# Creditcoin (CTC): D-Score 64/100 — Decentralized

**BlockIndex D-Score: 64/100 (Decentralized).** Creditcoin (CTC) is a Layer 1 cryptocurrency using PoW consensus. Creditcoin: Decentralized credit history platform facilitating cross-chain credit transactions and financial inclusion.

_Source: https://blockindex.ai/coin/ctc · Data by BlockIndex.AI · Updated 2026-06-19_

## D-Score breakdown (0-100, higher means more decentralized)
| Component | Score |
| --- | --- |
| Overall D-Score | 64 |
| Node distribution | 30 |
| Initial distribution | 0 |
| Governance | 16 |
| Age and history | 13 |
| Autonomy | 5 |

## Key facts
- Layer: Layer 1
- Consensus: PoW (Other)
- Launch: Other (2019)
- Founder: Tae Oh, Scott Hasbrouck, Sung Choi, Vladimir Kouznetsov, David Lebee
- VC funded: No
- Max supply: 600,000,000
- Circulating: 540,658,812 (90.1%)

## Market data (as of 2026-06-19)
- Price: $0.09
- Market cap: $50.56M
- 24h volume: $4.08M
- 24h change: -2.85% · 7d change: -6.33%

## About
Creditcoin is an innovative blockchain platform specifically designed to facilitate credit transactions and build credit histories across different blockchains. Launched on April 4, 2019, it aims to address the lack of a formal credit system for the unbanked populations in emerging markets. By recording credit transaction history on a public blockchain, Creditcoin provides a trustless environment where credit histories can be objectively verified, thus solving trust issues typically associated with non-bank lenders. This project stands out by bridging the gap between real-world assets and digital blockchain ecosystems, offering a decentralized credit market that banks can trust, potentially revolutionizing access to credit for millions who are excluded from traditional banking systems. Creditcoin represents a groundbreaking advancement in blockchain-based credit systems by creating a transparent and trustworthy credit history for individuals left outside the traditional banking system. With growing capabilities for cross-chain transactions and decentralized lending, Creditcoin is strategically positioned to bridge gaps in financial inclusion, all while maintaining robust security and scalability through a Proof-of-Work consensus. The governance model emphasizes a decentralized structure without reliance on any single entity, ensuring community-driven growth. Its technical framework supports secure, scalable, and decentralized credit transactions.

## Links
- Website: https://creditcoin.org/
- Whitepaper: N/A
- GitHub: N/A

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About the D-Score: BlockIndex.AI rates decentralization from 0 to 100 across node distribution, initial distribution, governance, age and history, and autonomy. Methodology: https://blockindex.ai/dscore