Let’s consider the following scenario. An employer gives its employee a voucher with some nominal value. That employee may redeem the voucher at any vendor/service provider (accepting such vouchers) for their goods/services. Upon redemption the vendor may charge the voucher issuer corresponding value, so that issuer and vendor become obligor and obligee respectively. Now let’s assume that participants of some Programme have agreed on using vouchers in the way that a participant may issue a voucher to some party and some participants of the same Programme may accept that voucher as a [partial] payment for their goods or services. Any accepted voucher should be posted to the System supporting the Programme (with the explanation staring with "voucher#") and corresponding obligation will be processed routinely.
A voucher should contain Programme name, Unit, Face value, Expiration date (if any), Name / ID of the party to which the voucher is given (if necessary) and must be protected from falsifying. It seems that QR code should be sufficient to describe a voucher. That code may be sent to the corresponding electronic device of the voucher’s holder. All issued vouchers should be stored in the corresponding Programme’s repository, and an issuer may have the option to revoke any non-expired voucher. When a voucher’s holder tries to redeem the voucher, its acceptor (some Programme Participant) should verify that voucher is valid (i.e. not-expired, -revoked, -redeemed or -transferred) and, if so, post corresponding deal to the System and provide requested goods or services to the voucher’s holder. That would require developing/adapting an app for processing of a voucher (scanned QR code) and posting corresponding data to the appropriate ARMO System. Such app should be installed at every potential acceptor of vouchers. Anonymous vouchers may be transferred from one holder to another by means of some other app developed for that purpose.
For example, coffee shops participating in a Programme with unit CAU may set prices of some of their products in both CAU and national currency. Any such shop may receive valid CAU vouchers as a payment for any qualified product, and every accepted voucher will become a receivable from the participant issued the voucher.