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Bitcredit Protocol
npub1eajv...cd93
Bitcoin for the real economy. Built on Bitcoin, e-cash and Nostr.
The Bitcredit eCash Wallet is now live on the Google Play Store.
If you tested the mainnet wallet on Android during the public alpha test, you need to switch to the official release:
(Write down your seed phrase before switching.)
https://play.google.com/store/apps/details?id=org.bitcr.wallet
Install the new app, then restore your wallet using your seed phrase.
One note: restore each seed on the same network it was created on. Testnet on testnet, mainnet on mainnet.
Restoring a testnet wallet? The app opens on mainnet by default. Create or restore a mainnet wallet first, then switch to testnet in the Settings and restore your testnet seed.
Any questions?
PS: The team is still working on getting the Apple iOS version from Testflight to the "normal" App Store.
Now that Bitcredit Beta is on mainnet, the app names should be firmed up, too.
Naming it “Bitcredit Core” does not help because the protocol stack needs three apps to work. So we better give it three names:
1. Bitcredit eBills: the reference app for wholesale money, essentially Bitcoin-native electronic bills of exchange. For business users.
2. Bitcredit eCash: the reference wallet for Bitcoin retail money payments. For everyday users.
3. Bitcredit Wildcat: the app for Bitcredit mints, which splits e-bills into fungible e-cash. For mint operators.
Any thoughts? Clear enough?
Bitcredit Protocol Week 32 Status Update
=======================
eCash Wallet: Preparations for next release with improved payment transaction list (Bitcoin on-chain and e-cash) and user-friendly transaction detail.
eBill Development: Initialized migration from PWA to iOS / Android native apps. Using Flutter for multi-platform support; brainstorming on sweep vs key import.
Users: Progressing outreach to alpha pilots in the coffee/cacao sector; clarifying logistics for first real economy transactions on Bitcoin.
Community: Deployed a new governance bot for debate/voting updates; revising outdated gitbook sections for re-release, and exploring migration of e-IOU guarantee asset onto RGB.
Electronic Bills of Exchange on #Bitcoin rails greatly reduce supply chain risk for global trade, when compared to slow and expensive fiat bank methods.
1. Immutable record of counterparty honesty.
2. Better discipline for trade pre-financings.
3. No more document loss, theft, or forgery.
Get started: www.bit.cr
THE SEEN AND THE UNSEEN
The Seen
Electronic bills bring some cost savings by reducing the reliance on paper, printing, archiving, and courier costs.
The Unseen
The much bigger cost saving comes from e-bills on #Bitcoin rails, removing the bureaucratic financial intermediaries and the many expensive professional services, lawyers and accountants, and financial advisors they need.


Supply chain companies have almost forgotten a great power they once possessed.
Without this old knowledge, Companies now bow to banks for credit and liquidity. Supply chains have become dependent on fiat money and pay dearly for the privilege. And too often, bank credit is denied. Producers stagnate, wither, or even fail.
But merchants once held the power over their own destiny. Because supply chains can run on self-liquidating credit that requires no bank.
Bitcoin, through Bitcredit Protocol, can restore your company's power.
Sellers can again extend terms directly to creditworthy buyers without sacrificing capital or liquidity. No bank can act as gatekeeper, deciding which trades may happen or not.
Merchants can become sovereign again.
With #Bitcoin.
Learn more: www.bit.cr


Bitcoiners!
Since last Friday, #Bitcoin is ready for mass adoption.
Bitcredit has built the MVP of the software for Bitcoin's missing credit layer.
Get it here: www.bit.cr
Fiat no longer has a monopoly on production credit.
Now the ball is in everyone's court.
It's not enough to talk to individuals.
We must now orange-pill businesses.
Bitcredit Protocol distinguishes two types of electronic bills of exchange:
1. Real bills are created in exchange for real goods entering the supply chain. They are backed by proof of work: resources and energy spent for producing these goods.
This first kind is “self-liquidating”. When the buyer re-sells the goods he receives money: coin or credit.
2. Financial bills just document a claim to future money.
The second kind is speculative. There is nothing produced yet. All production is in the uncertain future.
CONSEQUENTLY
This is why the Bitcredit Protocol rule is that Wildcat mints may only mint real bills into Bitcoin credit money. Also, bills must be verifiably paid on Bitcoin mainchain at maturity.
If we strictly observe this, the total Bitcoin monetary system can be adopted by businesses, work in the real economy AND be shielded against fiat money shenanigans.
We must be as toxic about this rule as about the 21 million limit for Bitcoin base money.


At @BTC Prague @npub1924x...4f6r presented the plan how #Bitcoin can monetise. It need two to tango: fixed supply money and elastic supply of commercial credit.
If you are a bitcoiner and work in the supply chains for real goods, Bitcoin needs you now.
It is buying and selling on trade terms that will stabilise #Bitcoin.
Too few know this.


