I have studied the credits project and I like it very much. It looks like a very good project, the team is very experienced. Such projects usually leave a lot of money
I agree with you about credits. I am interested in credits because his vision is a completely peer to peer arrangement for delivery of financial services: money transfers, currency and value exchanges, crediting, funding and other services made directly between participants.
Last thing, I like their statement that the cap of $15m is a reasonable amount compared to other projects with larger funds that do not show any growth.