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Ripio Credit Network is a global credit network based on cosigned smart contracts and blockchain technology that connects lenders and borrowers located anywhere in the world and on any currency. The RCN is designed to scale down the selectiveness associated with traditional lending, connecting lenders and borrowers anywhere in the world and on any local currency. Cutting all the costs and management fees, disrupts the current credit environment. The key way this is achieved is by creating a new intermediary agent (the “cosigner”) which neutralizes the lender’s credit risk, and in the case of a default, handles the tools to manage the debt in the borrower’s country of residence.