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I am the founder of Credo360.com – an open reputation platform that aims to provide safety, security, and privacy for P2P transactions. AMA!
Excited to do an AMA here – and looking forward to all the questions. My name is Irakliy Khaburzaniya and I am the CEO of Credo360.
This AMA is a way of giving back to the /entrepreneur community, from which we have learned a tremendous deal. We have gone from being wantrepreneurs to entrepreneurs, and hope to inspire you to do the same.
The concept for the business grew from the pain we have all experienced when dealing with strangers, particular when it came time to financial transactions. Many of us have been ripped off, or scammed in some way, and wished that there was a way to check if the person that we’re dealing with was reputable. We set out to do just that with Credo360.
Problem: No basis for trust when dealing with strangers. Solution: Open Reputation (and now transaction) platform.
The solution: Credo360 (or simply Credo) is an open reputation and transaction platform. Using Credo, you can: check if someone you need to deal with is trustworthy, conduct transactions (buy/sell/trade) with them, and then rate and review your experience with them. The idea is very similar to reputation systems on sites such as eBay or Airbnb – but Credo reputation is not tied to a marketplace. Instead, it belongs to you as a person, and you can take it with you anywhere you like.
This score sums up a person’s reputation and trustworthiness in a single number (measured, unsurprisingly, on a scale from 0 to 360). There are bunch of things that go into a calculation of this score, and we worked very hard to try to make it difficult to game. One of the most important factors in this score are the ratings and reviews you get from people you deal with on Credo.
We have also recently launched P2P payments– so, now people can pay each other for goods and services without leaving Credo. Right now this is available only to people with U.S. bank accounts, but we are working on adding other payment methods (e.g. bitcoin, PayPal).
A little background on how we got here and lessons learned: • September 2015 – Core of the company founded.
We used clerky.com to organize as a Delaware C Corporation. It was relatively straightforward to do with their templates.
We were accepted into the Microsoft BizSpark program. https://bizspark.microsoft.com/ . It was relatively easy to apply, especially since we have our first mock-ups, and had a formal C corporation. Would highly recommend applying here if you’re planning to build an Azure-based application.
• May 2016
We self-financed and hired a couple of Ukraine-based front-end developers to help with the front-end design and implementation.
We launched our private beta to family and friends.
• March 2017
We launched our Public beta.
Some lessons learned: We didn’t get much fanfare right away at launch. It would’ve been smarter for us to build out a large amount of interest from when we first started development back in September of 2015. We were naïve and thought that we should keep our startup under wraps, so that our competitors wouldn’t steal our features. In hindsight this was a mistake.
• August 2017
We integrated payments using Dwalla. It’s actually a lot more challenging to implement p2p payments then one would imagine.
• Going forward
We plan to integrate bitcoin and other crypto currency payments.
We are putting the final touches on our iOS and Android apps.
We would love to work with someone to submit our startup to ProductHunt. If you’re an influencer on there – please reach out to us!
If you’re into IT technology, here is a little bit about technology we use:
Our backend runs in Azure cloud. We chose Azure primarily because of the BizSpark program that gives us enough credits to pretty much cover out infrastructure expenses. Within Azure we use a bunch of services from storage, to databases, to app services, to queues, to CDN etc. The backend itself is written in TypeScript and runs on Node.js
Our web frontend is a single-page application written in React.js. It communicates with the backend via a RESTful API and websockets (socket.io)
We are also working on mobile apps for iOS and Android, and these rely on the same backend API as the web frontend.
Lastly we use a bunch of 3rd-party services for various things: SendGrid (to send email), Twillio (to send SMS), Blitline (for image processing), Blockscore (for identity verification), Dwolla (for P2P payments) and others
Either way we would love to hear your feedback about our site, the overall concept, and any other questions that we can answer.
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