README.md

Creditopia - Empowering SMEs with Blockchain

Creditopia is a P2P lending platform built on the Internet Computer Protocol (ICP) that connects SMEs with a global pool of lenders, offering secure, transparent, and efficient financing solutions.

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Why Creditopia?

1. Transparent and Secure Lending

Creditopia leverages blockchain technology to ensure complete transparency in lending processes, allowing both borrowers and lenders to track every step of the transaction on an immutable ledger.

2. Efficient Loan Processing

By utilizing smart contracts, Creditopia automates the loan disbursement process, reducing delays and ensuring funds are released as soon as conditions are met.

3. Global Access to Capital

SMEs can access a global pool of lenders, overcoming the limitations of traditional banking systems and finding more competitive loan terms.

4. Dual Benefits for Lenders

Lenders earn interest on loans and can also stake their Creditiopia Token (cDTP) to earn additional rewards, maximizing their returns.

5. Use cDTP (Creditopia Token) for Ecosystem

Whether Stake Your cDTP for more earnings, or simply use it in our Ecosystem for anything you want!

6. Simplified Borrowing for SMEs

The platform provides a user-friendly interface for SMEs to create loan requests with minimal paperwork, streamlining the borrowing process.

7. Integration with ICP and Cryptocurrency

Creditopia utilizes ICP for seamless operation and scalability, allowing transactions across borders without the restrictions of traditional currencies.

Features, Amazing Creditopia Features That Leveraging ICP

1. Peer-to-Peer Lending: Empowering Borrowers and Lenders

Creditopia revolutionizes the lending process by using blockchain technology for total transparency, allowing both borrowers and lenders to monitor every transaction securely on an unchangeable ledger.

2. AI-On-Chain KYC: Safeguarding Lenders with Decentralized Data

Creditopia enhances security by employing AI-driven smart contracts for Know Your Customer (KYC) procedures, ensuring that lenders are protected while maintaining data decentralization.

3. Double Your Earnings: Stake Utility Tokens for Extra Rewards

Lenders can earn not just from interest on loans but also by staking their utility tokens, providing two avenues to maximize their financial returns.

4. Seamless Wallet Integration: Effortless Access with Plug Wallet

Creditopia simplifies the lending experience by allowing users to log in and manage their funds easily with Plug Wallet, streamlining transactions within the ecosystem.

Technologies Used

• Internet Computer Protocol (ICP)
• Rust for AI-On-Chain KYC
• ICRC for Staking Token Mechanism
• Vue.js for Frontend
• Motoko for Backend
• Plug Wallet Integration

What we are proud of:

• We successfully deploy AI on chain
• We successfully playing with ICRC Token standard
• We already implementing Staking Scenario like a common EVM or ETH on IC
• We already implementing Lending and Borrowing scenario on IC

The Superpower of IC

• Easy debugging on motoko
• Uploading AI model
• Easy to setup and change to other stack
• Good and supporting community
• Cheap deployment

Getting Started

1. Clone the repository:

   git clone https://github.com/Nafidinara/creditopia.git .

2. Go To INSTALLATION.MD: Follow all the instruction on the INSTALLATION.MD file

Demo App

Creditopia Landing Page	Register to Creditopia

My Account	Create Loan

Verify Loan	List Loans

Loan Details - Lender	Loan Details - Borrower

Stake cDTP	Unstake cDTP

Ecosystem

License

Distributed under the MIT License. See LICENSE.txt for more information.

Created by Ulti Nolan Team

• Alfara Nafi Dinara (Developer)
• Nisrina Thifal Khairunnisa (UI/UX Designer)
• Ramadhani Samudera Gawang Indiyanto (Developer)
• Anzalla Dzikri Dhamara (Developer)
• M. Emirsyah Makarim (Developer)