Week 4/2026 Update: 🥳 Hooray! 🥳 Bitcredit core team has finished raw MVP versions of all three elements needed for the Bitcredit Protocol stack: – eBills – Wildcat Mint (and dashboard) – Minibill Wallet Further progress: - Validated main protocol flows – Successfully tested online and offline Wildcat intermint exchange on Bitcoin Testnet3 – Wallet now supports create/restore, payment requests, QR payments, and redemption – Improved Wildcat dashboard consistency: e-bill details and auto-update behaviour

🥳 Hooray! 🥳 – Bitcredit core team has finished raw versions of the Bitcredit Protocol MVP stack: eBills, Wildcat Mint, Minibill Wallet. Further progress: - Validated core protocol flows – Successfully tested online and offline Wildcat intermint exchange on Bitcoin Testnet3 – Wallet now supports create/restore, payment requests, QR payments, and redemption – Improved Wildcat dashboard consistency: e-bill details and auto-update behaviour

Bitcredit Project Week 3 Update: – Successfully demonstrated Bitcoin credit minting and melting onchain on Bitcoin Testnet3 – First multi-mint Wildcat Clowder is up, enabling fully decentralised operation – Wildcat dashboard flows are nearly complete, unlocking full end-to-end demos

We cannot sustainably earn #Bitcoin and spend #Bitcoin while the real economy stays on foul fiat currency. But how? Orange pilling merchants to accept Bitcoin is one. Hard. But the regional Bitcoin Economies pushed by fired-up enthusiasts show that it can be done. Follow @Federation of Bitcoin Circular Economies to see the progress. Now we also must orange pill 💊 the global supply chains. Make Bitcoin economies truly circular, bring them into international trade. That's even harder. But at Bitcredit Protocol we believe it can be done. Why? Because it must be done. If you like near impossible tasks, join us. We will celebrate every single win.

Bitcredit Protocol is a free, open source community project. We are Bitcoin maximalists in the original sense and follow Austrian Economics principles. Anybody was and is welcome to join and contribute.

The 10 Rules of Bitcredit Protocol (which Wildcat mints must adhere to): 1. Proof-of-work: Only commercial e-bills for goods already produced, invoiced to other businesses, qualify for minting of Bitcoin credits (MoE). 2. Verifiable terms: E-bill maturity must match expected reflux from buyers, and no more than 12 months. 3. Verifiable prices: Invoice prices must be plausible. 4. Bitcoin rails: Payment is in Bitcoin, irrespective of e-bill denomination. 5. Verifiable redemption: Upon maturity, e-bills must be verifiably paid via Bitcoin mainchain or Lightning Network. 6. Non-custodial: Not your keys? Not your coins, nor your credits. 7. Privacy by default: Fungibility of credits through bearer instruments and censorship resistance. 8. Decentralisation: Wildcat mints in the Bitcredit Network compete independently under peer supervision. 9. Game theory: A clowder majority can eliminate rabid wildcats through punishment transactions. 10. Future money: No contractual convertibility before maturity.

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Bitcredit Protocol will stabilise Bitcoin. It will be a real "stable" coin, not a fiat fake "stablecoin". Without an issuer, without a central bank, without volatility, without debasement, without censorship, without interest. Just free market mechanism.

Sorry everyone, we having some technical problem with Twitter Spaces. They keep breaking up. We will announce a better format for our next call, likely on Jitsi.

Save the date for the upcoming Bitcredit Space. Learn: — How Bitcoin can finance a real-world steel trade through Bitcredit Protocol. — How an peer-to-peer e-bill turns into e-cash. Instant liquidity, zero bureaucracy. – Q&A. – How to join the community and bring Bitcoin into the real economy. https://x.com/i/spaces/1dRKZaebDDXxB/peek

Bitcredit Protocol continues to tighten eBill towards Beta and progressing the eCash stacks towards MVP Alpha. – Finished email-based verification of electronic signatures for eBill. – Progressed self-sovereign eBill counterparty contact sharing. – Advanced the mobile wallet payment flow and transaction list. – Deployed a Wildcat instance for upcoming dev and Alpha testing. - PWA decided insufficient for Wallet due to Apple walled garden blocking NFC and biometrics. – Now preparing native app store setup.

Bitcredit gave a well-received talk yesterday for the "Future Forward" innovation festival at #WeXelerate in Vienna. Topic: The unpredictable and opaque traditional banking system and the promise of #Bitcoin. People think money in a bank account is “theirs”. But it is not. A bank can freeze "your" money at any time, delay transfers, debank you, or block "your" funds, just like that, without giving any reason, let alone a valid one. #Bitcoin fixes this.

