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 questions about TerraCredit


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.

Credit, just like a peoples’ bank. It is completely and always free, it is anonymous, much more secure than traditional banking and payments can be sent to anyone in the world within seconds.
Anyone can create an account just by downloading the software. This bank has no
owners and cannot be shut down. Because it is peer to peer, it is completely transparent. There is a limited supply of coins making it valuable and a great store of wealth like gold.
So welcome to the future of currency!
Safe, fast, secure, anonymous, exciting and most of all fun!

Here are some other accomplishments or honorable mentions:

TerraCredit is the one of the leading Cryptocurrencies to go full proof of stake.
It is also the first decentralized digital payment solution for the world’s unbanked adult population.
TerraCredit is the first coin to operate MiniPOS for mining and also can be withdrawn to local bank account.

TerraCredit is known for having an outstanding community. Everyone is a star here at TerraCredit; having all worked tirelessly to make Credit an excellent Coin.. It has one of the most active communities ever known.



No doubt Bitcoin paved the way for Cryptocurrency. Everyone loves Bitcoin however, we also seek to improve on it. Because Bitcoin is so big, it takes too much time for people to agree on innovative changes. This is why there was a huge surge in alternative currencies last few years. This has paved the way for TerraCredit.

Credit is a digital payment platform, a decentralized solution to cash. Credit’s most important function is as a medium of exchange to facilitate digital transactions. Credit is stored in wallets and can be staked to support the network and earn new coins as a reward. This ensures that the storage of Credit generates tangible value to the holder over time .
Credit serves as a medium of exchange, payment for goods and services. This is evident as everyone is presently buying credit via exchange while others receiving it as payment for salaries and in exchange for products and services.

The transparency of the Credit Block chain ensures public accountability of all transactions as every coin can be traced to its creation

Credit is solely a decentralized solution, never influenced by any government it is our believe that Credit will be a major medium of exchange in the coming years. That is why we have come up with a solution to ensure mass adoption. Our desire is give freedom to the poor and for the world’s unbanked to be able to send and receive payment to/from their loved ones in due time.

With this everyone is encouraged to get Credit, because it has so many features that makes it better in every way than bitcoin and all other altcoins out there put together.

1. Faster Transaction Speed and No Cost.

Credit transaction speed is faster than bitcoin and any other Alt coin with a transaction speed of 3seconds with no transaction fees, this makes Credit incomparable.

2. Easy Cost of Mining and earning in Credit Better than Bitcoin and any Alt coin Known.

Credit adopts Proof of Stake (POS) compared to POW(proof of Work) being used by other Altcoins. This is because, production has a cost in POW( Proof of Work), the electricity costs determines the value.
In POS(Proof of Stake) scarcity is created because coins are needed for staking.

So in POW, a miner will only sell for what it costs to produce plus profit but in POS, a producer will only sell his profits, keeping the bulk of coins out of circulation. Where as, miners can dump if price is high and stakes always retain their balance. So POS is safer because the asset not the hardware is needed.

In cryptocurrency technology, POS is best but Credit’s own POS is way better than what is obtained in other Altcoins.
In POS like EOS, they delegate producers and only Fifty (50) are allowed. So those 50 can easily hijack the chain if they decide to.

Credit POS protects against fake stake attacks because anyone can produce therefore many producers hence too many nodes to confuse. Its the distribution strategy that makes Credit rock solid safer than any blockchain that ever exists.

3. Credit never started with an ICO/IEO

Credit never started with an ICO/IEO unlike Bitcoin and other Alt coins. ICO/IEO are viewed as Ponzi Scheme of which many have raised funds for their projects using ICOs/IEOs which in the long run had turned out to either be a scam or leverage on the funds of investors.

Credit is self funded by Terra Foundation with a goal of giving the coin freely to as much people as possible.

4. No waiting for distribution.

There is no delay in distribution as there is swift distribution which makes Credit unique.

5. Credit is absolutely free.
You do not need to buy because there are no ICOs. It’s all free.

6. Working Block chain.

In every cryptocurrency technology, block chain technology is very important. The reason for many failures in crypt I currencies is the lack of efficient block chain set up which has either delayed transactions or become too porous for hackers to hack.

Credit has the best Block chain technology that is well tested and trusted. It completes transactions swiftly and all transactions can be tracked via the Credit explorer which makes it easier to monitor your coins.

7. Credit Has Six Types Of Wallets

The Credit wallet is such a unique wallet with excellent operational nodes. It fits perfectly into any computer device when properly installed.

