Ripio Credit Network (RCN) is a peer-to-peer global credit network protocol based on cosigned smart contracts and blockchain technology.

The RCN protocol connects lenders and borrowers all over the world in any currency through RCN tokens. Although credit transactions are denominated in local currency, RCN tokens work in the background to access the network and facilitate transactions.

Ripio utilises identity verification to provide a secure borrowing environment. Agents and borrowers are assigned a credit score on the Ripio network based on previous interactions through traditional and non-traditional methods.

Ripio Credit Networks goal is to allow borrowers & lenders to engage in monetary transactions anywhere in the world through autonomous and transparent smart contracts.