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. 


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. 

Why POS?

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.

The benefits of POS:

Faster transactions

Lower Transaction Fees

Lower Cost of Production

Energy Efficient

Safe from 51% Attacks

Advanced Technologies Make CREDIT a Powerful Tool


Zerocoin Protocol

Terra-Credit can provide full privacy to its users via the Zerocoin protocol. This coding features a rich and highly customized implementation. Specifically, the protocol converts publicly view-able CREDIT into anonymous CREDIT. Best of all, these privacy features function in the background requiring no extra steps from users


Terra-Credit developers wanted to ensure that the coin was able to handle large scale adoption. To guarantee the abilities of the network, they introduced the SwiftX protocol. This next-generation coding can confirm transactions within seconds. The protocol utilizes masternodes to remove the need to wait for network confirmations.


Code Base: PoS 3.0 Bitcoin Core 0.10.x

Notably, Terra-Credit is among the first cryptocurrencies to be based on the version 0.10 Bitcoin codebase. This strategy allowed developers to eliminate issues encountered by similar projects. Specifically, the new protocol does away with coin age issues and introduces network strengthening measures.

Smarter Technology

Impervious to typical attacks, the Credit blockchain completely ignores hash power and selects producers based on their balance. The absence of master nodes improves security by eliminating other forms of attack that are used in networks with fewer producers.

100% Inclusive

The CREDIT wallet is simple to install and produces blocks automatically, anyone with a modern computer or mobile device can be set up in minutes. This increases the decentralization within the node community by making it simple and accessible with no coding or advanced skills required.

Fast and Free

Sending CREDIT takes seconds and is virtually free. Any user can group unlimited unique transactions into a batch and send all the payments at once for the low fee of 0.00001 CREDIT. Transactions are confirmed quickly by the network of nodes that are rewarded with new coins rather than transaction fees.


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