Vision and Mission

Distributed Credit Chain (DCC) is a distributed banking public blockchain employing an infrastructure to interact with banking service providers and create a decentralized ecosystem for the greater financial services industry. By empowering credit with blockchain technology, DCC aims to transform financial transactions between lenders and borrowers, businesses and individuals, across regions and industries.


The traditional financial industry is highly centralized. Financial transactions rely heavily on the endorsement and support of large financial institutions, with substantial transaction fees paid out to these institutions. Monopolistic financial institutions have in fact raised lending rates for borrowers and reduced the interest income for lenders.



The core model of a credit agency is to share the costs of non interest-earning elements and bad debts by charging the "good guys" who can pay back the money. For borrowers, it brings an additional cost.


From the credit agency's perspective, a lot of time and efforts are wasted in verifying the credit of borrowers who do not meet the agencies’ risk criteria, which leads to wasting resources and decreasing efficiency.


A centralized credit model entices many financial institutions to deviate from their primary purpose— serving customers. Aiming for profitability, they deduct lenders while squeezing borrowers, and expand their profits by extending their customer base.


Individuals with specific borrowing demand establish blockchain account to authorize data service provider and Initiate borrowing request

Data Service Provider

Integrate individual data and store them on the chain, clean dirty data, and provide data standards

Algorithm & Computation Service Providers

Extract characteristics from data, make judgments based on policies and quantify judgment based on characteristics

Credit History Feedback

The approved credit history reports generated on blockchains prevent problems such as long-term borrowing and repeated test borrowing.

Funding Providers

Not directly involved in lending but provide funding (such as ABS-purchasing institutions).

Risk Assuming Institutions

Operate a credit business by earning income from bearing specific risks, manage loans in progress and collect after loan

Want to learn more about how we build the credit ecosystem?


Break the Monopoly

With a global distributed banking ecosystem, DCC aims to break the monopoly of traditional financial institutions and to return earnings from financial services to all providers and users involved in such services so that each participant may share the return of ecological growth. distributed banking will ultimately be a way to truly achieve an inclusive system of finance.

Decentralized Thinking

Through decentralized thinking, distributed banking will be able to change the cooperation model in traditional financial services, building a new peer-to-peer and all-communications model of cooperation across all regions, sectors, subjects and accounts.

Transform Business Structure

As it pertains to business, distributed banking will completely transform traditional banking's debt, asset, and intermediary business structure. The tree-like management structure of the traditional bank will thus evolve into the flat structure of a decentralized bank, establishing distributed standards for various businesses and improving overall business efficiency.

Government Regulation

As it pertains to regulation, the fact that all records registered in the blockchain cannot be tampered with will enable regulators to penetrate the underlying assets in real time. Big data analysis institutions will also be able to help the regulatory bodies understand and respond to industry risks more quickly based on blockchain data analysis.


The distributed credit chain can be applied in many scenes in financial area, among which a DApp serving the personal loan market has been launched and in use, the others are under developing and will come soon.

Loan Registration Service

Consumption Loans

Consumption Installment

Blockchain credit card

Token Loan Service

Mortgage Claim Registration

ABS Asset Distribution

More Coming Soon



09/2017: Established unified identity system based on the Ethereum test network
10/2017: DCC testnet launched
12/2017: DCC online credit declaration contracts deployed on DCC test net

2018 Q1-Q2

03/2018: First personal loan product DApp launch on DCC, DCC Explorer launch
04/2018: Distributed Credit Chain open platform launch, second DApp launch
05/2018: Interface with more than five financial institutions with services ranging from loan, data and risk control

2018 Q3-Q4

Q3-Q4: Open self-creation API of Distributed Credit Chain
Q3-Q4: Establish unified DCC MPC
Q4: Enter Indonesia lending market


Q1-Q2: Enter Vietnam & other SEA country lending markets
Q3-Q4: Continue to develop and expand in the SEA lending markets


2020: DCC public chain migration
2020: Initiate development of Asset Manage and Settlement systems
Strategic Partners

DCC’s investors include numerous founders of top-tier fintech companies and anonymous investors who are chairpersons of publicly traded companies or CEO of top internet companies. They support DCC with capital and profound resources.

Guicheng Xiong

Angel investor of Binance and investor of numerous successful ICO projects

Xu Jizhe

Founder and Chairman
Newton Project