Independent research on blockchain startups and ICO’s

Ripio (RCN)

19 Oct 2017


ICO date: 24 October 2017 
Whitepaper Available       Company Website


Creating a global P2P credit network


Ripio (formerly BitPagos) is a Buenos Aires-based fintech startup which seeks to implement a global P2P credit and lending network on the blockchain.


Ripio claims to already have over 100,000 users in Latin America which utilize its bitcoin exchange and credit products. 


In brief, the Credit protocol they are developing has a requirement of several parties to successfully execute the contract:


1) Borrowers who seek to establish a line of credit

2) ID Verifiers who perform KYC checks

3) Scoring Agents that assist in determining credit risk

4) Co-signers who underwrite the risk of the credit default

5) Lenders that put up the capital being loaned



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