Since mutual credit networks are built around the principle of debt repayment in-kind, they carry additional risks that are absent from traditional lending scenarios. While a traditional creditor anticipates debtors’ ability to repay debt in the same form they have received credit in (fiat currency, in most cases), the administrator of a mutual credit network also needs to trust that goods provided and services rendered by debtors will meet effective demand within the trading network. If a member has consumed credit, but is unable to offer in return goods and services that meet the needs and wants of their peers, they consequently run the risk of default, even if their financial position is healthy on paper.