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Which blockchain are you using?
We are building on Tendermint, a proof-of-stake BFT protocol focusing on the networking and concensus layers.
Three main reasons behind this decision: speed, security, scalability. Tendermint blocks can commit to finality in the order of 1 second and handle transaction volume at the rate of 10,000 transactions per second for 250 byte transactions. The bottleneck shifts to the application layer. https://github.com/tendermint/tendermint/wiki/Introduction
Our database layer interface is through the Tendermint Application BlockChain Interface (ABCI) - https://github.com/tendermint/abci - where the application layer focuses on storing and managing the ownership of the encrypted credit data. This is where we layer the RPC logic, and ontop develop Explorer and interfaces like dApp (brower with Credible JS driver, mobile SDKs, etc).
As we have started R&D on building SmartPesa Credible, our project is listed in Cosmos & Tendermint Ecosystem entry #40 - https://forum.cosmos.network/t/list-of-projects-in-cosmos-tendermint-ecosystem/