What is microcredit? In the near future we will have peer to peer loan platforms based on the blockchain system. Microcredit means microfinance that allows those who were excluded from access to credit to appear on the credit world. There are several positive aspects of these loans, but the main one is the reduction of poverty and the establishment of new business opportunities. The significant experience in this area is that of the Grameen bank founded by the Nobel Prize winner and economist Muhammad Yunus. This allowed the granting of loans to women from the poorest Bengali villages, thus allowing a virtuous circle that promoted the woman's ulo and expanded hopes for a prosperous future. And this because it marries with the system of cryptocurrencies and blockchain? Because it will allow millions of families to have a stronger local economy and free from central authorities to allow the creation of real microfinance banks in foreign currency. What do you think about it? And is it conceivable a banking development increasingly linked to blochchain technology? Appearance comments ....