# Bion

> Credit that moves at your speed

Bion is a stablecoin credit provider. It gives eligible users a reusable credit line based on their wallet activity, for everyday spending and payments.

Bion is a stablecoin credit platform for consumers. Eligible users connect a wallet to check eligibility and receive a credit decision, then manage the agreement and repayment in one place. Disbursement and repayment are made in a stablecoin.

Underwriting looks at on-chain wallet activity across multiple EVM networks rather than a traditional credit file, and no hard credit check is required. Users borrow what they need, choose a short repayment tenure, and see their available limit reopen after repayment.

The credit line is offered through a web dashboard and a Telegram Mini App. It serves everyday spenders who want stablecoin purchasing power for travel, bills, and support for family abroad.

- Type: Company
- Sector: E-Commerce
- Status: Active
- Profile: https://thegrid.id/profiles/bion

## Products

- [Bion](https://thegrid.id/profiles/bion): Bion is a stablecoin credit line that uses on-chain wallet activity, not a traditional credit file, to decide eligibility and set a limit. Users borrow what they need, repay over a short tenure of their choice, and reuse the available limit. It is accessed through a web dashboard and a Telegram Mini App. (E-Commerce, Live, Main Product)

## Links

- [Main](https://bionapp.com)
- [Terms of Service](https://bionapp.com/terms-and-conditions)
- [Privacy policy](https://bionapp.com/privacy)
- [Twitter / X](https://x.com/bion_app)
- [Telegram](https://t.me/bionofficial)
- [Telegram](https://t.me/bion_announcements)
- [Medium](https://medium.com/bionapp)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP