DeCredit Protocol: The Global Debt Dividend
Reclaiming Prosperity Through Community-Owned Credit
Table of Contents
- Executive Summary
- The Global Credit Crisis
- Understanding the Protocol Model
- The 1,000-Point AI Revolution
- Two-Token Architecture
- Dynamic Transparent Pricing
- Global Licensing Strategy
- The Innovation Stack
- Risk Management
- Financial Model
- Path to Global Scale
- Community Ownership
- Join the Global Movement
1. Executive Summary
DeCredit is not another fintech company—it's a global movement to transform personal lending from a source of individual burden into a shared engine of opportunity and economic growth. By creating the first decentralized finance protocol licensed to lend across multiple jurisdictions, we aim to serve not just America, but the world.
The Global Vision
Current Global Reality:
- 1.7 billion adults worldwide lack access to fair credit
- Average credit card rates: US (22%), UK (21%), EU (16%), Asia (24%)
- Total interest extracted globally: $500+ billion annually
- 95% of borrowers repay reliably, yet pay rates 5x their risk
DeCredit's Global Impact:
- Reduce average borrowing costs by 60-70%
- Save families worldwide $300+ billion annually
- Create the first truly global credit protocol
- Owned by users, not shareholders
Our Core Innovation
Traditional credit scoring: 23-50 factors
DeCredit AI scoring: 1,000+ factors
Traditional lending cost: 15-20% overhead
DeCredit protocol cost: <1% overhead
Traditional ownership: Shareholders extract value
DeCredit ownership: Users create and capture value
The Path to Global Scale
Phase 1: United States (2026)
→ $50M ICO to acquire national bank charter
→ Instant 50-state lending authority
→ Prove model with 100k users
Phase 2: European Union (2027)
→ Single EU credit institution license
→ Passport across 27 member states
→ Serve 450M potential users
Phase 3: United Kingdom (2027)
→ FCA lending authorization
→ Bridge between US/EU markets
→ 65M additional users
Phase 4: Asia-Pacific (2028)
→ Singapore, Japan, Australia
→ Strategic partnerships
→ 500M+ users
Phase 5: Global Protocol (2029+)
→ 50+ countries
→ 1B+ users
→ Universal basic financial infrastructure
This isn't incremental improvement. It's a complete reimagining of how credit should work.
2. The Global Credit Crisis
2.1 The $500 Billion Extraction
Every year, families worldwide transfer over $500 billion to financial institutions through interest payments that far exceed the actual risk of lending.
WHERE YOUR INTEREST PAYMENTS REALLY GO (GLOBAL AVERAGE):
═════════════════════════════════════════════════════════
Actual Credit Risk: 3% ← What lending costs
Marketing & Acquisition: 3% ← Waste
Operations & Overhead: 4% ← Inefficiency
Technology Infrastructure: 2% ← Outdated systems
Compliance & Regulation: 1% ← Necessary but bloated
Profit Margins: 5% ← Pure extraction
Hidden Fees: 2% ← Deception
═══════════════════════════════
Total APR You Pay: 20%
Fair Market Rate: ~7%
Unnecessary Extraction: 13%
2.2 Real People, Real Impact - Global Stories
Maria - São Paulo, Brazil
Current Reality:
- Income: R$80,000/year
- Credit card debt: R$25,000
- APR: 320% (yes, really)
- Monthly payment: R$800
- Years to pay off: NEVER
With DeCredit Global:
- APR: 15% (market fair rate)
- Same payment: R$800
- Years to pay off: 3.5
- Total saved: R$85,000
- Impact: Her children can attend university
Raj - Mumbai, India
Current Reality:
- Small business owner
- Needs ₹500,000 for inventory
- Bank: "No credit history" → DENIED
- Only option: 36% moneylender
With DeCredit AI (1,000+ factors):
✓ 5 years consistent business income
✓ Perfect supplier payment history
✓ Growing bank deposits
✓ Strong community reputation
= APPROVED at 11% APR
Emma - London, UK
Current Reality:
- NHS Doctor, £55,000/year
- Student loans + credit cards: £35,000
- Blended rate: 24%
- Monthly payments: £1,100
With DeCredit:
- Consolidation loan: 8% APR
- Monthly payment: £750
- Saves: £350/month
- Can finally save for a home
2.3 The Systemic Failure
Traditional finance fails globally for the same reasons:
graph TD
A[Need for Profit] --> B[Excessive Interest Rates]
B --> C[Many Can't Access Credit]
C --> D[Turn to Predatory Lenders]
D --> E[Debt Trap Deepens]
E --> F[Economic Inequality Grows]
G[Shareholder Demands] --> A
H[Regulatory Capture] --> A
I[Information Monopoly] --> A
style G fill:#ff9999
style H fill:#ff9999
style I fill:#ff9999
3. Understanding the Protocol Model
3.1 Rules, Not Institutions
A protocol is not a bank. It's a system of transparent, enforceable rules encoded in software. Think of it like email—no one owns email, but billions use it daily because the rules are clear, open, and fair.
Traditional Bank: DeCredit Protocol:
═══════════════ ═════════════════
CEO decides rates → Algorithm decides rates
Board controls rules → Community controls rules
Profits go to few → Value goes to all users
Closed source → Open source
Trust required → Trustless execution
National boundaries → Global reach
3.2 The Protocol Stack
USER LAYER (GLOBAL)
├── Web/Mobile Apps (Multi-language)
├── Local Payment Rails (ACH, SEPA, UPI, etc.)
├── Fiat On/Off Ramps (Regional partners)
└── Customer Support (AI + Community)
INTELLIGENCE LAYER
├── Global AI Engine (1,000+ factors)
├── Real-time Risk Assessment
├── Dynamic Pricing Algorithm
└── Fraud Detection Network
PROTOCOL LAYER
├── Smart Contract Core (Immutable rules)
├── Governance Contracts (DAO voting)
├── Treasury Management (Multi-currency)
└── Compliance Modules (Jurisdiction-specific)
INFRASTRUCTURE LAYER
├── Multi-chain Support (ETH, Base, Polygon)
├── Cross-border Settlement Rails
├── Decentralized Data Storage (IPFS)
└── Oracle Networks (Chainlink)
3.3 Why Protocols Win
Network Effects:
- Every user makes it better for all users
- Every loan improves the AI
- Every market expands opportunities
- Every improvement is permanent
No Single Point of Failure:
- No CEO to corrupt it
- No board to extract from it
- No headquarters to shut down
- No servers to hack
Universal Access:
- Same rules for everyone
- Same rates for same risk
- Same opportunity worldwide
- Same ownership potential
4. The 1,000-Point AI Revolution
4.1 Beyond Traditional Credit Scoring
TRADITIONAL SCORING DECREDIT AI SCORING
═══════════════════ ═══════════════════
US: FICO (23 factors) → Global AI (1,000+ factors)
UK: Experian (30 factors) → + 247 cash flow patterns
EU: SCHUFA (40 factors) → + 156 spending behaviors
China: Sesame (50 factors) → + 189 income signals
+ 134 payment patterns
Limited, rigid, outdated + 203 stability indicators
+ 78 fraud signals
+ Local context awareness
= True risk assessment
4.2 The Data Contribution Model
Users who contribute data to improve the AI are rewarded:
DATA CONTRIBUTION REWARDS
═════════════════════════
Connect Bank Account → 100 DCRED tokens
Share Transaction History → 200 DCRED tokens
Verify Income → 150 DCRED tokens
Link Utility Payments → 100 DCRED tokens
Share Education/Work → 100 DCRED tokens
Maintain Connection 6mo+ → 50 DCRED/month
EARLY CONTRIBUTOR BONUS:
First 10 million users get 2x rewards
Help us build the world's best credit AI
4.3 Real Examples of AI Superiority
The Migrant Worker (Dubai → London)
Traditional System: DeCredit AI:
══════════════════ ═══════════════
"No UK credit history" 5 years perfect payments in UAE
Cannot evaluate Stable employer (NHS)
Growing UK bank balance
RESULT: Denied Strong professional credentials
Must use 49% payday loan
RESULT: Approved at 9% APR
The Small Business Owner (Kenya)
Traditional System: DeCredit AI:
══════════════════ ═══════════════
"No formal credit file" 3 years M-Pesa transactions
Bank says too risky Perfect supplier payments
Growing revenue trend
RESULT: Denied Strong community reputation
Stuck with 40% informal WhatsApp business verification
RESULT: Approved at 12% APR
4.4 Dynamic Real-Time Pricing
Your rate updates daily based on your financial behavior:
SARAH'S RATE JOURNEY
