News

Oct 31, 2025

How Data Networks Decide Who Gets Credit in 2025

Every loan application runs through connected systems that analyze payment patterns, income data, and digital behavior in real tim...

Oct 07, 2025

CBDCs + Open Credit: A Three-Layer Model for Privacy, Inclusion, and Audit

By separating settlement, credit, and privacy layers, this architectural model for CBDCs aims to prevent surveillance while enabli...

Oct 07, 2025

Can Decentralized Finance Truly Fix Global Credit Inequality, or Will New Forms...

In 2022, over 200 bank accounts in Canada were frozen without notice, leaving protesters unable to access their money. This event...

Sep 18, 2025

Gluwa: A Financial Haven for the Uncredited

Gluwa is pushing the radical idea that credit access should be available to anyone, anywhere, who demonstrates creditworthiness an...

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