Trade skills without spending cash. Earn and spend credits across the platform.
SkillLedger replaces cash payments with a credit-based exchange system built for professional services. When you complete work for another member, you earn credits equal to the fair market value of your contribution. Those credits can then be spent on any service offered by any other member on the platform.
Unlike time-banking systems that treat every hour as equal, SkillLedger credits reflect the actual market value of specialized skills. A senior software architect and a junior copywriter both receive credits proportional to what their work would cost on the open market. This means you can exchange a few hours of high-value consulting for dozens of hours of administrative support, or vice versa, without anyone feeling shortchanged.
Every credit transaction is logged with a full audit trail. The platform tracks fair market values automatically and generates tax-ready documentation at year end, so you never have to guess what your exchanges were worth when filing your 1099-B.
Earn credits for every completed project based on fair market value
Spend credits on any service from any member, no direct swaps needed
Automatic FMV tracking eliminates manual valuation guesswork
1099-B-ready reports generated automatically at year end
Full transaction history with audit trail for every credit movement
Credits reflect skill market rates, not flat hourly equivalence
Credits are pegged to fair market value (FMV). When you list a service, you set a credit rate based on what that service would cost in cash. The platform provides market rate benchmarks from comparable services to help you price accurately.
Credits are designed for service exchange within the platform, not cash withdrawal. You can purchase additional credits with cash if you need services but have not yet earned enough through your own work.
Credits do not expire. Your balance carries forward indefinitely. There are no maintenance fees or balance decay mechanisms. Credits you earn today are available whenever you need them.
The IRS treats barter exchanges as taxable income at fair market value. SkillLedger tracks every transaction automatically and generates 1099-B-compatible reports at year end, making tax filing straightforward.
Compare SkillLedger and Simbi side by side. SkillLedger offers escrow, dispute resolution, and 1099-B compliance for professionals, while Simbi is a free community exchange with volunteer maintenance.
Compare SkillLedger credit-based skill exchange with Fiverr cash marketplace. Fiverr takes a 27.6% effective take rate while SkillLedger lets you keep the full value of your work.
Compare SkillLedger skill exchange with Upwork cash freelancing. Upwork charges up to 10% freelancer commission plus a 5% buyer fee, while SkillLedger enables direct skill-for-skill trades.
Credits held in escrow until both parties approve. No more trust gambles.
Verified credentials and earned badges that prove your professional track record.
Built-in workspace with messaging, file sharing, and project tracking. No external tools needed.
Browse, search, and match with professionals across 19 skill categories and 50+ cities.
Review the platform features, then see pricing to find the right plan.
Project Escrow Protection
Credits held in escrow until both parties approve. No more trust gambles.
Reputation & Badge System
Verified credentials and earned badges that prove your professional track record.
Real-Time Collaboration
Built-in workspace with messaging, file sharing, and project tracking. No external tools needed.
Evaluate your options side by side, then check pricing to find the plan that fits.
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