8. Credit is presently listed on CoinMarketCap
This is further proof that Credit is widely accepted as a medium of exchange and traded on very reputable exchanges that are well recognized in CMC.
9. Credit is traded on certified exchanges which are regarded as one of the best with very honest team. Such exchanges are: Catex, Bitforex, Terrabit.

10. Credit also has workable products which they have launched and experiencing tremendous progress such as Terra beta wallet. TerraMart an online e-commerce store where you can buy products with credit…Terrabit is an exchange. Credit desktop meant for storing Credit and mines at full speed where you can get back your initial balance via mining 100% within a year. This is another way of earning passive income where you sell off your rewards and keep your initial balance and many more.


Proof of Stake (POS) VS Proof of Work (POW)

Proof-of-Work was an excellent innovation that formed the backbone of the original Bitcoin protocol. The idea is that by solving a computationally intensive math problem, one can prove the effort they’ve done to secure the protocol. This is how a blockchain is generated, and the effort that is required to perform this computations contribute to a coin’s scarcity and value.
However, Proof-of-Work eventually becomes an extraordinarily expensive system.

Proof of Stake solves this issue in a very elegant way. Rather than using computer power as a scarce resource to generate security, Proof of Stake uses the scarcity of the coin itself. A user may choose to “stake” his coins to generate the next block in the chain, and his chance of doing so is basically proportional to the weight of his own coins.

CREDIT is a Proof of Work (PoW) and Proof of Stake (PoS) hybrid blockchain and since block height 10 000, it has become strictly PoS. Our blockchain network selects block producers based on coinage and balance, in comparison to PoW blockchains where computational power determines success in block production. PoS is the next step in cryptocurrency evolution which promotes true decentralization by improving accessibility.

Proof-of-Stake is eco-friendly and efficient, and avoids the vast waste of energy and hardware overhead of Proof-of-Work based networks.
TerraCredit core protocol has made industry-leading improvements to Proof-of-Stake security and general functionality .
The end goal of Proof of Stake (PoS) is identical to that of Proof of Work (PoW), they both seek to validate transactions and achieve network consensus. It’s just their processes that are different. The biggest advantage that POS has over POW is that it is much less energy-intensive because hash power plays no role in success as a producer. This solidifies the decentralization of the Credit blockchain by removing equipment cost and expertise barriers which allows us to welcome thousands of non-technical block producers.

We have removed the technical and expensive POW environment to allow anyone with a modern computer to earn from supporting the blockchain. We believe that Credit’s use of POS incentives for block producers are much more aligned with our community.



Anyone can dowload a TerraCredit wallet for free to participate in and earn from block production anonymously.

Transaction on our blockhcain show instantly and are spend-able within 1 minute. Future versions will see TerraCredit transactions spend-able in under 1 second.

Secure Network
Performing a 51 % attack on Terra Credit, a highly decentralised Proof-of-Stake network with over 12,000 non competetive solo miners, is impossible.
Rewards – Proof of Stake (PoS)
TerraCredit users that stake their balance will receive 100% profit annually, you dont even need a PC because staking wallets are available for all web connected devices.

Low Fees
You can send money to anyone, anywhere in the world for literally no cost. The average fee to send unlimted amounts is below $0.00000003.

Decentralised Team
Our team was formed organically over time and is spread across the globe. It consists of community members, some of who have made commitments enough to be included in our team section.



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.

TerraCredit is a pure PoS (Proof-of-Stake) coin. However, you can mine TerraCredit by what is called Staking. This also serves to secure the network and aid in the various transactions made for all TerraCredit users.
Normally, Staking will earn you from 1% to 8% (depending on the network weight) of the total amount of coins held in your wallet over the period of a year, and will start as soon as you have unlocked your wallet (Mining is automated)

Once you begin to Stake, you will notice that a certain amount of coins will be placed into your Stake and those coins will begin to stake. The more coins you have, the more coins you will earn by Staking.

TerraCredit users that stake their balance will receive 100% profit annually, you dont even need a PC because staking wallets are available for all web connected devices.



Staking doesn’t need to do a lot of work, so the requirements are incredibly small.
TerraCredit users that stake their balance will receive 100% profit annually, you dont even need a PC because staking wallets are available for all web connected devices.



A minimum of 10,000 Credits needed to stake. Staking reward is done hourly and automated. With our CREDIT wallet, you can enjoy a passive income stream without the need for expensive equipment and technical knowledge. To get started, make sure your computer or laptop is connected to the internet with a balance of 10 000 coins, check that your wallet is 100% synced and unlocked for staking and the rest will happen automatically.




For Staking of 10,000 Credit Calculation.