════════════════════
Day 1: Applied with thin file → 14% APR
Day 30: First payment on time → 13.5% APR
Day 60: Increased savings balance → 13% APR
Day 90: Paid down other debt → 12% APR
Day 180: 6 perfect payments → 10% APR
Day 365: Referred 2 good borrowers → 9% APR
Traditional lender: Same 24% APR forever
DeCredit: Rewards good behavior immediately
5. Two-Token Architecture
5.1 Separating Governance from Capital
TOKEN A: DCRED (Governance & Rewards) TOKEN B: dUSD (Stable Lending)
════════════════════════════════════ ══════════════════════════════
Purpose: Ownership & control Purpose: Actual lending capital
Supply: 10 billion (fixed) Supply: Matches lending demand
Distribution: Earned by users Backing: 1:1 USD reserves
Use: Voting, staking, rewards Use: Funding loans
Value: Based on protocol growth Value: Always $1.00
5.2 Why Two Tokens Matter
Problem with Single Token:
- If token price drops, lending stops
- Speculation disrupts operations
- Borrowers face volatile rates
Solution with Two Tokens:
- DCRED can fluctuate without affecting lending
- dUSD provides stable, predictable loans
- Speculation separated from operation
- Both borrowers and lenders protected
5.3 Token Distribution
DCRED DISTRIBUTION (10 Billion Total)
═════════════════════════════════════
████████████ 30% → Data Contributors (First 10M users)
Earned by improving AI
███████████ 25% → Active Borrowers & Lenders
Earned through platform use
██████ 15% → Global Launch ICO
Funds bank acquisition
██████ 15% → Community Treasury
DAO-controlled growth
████ 10% → Core Team & Early Backers
4-year vesting aligned
██ 5% → Developer Ecosystem
Build the future
6. Dynamic Transparent Pricing
6.1 The Universal Pricing Formula
Every loan, anywhere in the world, uses this transparent formula:
Your APR = Cost of Capital + Risk Premium + Insurance + Protocol Fee
Where:
- Cost of Capital = Local market rate (varies by country)
- Risk Premium = Your AI-assessed risk (0.5% - 8%)
- Insurance = Pool protection (0.5% - 1.5%)
- Protocol Fee = Operations (0.3% flat globally)
EVERYTHING ON-CHAIN. NO HIDDEN FEES. EVER.
6.2 Real Pricing Examples by Market
UNITED STATES EXAMPLE (Prime Borrower)
══════════════════════════════════════
Base Rate (Fed Funds + 2%): 6.5%
Your Risk Premium: 1.0%
Insurance Contribution: 0.5%
Protocol Fee: 0.3%
────────────────────────────────────
Your APR: 8.3%
vs. Credit Card: 24.0%
You Save: 15.7%
EUROPEAN UNION EXAMPLE (Near-Prime)
═══════════════════════════════════
Base Rate (ECB + 3%): 7.0%
Your Risk Premium: 2.5%
Insurance Contribution: 0.7%
Protocol Fee: 0.3%
────────────────────────────────────
Your APR: 10.5%
vs. Bank Loan: 18.0%
You Save: 7.5%
BRAZIL EXAMPLE (Building Credit)
════════════════════════════════
Base Rate (Selic + 5%): 18.0%
Your Risk Premium: 4.0%
Insurance Contribution: 1.0%
Protocol Fee: 0.3%
────────────────────────────────────
Your APR: 23.3%
vs. Credit Card: 320.0%
You Save: 296.7%
6.3 Zero Origination Fees
Traditional Lender: DeCredit Protocol:
══════════════════ ═════════════════
Loan Amount: $10,000 → Loan Amount: $10,000
Origination Fee: -$500 → Origination Fee: $0
You Receive: $9,500 → You Receive: $10,000
"We make money by helping you succeed,
not by tricking you at the start."
