I have been working on this very problem for 6 years... www.tetla.com -- I've posted about it a little bit here... It's a local currency that is designed to keep the same price/value as the local fiat... but which is also traded in electronic format on the counterparty exchange. So far we have about 200 people participating here in Victoria BC Canada, and 30 or so busineseses including some restaurants, high end clothing store, medical marijuana business etc... We were also endorsed by world famous environmentalist activist and scientist Dr.David Suzuki.