Creditcoin (CTC) Price

$0.18

15m

Creditcoin (CTC) Price Today

The live price of Creditcoin is 0.18 USD. In the past 24 hours, the trading volume of Creditcoin was 1,867,719.24 USD, down by -4.98%. The current price has decreased by -28.31% from its 7-day high of 8.67 USD, and increased by 0.12% from its 7-day low of 0.17 USD. With a circulating supply of 599,999,997.00 Creditcoin, the market cap of Creditcoin is currently 313,820,498.00 USD, down by 0% in the last 24 hours. Creditcoin currently ranks #310 by market capitalization among cryptocurrencies.

Creditcoin (CTC) Market Data

Market Cap

$92.2M

24h Volume

$1.8M

Circulating Supply

515.6M CTC

Maximum Supply

Fully Diluted Market Cap

$107.3M

Liquidity Indicator

2.02%

About

Rate

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FAQ

About Creditcoin (CTC)

How can I buy Creditcoin (CTC)?

Buying Creditcoin (CTC) on BingX is simple and secure. Create an account, deposit USDT or another supported asset, and purchase Creditcoin (CTC) directly in the Spot Market. The tokens will then appear in your BingX Spot Wallet, ready for trading or transfer at anytime. Discover How to Buy CTC Guide for more information.

What Is Creditcoin (CTC) and How Does It Work?

Creditcoin (CTC) is a blockchain network designed to connect real-world lenders and borrowers through a transparent, trust-minimized credit infrastructure. Instead of issuing loans directly, Creditcoin records loan terms, repayments, and credit histories on-chain, creating a verifiable and tamper-resistant credit record. Its goal is to improve access to credit, especially in emerging markets, by reducing information asymmetry between borrowers and lenders.

Creditcoin works as a layer-1 blockchain optimized for recording credit transactions. When a loan is issued off-chain (for example, between a lender and a borrower using stablecoins), the loan details, such as amount, interest rate, maturity, and repayment status, are anchored on the Creditcoin blockchain. This allows anyone to verify loan performance without exposing sensitive personal data, helping lenders assess risk based on on-chain credit history rather than traditional intermediaries.

The CTC token powers the network by being used to pay transaction fees for recording and updating credit data on-chain. These fees help secure the network and incentivize validators who maintain consensus. By separating capital provision or off-chain lending from trust and verification via on-chain records, Creditcoin creates a scalable credit infrastructure that bridges traditional finance, DeFi, and real-world lending use cases.

When Did Creditcoin Launch?

Creditcoin (CTC) officially launched its mainnet on April 4, 2019, marking its entry as a blockchain network designed to record and verify credit and lending transactions on-chain to improve financial inclusion, especially for the underbanked in emerging markets. The project was developed and launched by a diverse team with roots in the United States, Canada, South Korea, Nigeria, and Estonia, including co-founders Tae Oh, Scott Hasbrouck, Sung Choi, Vladimir Kouznetsov, and David Lebee; Tae Oh also serves as founder and CEO of Gluwa, one of the key technology partners behind Creditcoin’s creation.

Creditcoin (CTC) Roadmap Highlights

- April 2019 – CTC mainnet launch and first live trading.

- 2022–2023 – Technical upgrades including Creditcoin 2.0 and transition toward more scalable infrastructure.

- 2023 Q3 – Creditcoin 2.0+ launch with Proof-of-Stake upgrade, faster block times, and new features like G-CRE to CTC swap interface.

- 2024 Q1 – Testnet launch for Creditcoin 3.0, setting the stage for multichain and interoperability enhancements.

- 2025 and beyond – Continued ecosystem expansion including DEX launches, NFT integrations, and broader RWA tooling for users and developers.

What Is the CTC Token Utility?

The CTC token is the native utility token of the Creditcoin blockchain, serving as the backbone for its decentralized real-world credit and lending infrastructure. It is primarily used to pay transaction and gas fees on both the native and EVM layers of the network, enabling users to record and update credit histories on-chain. CTC also plays a key role in network security and governance, holders can stake tokens to support consensus, earning rewards, and participate in protocol decision-making, while validators and nominators help secure the chain through Creditcoin’s proof-of-stake mechanism. Additionally, CTC unlocks access to ecosystem functions such as interacting with dApps, smart contracts, and emerging projects built on Creditcoin.

