Cred is a decentralized global lending platform that facilitates open access to credit anywhere and anytime. Founded by former PayPal financial technology veterans, Cred has secured over $250,000,000 of lending capital with offices in San Francisco, Shanghai, Singapore, Sydney, and Munich. Cred’s mission is to harness the power of blockchain to allow everyone to benefit from low-cost credit products. Cred brings together a diverse team of entrepreneurial leaders, machine learning, and the power of blockchain technology. Cred is a founding member of the UP Alliance, whose other members include Uphold, Blockchain at Berkeley, FBG Capital, and Brave Software. Universal Protocol [UP] is a universal transparent reserve Collaboration with Cred, Co-Founder of the UP Alliance and new USD Stablecoin standard that introduces ‘Universal’ digital assets to the world via the Universal Protocol Platform (UP Platform). The UP Platform, backed by a group of leading institutional investors, serves as the hub for the creation and management of USD Stablecoins, universal tokens and user features that will drive mass user adoption of cryptocurrencies. For everyday users, the platform introduces groundbreaking new types of safeguards that render cryptocurrencies significantly more practical and convenient to own, such as private key recovery, inheritability and loss assurance.