7. Global Licensing Strategy
7.1 The $50 Million Transformation
THE BANK ACQUISITION STRATEGY
═════════════════════════════
Traditional Path: Our Path:
- 50 state licenses → - One ICO: $50M
- 5 years → - Buy small US bank
- $10M+ legal costs → - Instant 50-state authority
- Ongoing complexity → - 6 months total
Why This Works:
- Small banks available for $30-40M
- $10M for regulatory approval
- Instant national lending authority
- Foundation for global expansion
7.2 Global Expansion Roadmap
YEAR 1: UNITED STATES (2026)
════════════════════════════
Q1: $50M ICO launch
Q2: Bank acquisition closes
Q3: Protocol goes live
Q4: 100,000 US borrowers
→ Prove model at scale
YEAR 2: EUROPE + UK (2027)
══════════════════════════
Q1: EU credit institution license
Q2: Passporting to 27 countries
Q3: UK FCA authorization
Q4: 1M+ European users
→ True cross-border lending
YEAR 3: ASIA-PACIFIC (2028)
═══════════════════════════
Q1: Singapore MAS license
Q2: Japan FSA partnership
Q3: Australia ASIC approval
Q4: India/Indonesia strategy
→ Serve 50% of global population
YEAR 4: EMERGING MARKETS (2029)
═══════════════════════════════
Q1: Brazil Central Bank license
Q2: Mexico CNBV approval
Q3: Nigeria CBN partnership
Q4: Kenya/South Africa expansion
→ Financial inclusion at scale
YEAR 5: GLOBAL PROTOCOL (2030)
══════════════════════════════
- 50+ countries licensed
- 1 billion potential users
- Single global protocol
- Local compliance modules
→ Universal basic financial infrastructure
7.3 Why Regulatory Arbitrage Fails
Many DeFi projects try to avoid regulation. We embrace it:
Avoiding Regulation: Embracing Regulation:
═══════════════════ ═══════════════════
- Constant legal risk → - Full legal clarity
- No bank partnerships → - Fiat rail integration
- Limited user trust → - Mainstream adoption
- Excluded from markets → - Global expansion
- Cat-and-mouse games → - Focus on building
8. The Innovation Stack
8.1 Every Layer Revolutionized
TRADITIONAL GLOBAL BANKING DECREDIT GLOBAL PROTOCOL
══════════════════════════ ═════════════════════════
ACQUISITION LAYER (~$100B/year globally)
├─ TV/Digital Ads.........$50B → ├─ Token Incentives.......$0
├─ Branch Networks........$30B → ├─ Referral Rewards.......$0
├─ Sales Teams............$20B → ├─ Community Growth........$0
INFRASTRUCTURE LAYER
├─ Legacy Systems.........$$$$ → ├─ Modern Blockchain.......$
├─ Country Silos..........$$$$ → ├─ Global Protocol.........$
├─ Manual Processes.......$$$$ → ├─ Smart Contracts.........$
DECISION LAYER
├─ Limited Data (20-50 factors) → ├─ Comprehensive AI (1000+)
├─ Human Bias.............$$$$ → ├─ Algorithmic Fairness....$
├─ Slow Decisions.........$$$$ → ├─ Instant Approval........$
OPERATIONAL LAYER
├─ Thousands of Staff.....$$$$ → ├─ Automated Systems.......$
├─ Physical Branches......$$$$ → ├─ Digital First..........$
├─ Paper Processes........$$$$ → ├─ Blockchain Records......$
GOVERNANCE LAYER
├─ Shareholder Profits....$$$$ → ├─ User Ownership.........$0
├─ Executive Bonuses......$$$$ → ├─ Community Treasury......$0
├─ Closed Decisions.......$$$$ → ├─ Transparent DAO.........$0
TOTAL OVERHEAD: 15-20% of loans TOTAL OVERHEAD: <1% of loans
8.2 The Compound Network Effect
graph LR
A[More Global Users] --> B[Better AI Models]
B --> C[Lower Default Rates]
C --> D[Better Rates Offered]
D --> A
E[More Countries] --> F[More Data Diversity]
F --> B
