Welcome to the Cyclos Innovations Demo

This demo shows how a local government can increase the impact of its purchases, subsidies, tenders and welfare payments towards struggling local SMEs. 

Watch this video for an explanation on how the demo works and this video about the idea behind the Cyclos Innovations

You can register here as a company user. The only thing needed for signing up is a valid e-mail address.
If you already have registered or if you want to login with a pre-configured demo account you can sign-in here.  
  • Pre-configured demo account of a company: login name "tim", password 1234.
  • Pre-configured demo account of a local government: login name "gov1"and password "1234"
  • Pre-configured demo account of the bank administration: login name "bankv"and password "1234"

Cyclos innovations
Cyclos software delivers high quality mobile wallets to millions of clients of various banks around the world. Less known are these Cyclos innovations:

  1. Local accounts with specific conditions. Create subgroups within one user group and deliver each subgroup targeted accounts with specific conditions. This allows financial institutions to offer local accounts.
  2. Make money circulate more often between local companies by earmarking money entering a subgroup with a timetracker. Until a certain date has been reached, the money cannot be transferred to other accounts outside that subgroup. 
  3. A fee to stimulate money circulation. A fee can be charged on local accounts where income earned is not spent with others, but hoarded - i.e. a fee is charged as long as the earned money is not spent at another acount in the same subgroup.
  4. Counter cyclical credit. Suppliers in need of new clients cooperate with businesses that need credit. The credit is interest free, to boost both credit volume and repayment rated.

If you encounter any problem with the Cyclos Innovation Demo please report it at our forum.

Payment methods

Internet banking

Do payments, browse your account history or find products are just some of the many online features.

Mobile app

Rebrand our mobile app to offer your clients a complete internet banking app.


Do payments by sending sms keywords or other custom commands.


Cyclos can also be used using USSD commands on any phone.


Interactive Voice Response: do payments, get account and payment information by calling a number.


Pay with our app to a printed QR code. Or generate a QR code on our app to receive payments.


Multiple identifiers supported. E.g. pay to: name, email, phone number, account number or qr code.


Pay by holding an NFC card to an android device to do quick and secure payments.

Enterprise software

Scalable & reliable

Clusterable solution with high availability, load balancing & caching. Also available as docker image.

Open API

Interface with third party systems using the RESTful Web Services and Open API.

Highly configurable

Create a tailor made solution. Manage translations / content / configurations online and add your own features using the Cyclos scripting engine.


Strict implementation of security standards and guidelines such as defined by the ISO 27002, PCI and EBA. Security is the basis of the Cyclos architecture.

Banking features

Multiple currencies

Create multiple currencies and create accounts and transaction types for this currency.

Advanced payments

Pay to unregistered users (email/SMS), requests or schedule payments, payment authorizations, etc.

Multiple transaction types

Add payment fields and many rules to transactions. Such as PINless payment thresholds, max/min transaction amount, allowed on channels and user identification methods and much more.

Account & Transaction fees

Monthly contributions payments, demurrage, interest payments, flat or percentual transaction fees and custom fee calculations (with script extension point if needed).

And much more...


Complete e-commerce module: marketplace, webshop & shopping cart, promotional price, stock management and ad alerts.


Business directory on map, find business / products / services nearby, wordpress plugin with business directory.


Run you loyalty system using Cyclos including: e-vouchers, loyalty points, business referrals, cards, etc.


Easily add profile fields to users (14 available data types) and create records with custom fields.

Analytics & Reporting

Live payment wall and user balances monitoring. Reports on: payments, expenditures, income, user logins, percentages of non trading user, etc.

Custom passwords

One Time Password (OTP) by email/SMS, random virtual keyboard, fingerprint (app). Define your own custom password types.

Award winning software

As early as 2014 the payment industry awarded Cyclos at the TRANSACT conference for being the most innovative payment software.