For hourly interest rate (0.00011415525)

For daily interest rate (0.00273972602)

For annually interest rate (100%)

  • 0.00011415525 x 10,000 = 1.14155251142 Credit (Hourly Interest)
  • 1.14155251142 x 24hrs = 27.397260274 Credit (Daily Interest)
  • 27.397260274 x 365 = 10,000 Credit (Annual Interest)



MiniPos is a mining hub where your Credit is sent to, for mining. Mining at MiniPos is automated. Every Credit is mined hourly, and rewards are credited to your primary wallet based on the amount of Credit transferred to MiniPos for mining.

These steps will help guide you on how to transfer your Credit from your primary wallet to MiniPos.
-Go to the dashboard and click on MiniPos and then click on Credit.
-Fill the form. Select the option; from Primary Wallet (at the top) to MiniPos (at the bottom). Enter amount Credit you want to transfer to MiniPos.



  • From the dashboard click on MiniPos. Then click on Credit.
  • Fill the form. This time around select the option; From MiniPos to Primary Wallet. Enter the amount you desire to transfer out of MiniPos to the Primary Wallet.
    Note: Every transfer out of MiniPos will pend for thirty days (30) after which credit will be sent to the Primary wallet. Also, there will be no mining rewards during the thirty (30) days.



Yes, depending on your choice. You can use any of the following wallets below to store TerraCredit namely;

    Features: Auto-Staking, starts producing blocks after coins reach a maturity of 8 hours
    Features: Auto-Staking, starts producing blocks after coins reach a maturity of 8 hours
    Features: Auto-Staking, starts producing blocks after coins reach a maturity of 8 hours.
    Features: Auto-Staking, starts producing blocks after coins reach a maturity of 8 hours
    Features: Accessible via web. Fast and free, low fee Credit (CREDIT) wallet.
    Manage crypto on the go. All you need is a smartphone to get started with our fast and secure digital wallet.


The Credit wallet is such a unique wallet with excellent operational nodes. It fits perfectly into any computer device when properly installed.

However, if you encounter any issue such that your wallet is unable to connect to the credit network; then, you will need to configure your wallet.

Wallet configuration helps your wallet to connect directly to the network without any issue.

kindly follow these simple steps to configure your configure your wallet.

Step 1. Go to https://terra-credit.com/windows.zip to download the credit.config(compressed configuration file).

Step 2. Unzip the compressed configuration file to get the credit.conf file, copy it.

Step 3. Open the file explorer of your PC. Type %appdata% on the address bar and press enter to locate the Credit folder of the wallet

Step 4. Double click the Credit folder to open it, paste the credit.conf file on the empty space under the files contained in the folder.

Step 5. Now close the Credit folder, wallet and restart your wallet, it will connect swiftly to the network without delay.



  • Make sure you have the latest wallet version.
  • Make sure your Firewall or Anti Virus software do not block wallet connections.
  • Make sure your system’s clock is accurate.
  • Coins take around 8 hours (~501 Blocks) to mature.
  • Wallet will create his own peer circle. It takes time.

While operating your computer or mining on your coins and the electric power goes off, ensure you properly shut down your laptop or computer. This is the major reason why your Wallet doesn’t open or aborts after opening. Do not let your computer forcefully shut down itself.

When your computer forcefully shuts down that way, it causes a broken block chain which affects the coins being mined and wallet too.

Please ensure you have backed up your wallet and store with a flash drive. Keep the external flash drive safe.

Now follow these steps:

Step 1: Close the wallet.
Step 2: Find your credit folder. c: \ users \ yourusername \ appdata \ roaming \ credit or Go to the windows explorer as type %appdata% press enter.
Step 3: Copy wallet.dat and save in a safe place (preferably flash drive)

Step 4: Make sure you have wallet.dat in a safe place.

Step 5: Delete the credit folder.

Step 6: Reload your wallet. After 30 seconds, close the wallet.

Step 7. In the credits folder, delete wallet.dat and insert a backup to replace it.

Step 8. Reboot the wallet.

Step 9: Allow to synchronize fully. Your wallet will be restored with your Credit Coins.



  • Locate the Dashboard menu. Click on send. Choose Credit.
  • In the space provided enter the receiver’s wallet address you wish to send Credit or any Cryptocurrency to.
  • Enter amount and send.




  • You can receive Credit by going to the dashboard.
  • Click on Receive on the dashboard menu.
  • You can either let the person scan your QR bar code. This will automatically display your wallet address and details then the sender can send Credit to you. The same goes with the other Cryptocurrencies listed there.
    You can also copy your wallet address and send to whoever that wants to send Credit to you.
  • You can also use your user name or email address to also receive Credit or any other Cryptocurrency from anyone you wish you receive from.


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