Swapy Network is a decentralized platform that aims to provide Universal Access to Credit. It is divided into three main systems that also reflect our goals: (1) to connect money markets; (2) to creates an universal financial identity for individuals and organizations, valid worldwide; and (3) to provide a huge financial data source where individuals have the rights and reap the value of their own data. (1) Swapy Exchange provides an innovative way to connect smart money to emerging economies, playing a big role in world's development. It connects international investors from countries where the interest rates are lower to credit companies in countries where the interest rates are much higher, providing better returns to the first and lower cost capital for the latter. Challenging the status quo of companies holding and selling individuals' data, the (2) Swapy Financial ID empower individuals, giving them the right to a worldwide financial identity that is valid anywhere in the world at any time. The combination of this system to the (3) Swapy Data Market transforms user's financial data into value for the data owners. Now, individuals will hold their own data and choose how much tokens they receive in exchange for it when they want to share, and for whom. This also reduces the entrance barriers for new players, since huge pools of financial data are not anymore an exclusivity of the big corporations, but an opportunity for the new entrants. This is our dream for a future enabled by the Swapy Network: A world of efficient credit markets, with no barrier to entries for new players, where consumers have the power and reap the benefits of Universal Access to Credit. For further details, visit: [ www.swapy.com.br ]