Bitcoin’s volatility is due to the fact that it is not yet used in global trade. Once it becomes part of the real economy, Bitcoin will be the ultimate stablecoin. The way to achieve this is by enabling Bitcoin based supply chain finance. Join Bitcredit at Bitcoin MENA 2025 to learn more.

Please read carefully! The Bitcredit Protocol is often confused with companies that offer Bitcoin-collateralised fiat loans. They could not be more different. Bitcoin-Collateralised Loans These are fiat loans issued by state-regulated lenders. Nothing about them escapes the fiat system. - You hand over your Bitcoin as collateral, but the loan you receive is still fiat. - The loans primarily serve wealthy Bitcoiners’ consumption, not production. - High interest rates slowly eat away at your Bitcoin. - If markets turn, your Bitcoin can be taken from you. - In reality, it’s no longer truly your Bitcoin. - You remain fully inside the foul fiat framework. Nothing changes. Bitcredit Protocol Bitcredit is not a company. It is a software protocol for real economic credit—without banks, without lenders, without fiat. - Credit is simply deferred payment between free companies, not issued by a provider. - Businesses gain a powerful new liquidity mechanism, fully inside the Bitcoin economy. - Every credit is backed by real goods (real proof-of-work) and secured by the payer’s actual wealth under global bill of exchange law. - Credit is denominated and redeemable in Bitcoin. No more fiat, ever. - Credit is used 100% for production, no exceptions, which means the Bitcoin economy grows faster than fiat economies. - Discount rates are set by the free market, not a centralised lender. - Financing becomes the lowest-cost option available. - The system is either self-custodial (counterparty risk) or non-custodial (issuer risk), NEVER custodial. - These mechanics stabilise Bitcoin and push volatility below fiat levels. Everything changes.

Join Wednesday’s Community Space on X. Wednesday, November 5th, 16:00 UTC. 11am NY, 5pm Vienna. Agenda: • Satus of Bitcredit development • Insights from pilot customers • Open Q&A session Ask your questions. MC: @Max Speakers: @Hu₿ertus the Austrian, @MTbitcr, Karan https://twitter.com/i/spaces/1BdGYZgdVAyJX

Here is a live example of how a buyer and seller finance a trade with an Electronic Bill of Exchange on the free, open-source Bitcredit Protocol. They create an identity, issue an e-bill, and at maturity settle it on Bitcoin mainchain. The equivalent process can take weeks or even months with banks on fiat money. Try it out on Bitcoin Testnet:

eBill

Bitcoin Credit Money Supply for the Real Economy

Week 44 Update: Core team returned (exhausted) from a very busy, very successful participation at @LuganoPlanB. – Sneak mainnet version for internal users to test with real satoshis. – E-bill backend migrated protocol data from JSON to binary format. – Wildcat mint advanced with intermittent exchange between offline and online cases. – New component library used across eBill and eCash frontends. – Strong user feedback from early testers. – Talks to exchanges for guarantee asset listings. – Progressing on mint business structures for trade finance users. Week 44 Update: Core team returned from a busy, successful participation at @LuganoPlanB . – Sneak mainnet version for internal users to test with real satoshis. – E-bill backend migrated protocol data from JSON to binary format. – Wildcat mint advanced with intermittent exchange between offline and online cases. – New component library used across eBill and eCash frontends. – Strong user feedback from early testers. – Talks to exchanges for guarantee asset listings. – Progressing on mint business structures for trade finance users

This week Bitcredit joined Global Trade Conference (GTR) Türkiye in Istanbul: Turkish corporates, exporters, importers, manufacurers, traditional banks, and fintechs gathered to discuss current challenges in domestic and international trade finance due the politically captured fiat currency system, such as de-banking, credit risk-off and compliance bloat. Our keynote session explored: - Bitcoin as permissionless, unstoppable, and non-political settlement layer - Bitcredit as an enabler for direct, peer-to-peer export and trade credit Turkish banks showed high interest in electronic bills of exchange on Bitcoin rails. This free open source protocol will give rise to a new global form of lightweight 'non-banking", neutral and without a need for central banks and their inflationary fiat currencies.

Week 40 Update: Bitcredit Protocol is getting ready for @LuganoPlanB pushing for eBills v0.5 Alpha. We will showcase Bitcoin wholesale money for businesses at our booth in Villa Ciani 2nd Floor: – eBills is nearing function complete. This week added email notifications, state chain debug for individual and company ids, and finalised the eBill recourse flow. – All community members are invited to play with v0.4.9 on Testnet 3 from next week. – Wildcat Mints and Clowder Network prototypes are also making strides. We hope to give a glimpse of what's to come during Lugano. @

Today, Bitcredit is orange-pilling international trading companies in Istanbul, Turkey. 🇹🇷 Demonstrating unstoppable supply chain finance on #Bitcoin. Trade will find a way.