WOuld rather a reply thats not a whitepaper, more a laymans explanation if possible please
CreditGame --- you can play games and win awards in creditbit but if you loose you will only lock your staked amount of CRB for a while
CreditBond --- Lock your coins like in a bank and receive up to 12% of interest per year
CreditBay --- imagine ebay but you can pay for/sell goods in/for CreditBit

and more CreditXXX functions coming...
All on Ethereum platform...which is getting more popular every day.