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
Core Team

Stewie Zhu

  • Serial entrepreneur
  • Founder of TN Tech
  • Ph.D. candidate in Finance at LSE
  • M.S. in Financial Economics , Oxford University
  • M.S. in Statistics, Yale University

Alan Wang

  • Leads DCC’s global communications and marketing efforts
  • Investor relations expert with nearly a decade of Wall Street experience
  • M.S. in Public Relations and Corporate Communication, New York University

Stone Shi

  • TELECOM, Ingenieur
  • Former vice president at JP Morgan Chase
  • Nanjing University, Computer Science/Math
  • Nanjing University, Electronic Science and Engineering

Dr. Daniel Lu

  • Ph.D. in Mathematics, Yale University
  • Postdoctoral Research in Financial Engineering, focusing on the Representation Theory, University of Leipzig, Germany

David Ha

  • Manages DCC’s Vietnamese community
  • Experienced crypto investor

Diane Imas

  • Senior Public Relations Director at Distributed Credit Chain (DCC)
  • Specializes in public relations, investor relations, and marketing

Hoa Celine

  • Manages DCC’s Vietnamese community
  • Majored in Business Management with a focus on financial markets

Kyle Hadfield

  • Community Manager
  • 13 Years in China
  • Top 300 Redditor

Youngji Leem

  • Works on branding, digital marketing and community management at DCC in Korea
  • Graduated from Tsinghua University

Yu Chen

  • Partner of JX Capital
  • Famous angel investor
  • Advisory Board Member of
  • KOL in China with the net name as “Jiangnan Young Cynic (Jiangnan Fen Qing)”

Ming Yao

  • CTO of CCX Credit, the pioneer of China’s domestic rating industry
  • Worked at Bell Labs, years of experience in big data technology

Zhiwu Chen

  • Former Professor at Yale University
  • Research Director at Hong Kong University
  • One of the most renowned and influential Chinese economist

Henry Cao

  • Renowned financial economist
  • Professor in CKGSB, finance
  • Former professor in UCB and UNC

Matthew Chang

  • Managing Director of KKR
  • Leading expert in the areas of private equity, fixed income, and capital markets
  • Former global senior partner at Roland Berger Strategy Consultants
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.

Hu Sen

Xu Jizhe

Founder and Chairman
Newton Project