To trade CTC on the BingX Spot Market, simply fund your BingX account with a base asset like USDT, search for the CTC/USDT trading pair, and place your buy or sell order at your desired price. Once your order is filled, your CTC tokens will be credited to your BingX wallet, ready for holding, trading, or transferring.

What Is Creditcoin Tokenomics?

Creditcoin has a fixed total supply of 2 billion CTC tokens. At a high level, Creditcoin uses a fixed maximum supply with emissions primarily directed toward securing the network and sustaining ecosystem growth. Transaction fees paid in CTC are required to record, update, and verify credit events on-chain, ensuring that token demand is directly tied to real network activity. Staking rewards incentivize validators and nominators to maintain consensus, while governance mechanisms allow token holders to influence protocol upgrades and economic parameters.

What Makes Creditcoin Different From Other Tokenized RWA Projects?

Creditcoin differs from most tokenized real-world asset (RWA) projects by focusing on credit infrastructure rather than asset tokenization. While many RWA platforms tokenize physical assets like bonds, real estate, or invoices, Creditcoin records loan agreements, repayments, and credit performance directly on-chain without issuing tokenized debt instruments. This approach avoids custodial risk and regulatory complexity while creating a transparent, verifiable credit history that lenders can trust across borders.

Another key difference is Creditcoin’s separation of capital from trust. Loans and capital flows occur off-chain using fiat or stablecoins, while the blockchain is used purely as a neutral settlement and verification layer. This design makes Creditcoin highly scalable and interoperable with both traditional finance and DeFi, enabling global lenders to assess borrower reliability based on immutable on-chain data rather than local credit bureaus or intermediaries, something most RWA tokenization projects do not address.

What Blockchain Network Does Creditcoin Operate on?

Creditcoin operates on its own layer-1 blockchain, purpose-built to support on-chain credit and lending records at scale. The network runs on a proof-of-stake (PoS) consensus model and is built using Substrate, allowing high throughput, low transaction costs, and native interoperability features. In addition to its core chain, Creditcoin supports EVM compatibility, enabling Ethereum-based smart contracts and DeFi applications to interact seamlessly with its credit infrastructure.

How to Store CTC Tokens Securely

One of the easiest and most secure ways to store CTC tokens is by keeping them on BingX. When you hold CTC on BingX, your assets are protected by the platform’s multi-layer security infrastructure, including cold wallet storage, real-time risk monitoring, and industry-standard account protection tools. Storing CTC on BingX also allows you to trade instantly on the spot market without the need to manage private keys yourself, making it a convenient option for active traders.

For users who prefer self-custody, CTC tokens can also be stored in non-custodial wallets that support the Creditcoin network or its EVM-compatible version. Hardware wallets combined with supported software wallets offer enhanced security by keeping private keys offline, while still allowing interaction with Creditcoin dApps and on-chain services. This option gives you full control over your assets, but it also requires careful key management and backup practices to avoid permanent loss.

Is Creditcoin (CTC) a Good Investment?

Creditcoin stands out as a compelling long-term investment because it targets a real-world problem with measurable demand: access to transparent, verifiable credit. Unlike speculative token models, CTC derives utility from actual network usage, as lenders must pay CTC fees to record and update loan data on-chain. Its layer-1 architecture, proof-of-stake security, and growing EVM compatibility position Creditcoin as core infrastructure for real-world asset (RWA) and credit markets, particularly in underbanked regions. As adoption of on-chain credit, tokenized finance, and institutional RWA solutions expands, demand for CTC can grow alongside network activity, making it attractive for investors seeking utility-driven exposure rather than hype-based returns.

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Disclaimer:

Price analysis and valuation are influenced by multiple factors, and theoretical projections do not guarantee that a token will reach a specific price level. The information provided is for informational purposes only and does not constitute investment advice. Investors should conduct their own research before making any financial decisions.

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