## What's RCN?
RCN is an open-source global credit network that connects lenders, borrowers and originators on the blockchain to create frictionless, transparent and borderless loan markets.

The RCN Credit Marketplace is a proprietary Decentralized Application (dApp) that allows users to access the RCN protocol and connect with its features. By combining digital lending and borrowing tools with all the transparency and security of the blockchain, the RCN Credit Marketplace enables creditors to lend Decentralized Finance (DeFi) and Centralized Finance (CeFi) loans, borrow Peer-To-Peer (P2P) loans and manage everything in one place.

RCN is powered by its own open-source blockchain lending and borrowing protocol, which in turn runs on the Ethereum network. Composed by a modular set of smart-contracts, the protocol’s current version RCN Protocol v4.0 “Diaspore" allows its users to denominate, collateralize, receive, repay, fund, transfer and collect loans. In addition, it is compatible with a wide variety of Oracles, Loan Types and Backings.

## Who Are the Founders of RCN?
RCN was founded by Ripio Group's CEO, Sebastian Serrano. He's a tech entrepreneur from Argentina. In 2013 he launched the digital platform Ripio, offering fiat-to-crypto brokerage and a full suite of fintech solutions for consumers.  

RCN born in 2017 with the intention to bridge the gap between credit supply and demand across borders, creating a new ecosystem of decentralized lending and borrowing solutions for multiple stakeholders. The Credit Marketplace allows lenders worldwide to reach attractive lending opportunities, while borrowers around the world can enjoy requesting funds on their own terms by posting crypto-collateral. RCN also provides flexible access to global credit supply to a variety of entities beyond retail borrowers.

## What makes RCN unique?
RCN’s unique proposition lies in these three factors:
- Financial Efficiency: Peer to Peer Loans have no spread between borrowing and lending APRs. Now lenders can earn more while borrowers pay less.
- Customizability: Peer to Peer Loans allow that borrowers can choose their own APR. Being the one that decides how they will pay to borrow.
- Stability: More important Peer to Peer Loans’ APRs don’t vary during their term. Now they can know how much they will pay from the first day to the last.  

Ripio Credit Network

Trust Wallet

MetaMask

Ethereum

Shiba Inu

Chainlink

Uniswap

UNUS SED LEO

Render

Immutable

Ethena

Quant

LayerZero

Pendle

Bonk

Gala

Aave

SingularityNET

Flappy

JC Coin

StakeVault.Network

LittleMami

XENT

Crypterium

saffron.finance

SALT Lending is a blockchain-based lending platform that offers users cryptocurrency-backed loans. Users deposit any combination of accepted tokens — such as Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Doge (DOGE), DASH (DASH) or SALT (SALT) — as collateral to receive a loan in the form of a fiat currency or stablecoin.

SALT Lending has a native token, called SALT, that can be spent to reduce the interest rate on a loan and can be used as a secondary form of loan collateral. Currently, SALT is redeemable at a $7.50 value for interest reductions on loans, a policy and valuation which are subject to change.

The company was launched in 2016 and is operated by Salt Blockchain Inc., a for profit entity, Salt Lending LLC: Salt Master Fund II, LLC – NMLS 1711910.

SALT

WOM Protocol

Kyber Network Crystal Legacy

Status is categorized as a mobile and desktop operating system and decentralized browser that incorporates a messaging system. As such, Status allows you to interact with a network at any time, from anywhere. It was originally released in June in 2017.

It is a light client Ethereum node, and has the ability to give you access to all Ethereum decentralized applications (otherwise known as DApps) from an app that is installed on your mobile phone or tablet. This means that users can send encrypted messages as well as access decentralized applications, including a cryptocurrency wallet.

Status

Carbon Protocol

TenX

Solve.Care is a healthcare platform company that uses blockchain to redefine care coordination, improve access to care, reduce benefit administration costs, and help reduce fraud and waste in healthcare around the world.

The Solve.Care platform (Care.Platform) allows for digital health networks, called Care.Networks, to be built and run for patient-centric care that can be based on medical conditions, economic and social needs, creating an entire healthcare ecosystem. Using Care.Platform, clients can launch networked, interoperable healthcare dApps, within a very short time frame.

Care.Networks on Care.Platform use the SOLVE token, a utility token that is used for inter/intra network payments and transaction fees. It also has additional uses including developer rights, staking, marketplace payments, and platform access fees.

