• Unrivaled accessibility for mobile users
  • Extremely fast, low cost transactions
  • Transparent and decentralized blockchain
  • Easy mining with a wide range of wallets

Cryptocurrency For Everyone

The Terra-Credit platform utilizes advanced Proof of Stake (PoS) technology to provide users with a new level of convenience and accessibility. Terra-Credit is an open-source, decentralized blockchain-based cryptocurrency with the potential to revolutionize the market. This coin features true fungibility paired with unmatched privacy. Additionally, the Terra-Credit ecosystem includes full community governance, network scalability, and real-world applications.

“It’s been proven time and time again that Cryptocurrency is a life-changing catalyst of financial freedom and change in people’s lives.”

our partners

What is CREDIT?

CREDIT is a Cryptocurrency and a decentralized digital payment solution for the world’s unbanked adult population. We see CREDIT as a viable replacement to cash and a rewarding option that is attractive to new users.

How does the wallet work?

The CREDIT desktop wallet enables everyone, regardless of technical ability, to participate in crypto. The wallet is simple to use and does everything automatically, you just need a computer, laptop or mobile device.

Terra Credit Proof Of Stake (POS)



Terra-Credit implements a new privacy protocol (ZcashSapling) that provides users with professional-grade anonymity tools. The platform utilizes a combination of multiple technologies to provide improved transaction speeds while keeping your privacy intact.


The Terra-Credit ecosystem’s design allows for near-instant transaction times. Anyone can send CREDIT across the globe in under 60 seconds. This transaction speed puts Terra-Credit light years ahead of Bitcoin’s 10 minute block times. 


Terra-Credit maintains its network security via a decentralized Proof-of-Stake (PoS) consensus algorithm. The PoS protocol ensures both security and diversification amongst the network. To hack Terra-Credit’s blockchain requires more resources than the entire network’s worth.


Terra-Credit introduces a multi-tiered reward system to incentivize miners, masternodes, and regular users alike. Additionally, Terra-Credit’s diverse network supports a consistent and highly reliable payout schedule.

Energy Efficient

The Proof-of-Stake consensus mechanism is a huge upgrade over Bitcoin’s Proof-of-Work system. A PoS network only costs a fraction of the operating costs of PoW networks. Additionally, they provide more scalability and functionality.

Low Fees

Low fees are another huge advantage Terra-Credit has over the competition. Users can send global transactions for less than $0.01. In this way, Terra-Credit is nearly free to use.


Terra-Credit’s real value exists within its community of supporters. Here is where all the inspiration, development, and support that it takes to operate this network centers. Most importantly, anyone can become a part of this thriving community.


Terra-Credit operates autonomously via a distributed decentralized organization (DAO). In this manner, the project’s community determines the course of action taken. Terra-Credit supports a robust and thriving community of users.


The Terra-Credit ecosystem incorporates both sustainability and future growth. Currently, the system utilizes a built-in monthly treasury. These funds allow proposals passed by the community to come to life.

Digital payment platform

CREDIT has been designed as a digital payment platform and a decentralized solution to cash. CREDIT’s most important function is as a medium of exchange to facilitate digital transactions.

Free and fast payments

CREDIT offers free and fast blockchain-based payments. It employs Proof of Stake (PoS) which allows any user to become a block producer. Block producers support the network and get rewarded with new coins for doing so.

A rewarding wallet

The CREDIT desktop wallet automatically “stakes” a user’s coin balance which allows them to become a block producer and earn rewards for maintaining the CREDIT blockchain. This creates a passive income stream.

No expensive technology

The CREDIT wallet is simple to use and does everything automatically, you just need an internet-connected device. To get started make sure your wallet is synced and unlocked. The rest happens automatically.

Join the global CREDIT community today.


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