Sikoba is a decentralised money platform based on peer-to-peer IOUs and built on blockchain technology. Participants who know and trust each other in real life grant each other credit lines in the Sikoba system. They can then pay each other without using fiat money. These peer-to-peer credit relationships are governed by contracts with specific conditions, fee structures and repayment rules. Using credit conversion, a kind of configurable rippling, payments between participants who do not trust each other become possible. Fiat money or cryptocurrencies are used when there are no credit links between participants, or to repay outstanding balances when needed.