Digital Credit is designed using a brand new blockchain architecture by implementing POA (Proof of Ability) actions(such as challenge, competition, test, teaching, posting, ranking, achievement, contribution, review and voting etc.) to create a decentralized, trustworthy, easy to use, immutable, autonomous digital credit community and application platform. Community or application members can apply for loans or crowdfunding, sell tickets or even get a reward from Digital Credit by their credit database only based on their own, genuine talents.