Credex solves the problem of small change for kombi rides and other small vendors in the informal sector. When you provide USD or ZIG to a VimbisoPay agent, VimbisoPay sends you a secured credex. Now you have a receivable, which will be cleared against secured credexes that you issue in exchange for rides or other services.

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Rural families are able to provide value in many ways. Some can provide vegetables or meat, some can do manual labour, some can make farm bricks, and others can provide other values. But the village school often does not need the values that families are able to provide, so it is impossible to trade these values for school fees.

But the teachers and other employees of the school, or others in the community, often do need the goods and services that parents can provide. With loops of value creation tracked with credexes, rural families can cover some or even all of their school fees by providing value to others in their community. If the family owes the school, and the school owes the teacher, and the teacher owes the family, the credex loop will close these payables against these receivables without money ever being required.