The CREDITS platform is a decentralized financial system that allows for direct trading between participants based on peer-to-peer (P2P) principles. This platform expands the potential for using financial services on the basis of distributed ledgers, self executing smart contracts, and CREDITS cryptocurrencies. The system aims to unite all participants on one site, providing them with a platform to create and use financial services; Everyone can provide services and use them. Due to its clear and balanced technical system, the CREDITS platform provides new technological solutions and a new conceptual model for the interaction of network participants for the development of modern decentralized financial services. CREDITS currency can be used as an internal payment method for system use. CREDITS can also be used to exchange different currencies and values within the system, create and process business based on smart contracts, and purchase information from third-party sources from the system for services....