The Ledger That Could Replace Equifax Forever

It won’t be overnight. Equifax won’t disappear with a single blockchain but its obsolescence is coming. Imagine a future where credit histories are global public records (with encryption), where a thrifty small business owner in Nigeria or Bangladesh can get a home loan in New York or Lagos based on blockchain reputation alone. Companies like Gluwa are building the rails today. Their ledger doesn’t just promise to topple Equifax; it will lift the underbanked out of invisibility. If that vision is realized, one day headlines will read “Equifax Finally Blindsided by World’s First Decentralized Credit Ledger, Unreplacement Confirmed.”