Friendsvow is decentralizing access to credit with automated Peer-to-Peer online credit solution, It's like Facebook but for Credit with transaction process on Blockchain for a transparent display of credit and debit transactions and Bitcoin for global payments, We help friends, family, colleagues to monetize themselves using the African model of rotational savings to get instant credit without waiting for banks or any financial institution and the transaction process on blockchain nodes written in smart contract ensures all commitments and schedule of vows is enforced by automation. Friendsvow Credit Solution also makes it possible for us to partner with Banks and Financial Institutions to recover bad loans from defaulting customers, Friendsvow community monetization product makes it possible for us to help cooperative bodies, football fans to monetize their network and get #Bitcoin and any other currency Credit card using the Friendsvow eCredit solution. The biggest man-made problem in the world today is financial inequality and financial exclusion caused by the centralization of credit, decentralization of credit on blockchain will eliminate the need for individuals to go to get approval from Banks before cleaning their credit history Friendsvow is an equal employer of labor offering opportunities to disabled people. women, elderly people, based on merit and competence