# Creditcoin

> Deploy once, read every chain

Creditcoin is a layer 1 blockchain network for recording and verifying credit and cross-chain transaction data. It supports fintech lenders, developers, and institutions building interoperable, on-chain credit and multichain applications.

Creditcoin is a layer 1 blockchain network, EVM-compatible, built to record credit transactions and support cross-chain smart contract execution. It provides a public, tamper-proof ledger for loan and credit data, giving borrowers in underserved markets portable, verifiable credit histories, while also serving as general infrastructure for applications that need to read and act on data across multiple blockchains.

The network's Attestcoin Protocol lets smart contracts verify data from other chains using cryptographic proofs instead of bridges or centralized oracles, reducing points of failure for cross-chain applications. Credal, an on-chain credit API, lets fintech lenders and financial institutions record, query, and analyze loan transactions on Creditcoin without operating their own infrastructure, building on the network's original credit bureau function dating to its 2017 mainnet launch.

Creditcoin supports an ecosystem of applications including Credit Wallet for asset storage, PenguinBase as a launch pad, PenguinSwap and PenguinBridge for decentralized trading and cross-chain transfers, and Swap CTC for token distribution. The network is used by fintech lenders, developers deploying cross-chain smart contracts, and investors participating in on-chain credit and DeFi activity across emerging and global markets.

- Type: Network
- Sector: Blockchain Platforms
- Status: Active
- Founded: 2017-01-01
- Profile: https://thegrid.id/profiles/creditcoin

## Products

- [Creditcoin](https://thegrid.id/profiles/creditcoin): Creditcoin is an EVM-compatible Layer 1 blockchain that records and verifies credit and loan transaction data on-chain. It uses a proof-of-stake consensus mechanism and supports standard Ethereum tooling and smart contract languages, enabling developers to build decentralized applications including credit, DeFi, RWA, DePIN, and gaming use cases. The network includes a built-in cross-chain execution layer, Attestcoin, that lets smart contracts read and verify data from other blockchains without bridges or oracles. Native staking lets CTC holders delegate to validators to secure the network and earn rewards. (L1, Live, Main Product)
- [Attestcoin Protocol](https://thegrid.id/profiles/creditcoin): Attestcoin Protocol is a cross-chain execution layer built into the Creditcoin network that lets smart contracts read, verify, and act on data from other blockchains. It uses cryptographic proofs instead of bridges or centralized oracles, removing a single point of failure from cross-chain data verification. Developers deploy Attestcoin Smart Contracts to coordinate state across multiple chains for applications spanning DeFi, RWA, DePIN, and gaming. (Cross-chain Infrastructure, Live)
- [Credit Wallet](https://thegrid.id/profiles/creditcoin): Credit Wallet is a non-custodial mobile wallet for the Creditcoin ecosystem, available on iOS and Android. It lets users store and swap EVM tokens, manage Creditcoin and EVM NFTs, and access ecosystem dApps and games without leaving the app. The wallet supports multiple addresses from a single seed phrase, cloud-based wallet import, and configurable gas fee management. (Wallet, Live)
- [PenguinBase](https://thegrid.id/profiles/creditcoin): PenguinBase is a web platform serving as a gateway to the Creditcoin ecosystem, hosted at its own domain. It aggregates on-chain games, token airdrops, and decentralized applications for the CTC community to discover and use. Users access the hub to play, earn rewards, and engage with ecosystem projects built on Creditcoin. (Launch Pad, Live)
- [PenguinSwap](https://thegrid.id/profiles/creditcoin): PenguinSwap is a decentralized exchange built on the Creditcoin network for swapping tokens within the CTC ecosystem. It uses an automated market maker model to determine prices and facilitate trades between users without an intermediary. The exchange charges no platform fees, with users paying only standard on-chain gas costs. (Decentralised Exchange, Live)
- [PenguinBridge](https://thegrid.id/profiles/creditcoin): PenguinBridge is a cross-chain bridge supporting transfers of CTC, SPACE, and other ecosystem tokens between Creditcoin, Ethereum, and BNB Chain. It charges zero bridging fees and roughly half the frontend fees of comparable solutions, with proactive error handling built into the transfer flow. Users move supported tokens between these networks without relying on a centralized exchange. (Bridge, Live)
- [Swap CTC](https://thegrid.id/profiles/creditcoin): Swap CTC is a migration tool that lets holders exchange legacy CTC tokens for the current CTC token version on the Creditcoin network. Users submit old tokens through the dedicated interface to receive the equivalent balance in the current token standard. The tool is documented separately from Creditcoin's general-purpose cross-chain and exchange products. (Token distribution tool, Live)
- [Creditcoin Explorer](https://thegrid.id/profiles/creditcoin): Creditcoin Explorer is a block explorer for the Creditcoin network, built on the Blockscout platform. It lets users search and inspect transactions, addresses, and smart contract activity on the chain. Developers and users verify on-chain data and monitor network activity through the browser-based interface. (Block Explorer, Live)

## Assets

- [Creditcoin (CTC)](https://thegrid.id/profiles/creditcoin): CTC is the native token of Creditcoin, an EVM-compatible layer 1 blockchain. It pays transaction fees, secures the network through staking, and is required to deploy and execute Attestcoin smart contracts across supported chains. CTC also exists in a Substrate-based form from Creditcoin's earlier network version, alongside its current EVM form. (Native)
- [Wrapped CTC (WCTC)](https://thegrid.id/profiles/creditcoin): WCTC is a wrapped version of CTC issued to enable the native Creditcoin token to circulate as an ERC-20 compatible asset on other EVM chains. It is used for trading, liquidity provision, and bridging CTC value between Creditcoin and other EVM-compatible networks. Holders can swap WCTC back to native CTC through Creditcoin's swap tooling. (Wrapped Tokens)
- [G-CRE (G-CRE)](https://thegrid.id/profiles/creditcoin): G-CRE is a legacy utility token issued by Creditcoin's predecessor ecosystem on Ethereum. It was used within the earlier Gluwa-based credit network before Creditcoin's current EVM mainnet launched. G-CRE holders can perform a one-way swap to convert their tokens into native CTC, after which G-CRE is no longer the canonical token. (Utility)

## Links

- [Main](https://creditcoin.org)
- [Documentation](https://docs.creditcoin.org)
- [Whitepaper](https://creditcoin.org/white-paper)
- [Whitepaper](https://whitepaper.creditcoin.org/whitepaper.pdf)
- [Terms of Service](https://docs.creditcoin.org/legal/terms)
- [Privacy policy](https://docs.creditcoin.org/legal/privacy-policy)
- [Media Kit/branding](https://docs.creditcoin.org/brand-kit)
- [Forum](https://community.creditcoin.org)
- [Blog](https://creditcoin.org/blog)
- [Twitter / X](https://twitter.com/creditcoin)
- [Discord](https://discord.com/invite/creditcoin)
- [GitHub](https://github.com/gluwa/creditcoin3)
- [YouTube](https://www.youtube.com/@CreditcoinNetwork)
- [Instagram](https://www.instagram.com/creditcoinnetwork)

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