Bitcoin Forum

Are there such tools to replicate a bank/credit system (or a part of it), perhaps?

If you're asking about a payment card that's connected to your bitcoin balance you've got choices. Here's a list I've found by using google it isn't full but there's choices. Some aren't cheap they've got high fees so read the reviews before signing up.

venmo.com
revolut.com
crypto.com
bitpay.com
coinbase.com

Credit relies on either trust or collateral.  You can create collateralized lending with Bitcoin, but Bitcoin doesn't help with unsecured lending (which is what the credit system is designed to support).

What part of the bank/credit system that you want to replicate?
Because if you just want to clone the whole system then like the first reply above it's illegal because before you can have your own digital retail bank you need to be licensed before you can operate a digital bank.

Or do we misunderstand what you talking about?
You might be looking for a payment gateway where you can able to accept BTC payments on your site or shop.
If I'm right then BTCpayserver (https://github.com/btcpayserver/btcpayserver) is what you looking for.

Your understanding is correct. Thanks for an answer. It seems that there does not exist such software, unfortunately.

What is your purpose if I may know? As far as I can tell people already use BTC just fine for transactional purposes. If you want to be the bank in the system, I guess you can refer to centralized altcoin where the developers mint a ton of the tokens. You can also pre-mine I guess, but it would be difficult to make it mainstream if control what you want.

I don't know what the hell the OP wants a credit system tied to Bitcoin for, when it goes against the philosophy of Bitcoin. Bitcoin was not created to replicate the banking system, rather to attack it. You have credit systems available with fiat and also shitcoins. I imagine OP heard Saylor's message of "borrow against your Bitcoin" or something similar.

The purpose is to experiment with Ux.

Is there an example of an open source "centralized altcoin" tool(kit)/package? It shouldn't feature imitation of decentralization, immutability, resemble Bitcoin etc.

From what it sounds like, you are looking for free fintech software/code...like a banking app, except with its own native currency rather than money. No, there would not be any free, open source or secure fintech code. Usually this code is proprietary and private, and any open source code is just for example sake, or a starting point. It's not generally just ready to go out of the box.

You would be better of trying to build what you are trying to do with web3 and a token, it would probably be easier and less costly, plus there would be a lot more open source code for you to use via smart contracts and from existing open source projects.

He hasn't explained what he's trying to achieve so I've sent info about cryptocurrency cards. It's better when OP's put max info in posts so we're able to understand what they're trying to get. I've read your post & his reply but still haven't been able to understand what he's trying to achieve.