People Powered Money

The Trustlines Network targets the problem of fair access to money by implementing money as bilateral peer-to-peer issued blockchain-based credit. We are developing an open source protocol, including a mobile app empowering end-users to make global payments based on their existing trusted social network.

Check out the white paper or FAQ for more information.


powered by ethereum

The Trustlines Network is the original Ripple idea built on Ethereum

Build on top

The Trustlines Network is built as a protocol for decentralized configurable IOU based currency networks. The protocol comes with open APIs supporting interoperability with other smart contract based services on the Ethereum blockchain. Get started by checking out the codebase.


Permissionless Mobile Payments

The main application is permissionless mobile payments denominated in traditional fiat, unit or time based currencies. The ease of getting started makes mobile payments accessible to the unbanked, i.e. people without ID, cash or a bank account. All needed is a phone, internet and a friend.

Cross-Currency Payments

The Trustlines Network supports cross-currency payments by users automatically accepting the best achievable conversion rate offered from other users. In effect this makes everyone capable of sending worldwide payments with next to no cost or settlement time.

P2P Crypto Exchange

Seller and buyers can securely trade crypto currencies for fiat money or credit without having to know or meet each other. This feature removes the current centralized gateway barriers for acquiring and using cryptocurrencies

Custom Currencies

Communities or businesses can create their own interoperable complementary currencies. Communities pursuing a local circular economy can for example disable interest or global interoperability, while business networks might customize access criteria to conform with regulatory requirements.

Loans & Savings

Credit lines are at the core of the Trustlines system and trivially allow users to lend money. Smart contracts can be used to encode the specific terms (e.g. interest rate) of an agreement. Saving is implicitly supported by taking the opposite side of a loan.

3rd Party Applications

Have any better ideas? Great! The Trustlines Network is an open platform extendable by smart contracts on the Ethereum blockchain, allowing everyone to easily build on top of new or existing currency networks. Get started by heading to the codebase

Get Involved

Trustlines Network is still work in progress. We invite everyone to become a part of the movement and help to shape the future of people powered money. Feel free to join us on Telegram and start the conversation with like-minded who also believe in a financial system where money is working for the people.