Ripio credit network (RCN) is an agreement designed to improve the transparency and reliability of credit and loans. The agreement allows point-to-point borrowing. No matter where the lender and the borrower are and what currency they use, the smart contract connects the identity information of the lender and the borrower, and fairly analyzes the borrower's credit risk to the lender, so as to standardize the credit loan through blockchain technology. Create better credit solutions by reducing brokerage and management fees; By introducing cosigner, ripio neutralizes the credit risk of the lender and provides debt management services for the lender. Ripio's main goal is to provide digital payment schemes throughout Latin America, where 65 per cent of people still do not have bank accounts.