Abstract: A system includes credit network computing device(s) coupled to wallet provider computing device(s) and credit exchange computing device(s). Wallet provider computing device(s) receives credit request for loan having credit terms from borrower; generates smart contract including information regarding borrower and credit terms; and communicates smart contract to credit network computing device(s). Credit network computing device(s) receives indication that cosigner agrees to cosign for credit request on behalf of borrower; and communicates smart contract representing credit requests to credit exchange computing device(s). Credit exchange computing device(s) places smart contract representing credit request on order book. Credit exchange computing device(s) receives trading order for smart contract representing credit request from lender.