Credit is created in the Bitcoin standard by working differently than traditional fiat-based systems. Whereas the decentralized currency and the limited supply of Bitcoins as per the Bitcoin standard will be a notable change in credit creation. Without a central bank controlling the money supply, credit expansion will primarily rely on the creation of peer-to-peer platforms and the DeFi protocol. Smart contracts and block chain technology make the Bitcoin standard credit to make the process transparent and even reduce the need for intermediaries to automate the lending process.