Celsius has engineered a new global platform to enable peer-to-peer credit lending. Individuals within the network can apply to receive instant credit and apply for loans from other trustworthy network members depending on their transaction history. Using an ethereum-based smart contract marketplace, Celsius is providing an opportunity for everyone to participate in an ecosystem of credit lending. The platform offers peer-to-peer lending bydigital credit scores at low interest rates. Celsius will also enable borrowers leverage guarantors all over the world who are willing to join their digital wallets to our smart contracts to expand a borrower’s credit limit and lower their interest payments further.