CTC

Creditcoin (CTC) addresses financial exclusion for the nearly 1.4 billion unbanked individuals globally by building a secure, transparent, on-chain credit infrastructure. It allows users, particularly in emerging markets, to establish verifiable credit histories, facilitating access to loans and financial services. Through partnerships like Aella in Nigeria, Creditcoin has enabled the disbursement of significant microloans, helping individuals and small businesses secure capital, expand operations, and improve their economic prosperity. This directly tackles real-world economic barriers using blockchain technology.

Creditcoin uniquely focuses on credit transaction recording rather than direct asset tokenization. By creating an immutable ledger of loan performance across multiple blockchains (including Bitcoin and Ethereum), it establishes credit history for traditionally unbanked populations. This differs from RWA platforms that primarily tokenize physical assets, as Creditcoin's infrastructure enables verifiable repayment histories that can integrate with traditional finance systems.

Creditcoin's Nominated Proof-of-Stake implements slashing penalties where malicious validators and their nominators lose staked CTC. This economic disincentive promotes honest validation behavior. The requirement for validators to maintain reputable nodes and the distributed nature of attestation nodes for cross-chain data further enhance security. Validators undergo community scrutiny before election to the active set.

Yes, through user-friendly interfaces like SubWallet and Credit Wallet that simplify staking. Nominators can delegate to validators without running nodes through intuitive dashboards showing performance metrics. The CLI tool remains available for advanced users. Minimum staking thresholds are designed to be accessible, and rewards are distributed automatically based on staked amounts.

The USC framework uses attestation nodes that cryptographically verify events on external chains (e.g., Bitcoin transactions). Instead of moving assets, dApps reference this verified data through standardized interfaces. This eliminates bridge-related risks while enabling functionalities like cross-chain collateralization. Attestation nodes are incentivized through protocol rewards for accurate data reporting.

Three key mechanisms balance supply: 1) Transaction fee burning on the native network, 2) Reduced issuance rate (2 CTC/block vs original 28 CTC), extending full issuance to ~300 years, and 3) Economic activity from RWA integration requiring CTC for operations. The deflationary ERC-20 token (600M cap) and utility-focused mainnet token create complementary economic models.