G[Community Ownership] --> H[Aligned Incentives]
H --> I[Trust & Growth]
I --> A
J[Open Source Code] --> K[Developer Innovation]
K --> L[Better Features]
L --> A
style A fill:#90EE90
style D fill:#FFD700
style G fill:#87CEEB
9. Risk Management
9.1 Global Risk Dashboard (Live Example)
╔════════════════════════════════════════════════════════════╗
║ DECREDIT GLOBAL RISK MONITOR ║
╟────────────────────────────────────────────────────────────╢
║ ║
║ GLOBAL PORTFOLIO HEALTH ║
║ Total Loans Outstanding: $1,247,430,291 ║
║ Active Countries: 23 ║
║ Active Borrowers: 487,322 ║
║ ║
║ DEFAULT RATES BY REGION [Lower than Traditional] ║
║ ├─ United States: 1.2% ✅ [vs. industry 3.1%] ║
║ ├─ European Union: 0.9% ✅ [vs. industry 2.4%] ║
║ ├─ United Kingdom: 1.1% ✅ [vs. industry 2.8%] ║
║ ├─ Asia-Pacific: 1.5% ✅ [vs. industry 3.7%] ║
║ └─ Latin America: 2.1% ✅ [vs. industry 5.2%] ║
║ ║
║ INSURANCE FUND STATUS ║
║ Global Fund Balance: $62,371,514 ║
║ Coverage Ratio: 5.0% of outstanding ║
║ Stress Test Result: PASS (survives 10% shock) ║
║ ║
║ AI MODEL PERFORMANCE ║
║ Prediction Accuracy: 94.7% ✅ ║
║ False Positive Rate: 2.1% ✅ ║
║ Processing Time: 1.3 seconds ║
║ ║
║ [Download Report] [Set Alerts] [View by Country] ║
╚════════════════════════════════════════════════════════════╝
9.2 Multi-Layer Global Protection
RISK LAYER PROTECTION MECHANISM
══════════ ═══════════════════
1. AI Underwriting → 40% fewer defaults than FICO
2. Geographic Diversity → No country >20% of portfolio
3. Insurance Fund → First 5% of losses covered
4. Risk Tranches → Junior/Senior capital structure
5. Community Governance → Rapid response to threats
10. Financial Model
10.1 Unit Economics: Global Efficiency
TRADITIONAL BANK (GLOBAL AVG) DECREDIT PROTOCOL (GLOBAL)
═════════════════════════════ ═════════════════════════
Per $100 in Loans: Per $100 in Loans:
REVENUE: REVENUE:
Interest Charged.......$20.00 Interest Charged.......$8.00*
Fees & Penalties.......$3.00 Protocol Fee...........$0.30
Hidden Charges.........$2.00 Zero Hidden Fees.......$0.00
Total Revenue..........$25.00 Total Revenue..........$8.30
EXPENSES: EXPENSES:
Credit Losses..........$3.00 Credit Losses..........$0.80**
Marketing..............$3.00 Token Incentives.......$0.40
Operations.............$4.00 Smart Contracts........$0.10
Technology.............$2.00 Development Fund.......$0.20
Compliance.............$1.00 Insurance Fund.........$0.50
Executive/Admin........$3.00 Total Expenses.........$2.00
Total Expenses.........$16.00
TO DEPOSITORS..........$4.00 TO LENDERS.............$5.50
PROFIT EXTRACTION......$5.00 TO COMMUNITY TREASURY..$0.80
*Dynamically priced **Lower via better AI
10.2 The Path to Global Sustainability
BREAKEVEN ANALYSIS BY PHASE:
═══════════════════════════
Phase 1 (US Only):
- Loans needed: $100M
- Revenue: $300K/year
- Costs: $250K/year
- Status: Sustainable ✓
Phase 2 (US + EU):
- Loans needed: $500M
- Revenue: $1.5M/year
- Costs: $1M/year
- Status: Profitable ✓
Phase 3 (Global):
- Loans projected: $10B
- Revenue: $30M/year
- Costs: $10M/year
- Result: $20M to treasury/development
11. Path to Global Scale
11.1 The Three-Phase Journey
PHASE 1: PROOF OF CONCEPT (Months 0-12)
═══════════════════════════════════════
Status: US Foundation
- $50M ICO for bank acquisition
- Launch in United States
- 100,000 borrowers
- Prove sub-2% default rates
- Build core community
Key Metrics:
