The purpose of this protocol is to send money to a friend or fellow and receive the same amount back. By doing so, both parties improve their on-chain credit record. We built on Arbitrum in order to make fees as low as possible. This protocol does not generate or tell you your credit score, it is merely infrastructure for credit-building transactions. The reason that you need a coin specifically for this purpose is that the user's intention is clear. With this protocol, all smart contract interactions are considered to have the intent of being returned - or be themselves be a return to the original sender. If both parties cooperate then both their credit scores should increase. With larger transaction sizes, there is more of a credit-building effect. Please be careful who you use this protocol with because these transactions carry risk. Other DeFi protocols that actually provide a credit score can utilize the data from our smart contract to adjust your credit score.