The credit lines are secured by members pledging assets which ensures that the currency is asset-backed. When two members enter into a transaction with both Swiss francs and WIR francs it reduces the amount of cash needed by the buyer; the seller does not discount its product or service.
The credit lines are secured by assets pledged by members, which guarantees that the currency is asset-backed. When two members engage in a transaction involving both Swiss francs and WIR francs, it reduces the amount of cash needed for the buyer while the seller does not discount their products or services.