and umbrella network for complementary local currencies. It is a broad-incumbent peer because it operates across the entire French MLCC ecosystem — of which Moneko is a member — rather than competing as a single local currency; Moneko's coordinator has participated in its events and joint advocacy (e.g., defending ADEME).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MonekoMLC44
• LinkedInlinkedin.com/company/moneko-monnaie-locale-de-loire-atlantique

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

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Frequently asked questions about Moneko - Monnaie locale de Loire-Atlantique