<s>
Cyclos	B-Application
is	O
online	O
banking	O
software	O
for	O
microfinance	O
institutions	O
,	O
local	O
banks	O
(	O
in	O
developing	O
countries	O
)	O
and	O
complementary	O
currency	O
systems	O
like	O
LETS	O
,	O
TD4W	O
Credits	O
,	O
Barter	O
networks	O
and	O
time	O
banks	O
.	O
</s>
<s>
Cyclos	B-Application
has	O
the	O
following	O
functionality	O
:	O
</s>
<s>
Cyclos	B-Application
can	O
be	O
accessed	O
through	O
the	O
web	O
but	O
also	O
supports	O
mobile	O
phones	O
(	O
WAP/SMS	O
)	O
and	O
point	O
of	O
sale	O
(	O
POS	O
)	O
devices	O
.	O
</s>
