Ripio Credit Network

RCN币是Ripio Credit Network平台发行的代币，而Ripio Credit Network是基于区块链智能合约技术的协议，它有个很宏大的目标，就是通过RCN协议来连接世界上任何两个信用借贷人（借款人和放贷人），不管你是哪个国家的人，也不管你使用的是哪种货币。Ripio Credit Network通过把借款链条的各个主体通过智能合约的纽带连接起来，减少传统银行的中介费用和管理费用，最终给借款人和放贷人提供一个体验更好的服务。
在Ripio Credit Network代理商之间的交易都需要用到RCN币：借款人需要支付RCN币给身份验证商用来验证身份，信贷评分商提供借款人的信誉评级以获得RCN币，共同签署人收取RCN币作为佣金，以和借款人共同签署智能合约。当贷款人同意信贷交易所上市的智能合约时，信贷交易所将通过智能合约将相应的与贷款金额相同额度的RCN币发送到电子钱包提供商，最后，电子钱包提供商将RCN代币换成当地货币，提供给借款人。由于贷款人需要使用RCN币来完成贷款投资，网络代理商的费用也用RCN币来支付，使用Ripio信贷网络的人越多，RCN币越有价值。

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Ripio Credit Network (RCN) 简介

SebastianSerrano 是创始人兼CEO，前DevsAr CEO；DavidGarcia 是SVP和董事会成员，前PayU CountryManager。团队成员中，还有合规人员，也是前DevsAr联合创始人，也有来自前IBM分析员的运营和管理负责人、数据科学家、风控人员、增长和内容负责人、客服负责人等。核心开发团队有4人，CTO Antonio Ceraso是区块链开发者，也是前devsAr的开发负责人，另外三位有一位是区块链开发者，一位是全栈开发者，一位是移动端开发者。投资人团队，包括了大名鼎鼎的Tim Draper，其他的还有DCG、FundersClub及Boost.VC ，分布式资本等。

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