Swapy is building a decentralized protocol with a suite of three integrated applications aiming to provide Universal Access to Credit. These applications are: The Swapy Exchange, which aims to connect smart money to emerging economies. It will introduce international investors from countries where the interest rates are comparatively low to credit companies in countries where the interest rates are comparatively high, providing better returns to the investors and lower cost capital for the credit companies; Swapy Financial ID, which aims to empower people, giving them a financial identity that has the purpose to be valid anywhere in the world; Swapy Data Market, which aims to transform users’ financial data into self-determined value through a token-based system. This suite of decentralized applications will allow the individuals to hold their own data and to choose how many tokens they receive in exchange for it, and when, and with whom they want to share. The Swapy Data Market also aims to reduce the entrance barriers for new participants since huge pools of data will no longer be exclusive to large corporations, and instead will present an opportunity for the new entrants. The Swapy Company envision a world of efficient credit markets, with no barriers to entry for new players, where consumers have the power and reap the benefits of Universal Access to Credit.