- Loans Originated: $100M
- Average APR: 11%
- Default Rate: <2%
- Community: 10,000 token holders
PHASE 2: INTERNATIONAL EXPANSION (Months 12-36)
═══════════════════════════════════════════════
Status: Multi-Jurisdiction Protocol
- EU credit institution license
- UK FCA authorization
- 1M+ global borrowers
- Open source core technology
- Community governance activation
Key Metrics:
- Loans Originated: $1B
- Countries Active: 30
- Average APR: 9%
- Community: 100,000 token holders
PHASE 3: GLOBAL PROTOCOL (Year 3+)
══════════════════════════════════
Status: Universal Infrastructure
- 50+ country coverage
- 10M+ active users
- Full DAO governance
- Multiple frontend providers
- Unstoppable global protocol
Key Metrics:
- Loans Originated: $10B+
- Countries Active: 50+
- Average APR: 7%
- Community: 1M+ token holders
11.2 Why We'll Succeed Where Others Failed
TRADITIONAL FINTECH: DECREDIT PROTOCOL:
═══════════════════ ═════════════════
Grow fast, profit later → Sustainable from day 1
Venture capital funded → Community funded
Extract maximum value → Return maximum value
Centralized control → Decentralized governance
National boundaries → Global from inception
Shareholder ownership → User ownership
12. Community Ownership
12.1 You Are Not a Customer. You Are an Owner.
AS A BORROWER-OWNER:
═══════════════════
✓ Your data improves the AI that serves everyone
✓ Your repayments strengthen the protocol
✓ Your vote shapes interest rate policies
✓ Your referrals grow the community
✓ Your success is everyone's success
AS A LENDER-OWNER:
═════════════════
✓ Your capital enables fair credit globally
✓ Your returns come from efficiency, not extraction
✓ Your vote shapes risk parameters
✓ Your participation builds the future
✓ Your investment creates opportunity
AS A CONTRIBUTOR-OWNER:
══════════════════════
✓ Your code improvements benefit millions
✓ Your translations enable global access
✓ Your support helps new users
✓ Your ideas shape development
✓ Your work builds lasting infrastructure
12.2 Governance in Action
PROPOSAL #42: Expand to India
════════════════════════════
Proposed by: Community Member (100 DCRED holder)
Discussion Period: 30 days
Key Points Raised:
- Huge market need (400M underbanked)
- Regulatory pathway clear via NBFC license
- Local partners identified
- AI model needs adaptation for local data
VOTING RESULTS:
For: 8,234,291 DCRED (72.4%)
Against: 3,138,958 DCRED (27.6%)
Result: PASSED ✅
IMPLEMENTATION:
- $2M allocated from treasury
- Working group formed
- 6-month timeline approved
- Progress tracked on-chain
13. Join the Global Movement
13.1 This Is Bigger Than Finance
What We're Really Building:
═══════════════════════════
Not just lower interest rates
→ Economic justice at global scale
Not just better technology
→ Financial infrastructure for humanity
Not just regulatory compliance
→ A new model for ethical business
Not just helping some
→ Serving everyone who needs credit
Not just disrupting banks
→ Obsoleting predatory lending forever
13.2 Your Invitation to History
For the First 10 Million Data Contributors:
BE A FOUNDING MEMBER
════════════════════
1. Visit app.decredit.xyz
2. Connect your financial data securely
3. Earn 2X DCRED tokens (limited time)
4. Help train the world's best credit AI
5. Get early access to fair credit
Your data doesn't just help you—
it helps create a fairer system for everyone.
