SmartPesa Credible puts business credit data onto the Blockchain in a way that is private and owned by Merchants. Data is valuable. Especially for SME businesses who struggle to obtain financing due to a lack of trustworthy credit data. Approximately 40% of all SMEs cannot obtain access to vital credit: a funding gap of over $5.2 trillion per annum. That is why we have created SmartPesa Credible ("Credible"). But unlike traditional credit bureaus who look to monetize other people’s data, Credible gives ownership and control directly to the merchants themselves. They get paid for their data and they can opt out of the system altogether. All payments are in PESA tokens.