SOLVE

PERL.eco

Dragonchain

AirSwap

FUNToken stands out in the crowded blockchain space due to its unique combination of innovation, utility, and commitment to the GameFi and DeFi sectors. At its core, FUNToken is designed to revolutionize online gaming and decentralized finance by providing a fast, transparent, and trustless platform for transactions and gaming experiences. Unlike traditional gaming and financial platforms, FUNToken leverages blockchain technology to ensure security, reduce transaction costs, and enhance user autonomy by allowing players and investors to have complete control over their assets without intermediaries. Moreover, its integration into various gaming platforms and DeFi applications offers users unparalleled access to a vast ecosystem of entertainment and financial opportunities. With its focus on user experience, scalability, and continuous innovation, FUNToken is not just another digital asset; it's a gateway to a new era of digital interaction, making it a standout project in the blockchain community.

FUNToken

Pillar

Hifi (formerly Mainframe) is a Lending Protocol that allows anyone to borrow against their crypto. Hifi uses a bond-like instrument, representing an on-chain obligation that settles on a specific future date. Buying and selling the tokenized debt enables fixed-rate, fixed term lending and borrowing — something much needed in decentralized finance today. It is anticipated that a ticker symbol change will occur alongside future iterations on the Hifi Lending Protocol.

Mainframe Token (MFT) is the native utility token that is used for:

Governance votes

Staking to ensure the safety of the protocol

Rewarding contributors to the ecosystem

What can you do with the Hifi Lending Protocol:

Borrow:  Lock collateral in a vault to mint fixed-rate, fixed-term debt tokens.  These debt tokens can be swapped for instant liquidity allowing users to leverage long, yield farm, or pursue other strategic trades without selling their collateral tokens.

Lend:  Buy fixed-rate, fixed-term debt tokens for a discount.  When the term expires they can be redeemed for face value, earning lenders a predictable return on their investment.

Provide Liquidity:  Earn trading fees by providing liquidity between debt tokens and stablecoins on an Automated Market Maker (AMM).

Mainframe

Populous is a network designed to offer small and medium-sized enterprises (SMEs) invoice liquidity for up to 90 days. Launched in 2017, Populous is designed to enable peer-to-peer (P2P) interaction between enterprises, boost liquidity and solve problems with working capital for SMEs.

By relying on blockchain technology and smart contracts, the Populous network facilitates decentralized communication between businesses and allows them to share liquidity pools. According to the network’s official whitepaper, there is a need for liquidity in the sector, and Populous is trying to bring the solution. By providing short-term liquidity to enterprises through P2P lending, the network gives enterprises quick access to capital, which cannot be achieved by waiting for customers to settle invoices.

Populous

GoChain

QuarkChain

Civic is a blockchain-based identity management solution that gives individuals and businesses the tools they need to control and protect personal identity information.

The platform is designed to change the way we think about identity verification by giving users more control over their personal data, while allowing them to access a wide range of services without needing to fork over excessive amounts of personal information.

Civic's identity verification solution uses distributed ledger technology to authorize identity usage in real time, and is used to sparingly share information with Civic partners after authorization by the user.

Unlike some other identity management services, Civic users store all their sensitive data on their mobile device. Users are able to authorize the sharing of specific personal data by providing a biometric signature through the Civic app.

The Civic ecosystem is enabled by a unique utility token known as the Civic token (CVC), which is used for the settlement of identity-related transactions between Civic participants — such as between a customer and service provider.

Users can earn CVC tokens for completing a variety of tasks, such as signing up for a service through the platform or introducing new users, while validators can earn CVCs for validating documents for service providers.

Civic was launched in 2018, following a sell-out initial coin offering (ICO) the year prior.

Civic

0x is an infrastructure protocol that allows users to easily trade ERC20 tokens and other assets on the many different blockchains (including Ethereum) without relying on centralized intermediaries. It is a protocol for decentralized exchange.

0x achieves this decentralized exchange functionality using a collection of open-source, publicly auditable smart contracts that work together to produce a flexible, low-friction trading protocol that developers can easily weave into their products.

The protocol is used by companies building web3 apps such as wallets, DEXes, portfolio trackes, and others. It is a used by hundreds of developers for their projects. The protocol has facilitates over $200B in trading volume since its inception. One can track its usage in its dedicated https://explorer.0x.org/.

The protocol is powered by an ERC20 governance token known as ZRX. ZRX holders can participate in protocol governance, having direct power over protocol changes and its community treasury.