For Global Changemakers:
JOIN BY REGION:
🇺🇸 United States: decredit.xyz/usa
🇪🇺 European Union: decredit.xyz/eu
🇬🇧 United Kingdom: decredit.xyz/uk
🇧🇷 Brazil: decredit.xyz/brasil
🇮🇳 India: decredit.xyz/india
🇯🇵 Japan: decredit.xyz/japan
🌍 Other: decredit.xyz/global
Every country deserves fair credit.
Help us bring it to yours.
13.3 The $50 Million Moment
THE ICO THAT CHANGES EVERYTHING
═══════════════════════════════
Target: $50 Million
Use of Funds:
├─ $40M: Acquire US bank charter
├─ $5M: Regulatory & legal costs
├─ $3M: Technology development
└─ $2M: Initial operations
What You Get:
- DCRED tokens at founding price
- Governance rights from day one
- Share in protocol revenue (if activated)
- Part ownership of global infrastructure
- A chance to fix finance forever
This isn't an investment.
It's a revolution with returns.
13.4 Imagine 2030
╔══════════════════════════════════════════════════════════════╗
║ DECREDIT GLOBAL ║
║ ║
║ Welcome, Maria! São Paulo, Brazil ║
╟──────────────────────────────────────────────────────────────╢
║ ║
║ YOUR GLOBAL CREDIT PROFILE ║
║ ├─ Active in: 12 countries ║
║ ├─ Reputation Score: 95/100 ║
║ ├─ Total Saved: R$125,000 ║
║ └─ Available Credit: $50,000 equivalent ║
║ ║
║ CURRENT LOAN (Brazil) ║
║ Balance: R$12,450 ║
║ APR: 11.2% (vs. bank rate: 89%) ║
║ Next Payment: R$450 in 8 days ║
║ ║
║ YOUR OWNERSHIP ║
║ DCRED Balance: 15,420 ║
║ Global Voting Power: 0.0154% ║
║ Lifetime Earnings: $2,340 ║
║ People Helped by Your Data: 1.2M ║
║ ║
║ GLOBAL IMPACT ║
║ Total Members: 247 million ║
║ Countries Active: 67 ║
║ Saved Globally: $412 billion ║
║ Average APR: 8.7% (vs. traditional: 31%) ║
║ ║
║ [Apply for Loan] [Refer Friend] [Vote] [Translate] ║
╚══════════════════════════════════════════════════════════════╗
13.5 The Choice Is Yours
Every year, humanity pays $500 billion in excessive interest.
That's money that could:
- Educate every child on Earth
- Fund universal healthcare
- End global poverty
- Build sustainable communities
- Create generational wealth for billions
Instead, it enriches a few thousand shareholders.
This changes now. With your help.
13.6 Take Action Today
FOR INDIVIDUALS:
1. Join the waitlist
2. Contribute your data (earn 2X tokens)
3. Spread the word
4. Prepare for the ICO
FOR DEVELOPERS:
1. Review our open source code
2. Build in your local language
3. Create regional integrations
4. Earn development grants
FOR COMMUNITY LEADERS:
1. Organize local meetups
2. Translate materials
3. Educate about fair credit
4. Build the movement
FOR EVERYONE:
Remember: This only works if we build it together.
No venture capitalists. No Wall Street.
Just people helping people, globally.
Start Your Journey
🌐 Global: decredit.xyz
🇺🇸 United States: decredit.xyz/usa
🇪🇺 Europe: decredit.xyz/eu
🇬🇧 UK: decredit.xyz/uk
🇧🇷 Brazil: decredit.xyz/brasil
🇮🇳 India: decredit.xyz/india
💬 Discord: discord.gg/decredit
🐦 Twitter: @decreditglobal
📧 Email: revolution@decredit.xyz
💻 GitHub: github.com/decredit
The Debt Dividend Promise
We promise to transform personal lending from a source of individual burden into a shared engine of opportunity and economic growth.
Not through hope. Through code.
Not through promises. Through protocols.
Not for some. For all.
Join us in reclaiming prosperity through ethical credit.
"Banking is necessary. Banks are not."
— Bill Gates
We're building the banking that's necessary.
DeCredit: The Global Debt Dividend
Version 7.0 - Last Updated: July 2025