With Bitcredit, electronic bills of exchange (e-bills) are permission less and censorship-resistant. They can be accessed and processed from anywhere, just like #Bitcoin.
Digitalisation helps smooth international trade and online collaboration among parties in different jurisdictions.
In the supply chains, electronic bills of exchange eliminate the need for physical document handling, speeding up transactions and reducing administrative burdens.
E-bills on Bitcoin rails are a perfect combination, 100% digital and direct.
Tired of the fiat system blocking real business growth with debanking, credit restrictions, cumbersome payments, bureaucracy, and fiat uncertainty?
Drawing from free banking principles (but without banks) and Adam Smith's real bills concepts, Bitcredit solves the most dire working capital needs in the poorest countries for the most disadvantaged businesses. On Bitcoin rails.
Central planners and fiat/surveillance systems cannot.
Bitcredit Protocol is bringing honest trade finance back: peer-to-peer electronic bills of exchange built directly on Bitcoin. No intermediaries, no permission, censorship-proof.
Suppliers get faster liquidity, buyers get better terms. Trade and production can flow and expand instead of being throttled by increasingly dysfunctional fiat banking rules.
Trade needs this. Bitcoin’s destiny is not just digital gold in a cold wallet. It can be a fantastic foundation for everyday trade and wage funds. Sooner than you think.
Bitcredit Protocol (Beta) is flipping its switches to "On". eBill is coming online, eCash will follow in a few days.
For who? Business owners, Traders, CFOs, Treasurers:
Is your business constrained by the fiat framework? Reach out and explore the new possibilities together.
Bitcredit week 22 update:
-Multi-wallet integration underway. Mainnet and testnet wallets will coexist in one app
-Mainnet readiness work continues
-Wallet UX redesign advancing to pay/receive flows
-Large group User Acceptance Testing completed with no major technical issues found.
Bitcredit Week 21 Update:
1. New coin selection algorithm optimises storage requirementents
2. Mainnet soft-launch preparations progressing
3. Mint operators can now quote, mint, collect, redeem, swap, melt directly from dashboard
4. Major eCash wallet UX redesign underway
5. Lots of interest from international corporate treasuries after our keynote talk at PwC Treasury Conference 2026 in Geneva.
Bitcredit Week 20 update:
1. Full blinded verification system is now live across Clowder, Wildcat, and Wallet
2. Structure with systemic-melt, anti-DDOS-swap, and market-driven mint fees complete for mainnet readiness
3. Major wallet improvements: iOS NFC, deep links.
4. eBill frontend unit tests automatised
5. Onboarding and verification flows further streamlined
6. Education: Live demo of Bitcredit Alpha 0.5.9 at
Madrid Bitcoin 2026 🇪🇸.
7. Bitcoin-native trade finance for supply chains presented at
PwC Treasury Conference in Zurich 🇨🇭.
Soft-launch imminent.
Tomorrow, CEOs and CFOs of Bitcoin Treasury Companies can learn about four new ways to deploy idle #bitcoin on their balance sheets.
@HubertusVIE will demo the free open source Bitcredit Protocol at the Madrid Bitcoin Summit 2026 in 🇪🇸.
Join the session at 10:20am. Language is English 🇬🇧.
PS: It's the organiser's first Bitcoin conference.
Repost to give them some juice:

MadBitcoin Summit
MadBitcoin Summit

The Fiat System as dominated by nationalised, politicised central banks is destroying itself.
Exports decline significantly (-35%) when local banks lose correspondent network access due to ever more politicised regulations for victimless 'crime'. This is followed by workforce layoffs and unemployment. The poorest countries are most affected.
#Bitcoin fixes this and #Bitcredit is how.
Let's get it launched!
Job available for Excellent UX/UI Designer. Pays in Bitcoin.

Bitcoiner Jobs
Bitcoiner Jobs | Business Operations Jobs
Find Business Operations jobs working with Bitcoiners.
With the Bitcredit Protocol close to launch, #Bitcoin is suddenly of interest for global corporations.
Our Founder, Hubertus Hofkirchner, "the Austrian", has been invited to give a keynote at the @PWC Treasury Conference Zurich.
He will talk about what almost nobody in Corporate Finance dares to ask:
Why is Treasury becoming ever more complex?
Whom is this good for?
Why are banks, supply chains, and corporate treasurers facing ever more FX chaos, compliance burden, systemic fragility, risk-off, and even debanking?
Our thesis:
Over the last 100 years, money has become political, nationalised, monopolised, permissioned, fragile, surveilled, all in the name of propping up a failing, politically captured monetary system.
But new technology gives us a glimpse of a way out of this mess.
https://www.pwc.ch/en/events/treasury-conference-2026.html