Swapy Network is a decentralized protocol providing Universal Access to Credit. On top of it, we are creating three decentralized applications with the following goals: to connect money

markets; to create a financial identity for individuals and organizations, valid worldwide; and to provide a huge financial data pool, open to anyone, where individuals have the rights and reap the value of their own data. The Swapy Exchange connects smart money to emerging economies. It put together international investors from countries where the interest rates are lower and credit companies in countries where the interest rates are higher, providing better returns to the first and lower cost capital for the latter. Challenging the status quo of companies holding and selling users’ data, the Swapy Financial ID empowers people, giving them the right to a financial identity that is valid anywhere in the world. The combination of this system to the Swapy Data Market transforms users’ financial data into value for themselves. Now, individuals hold their own data and choose how much tokens they receive in exchange for it, when, and for whom they want to share. This also reduces the entrance barriers for new players since huge pools of data are not anymore big corporations’ exclusivity, but an opportunity for the new entrants. This is our dream for a future enabled by Swapy Network: A world of efficient credit markets, with no barriers to entry for new players, where consumers have the power and reap the benefits of Universal Access to Credit.