Global decentralized blockchain-platform, where people and companies can interchange directly to each other. They create the ecosystem, where people can create infinite types of relationships: from hardcore pawnshop-type short-term loans to social loans with zero interest rate, zero collateral rate and without exact timing on repayments (e.g. borrower can pay when there will be an opportunity and the lender is OK with it).Such agility and infinite relationships diversity makes the whole ecosystem more sustainable.