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Ripio Credit Network (RCN) is a blockchain-based lending platform that uses smart contracts to facilitate peer-to-peer loans across borders without traditional intermediaries. The platform's key features include decentralized credit scoring, automated loan management, and native RCN token incentives that reward lenders and borrowers for participation. What distinguishes RCN is its focus on providing financial services to underbanked populations in emerging markets by reducing costs and enabling access to credit through a transparent, globally accessible network.