XCredit provides a path for users to build credit history and a credit score while using our app for day-to-day monetary transactions. XCredit is a peer-to-peer payments platform that allows users to build credit by paying their friends and family back on time. XCredit's primary target is millions of college students who are familiar with peer-to-peer payment platforms, yet these payments do not go towards building a line of credit. We are trying to help decrease credit invisibility.