CREDITS

Very impressive team, vision and product

Unfortunately, the project may die, because it will not withstand competition with stronger competitors. The team does not yet have expertise. If you are an investor, I would put a stop to investing in this project.

Very Strong project! Pre-ICO sold out early! Love where this is going!

I score Credits highest on vision - this is something that needs to happen. It is essentially the same vision as EOS - some even say it's a copy-paste of EOS with some added bells and whistles (eg. schedule based contracts which is nice).

I can't really give them any points on product yet - we just have to take it on faith that it exists.

The team - well I'm not overly impressed, there is no one that is striking me as in the Dan Larmier experience or Vitalik Buterin genius level in the do-ers team and you'd kind of want that when creating someone amazing to replace Ethereum. But they get to stand on shoulders of giants so maybe they will leverage what those before them have done.

I would have hoped they could stack up a far more impressive group of advisers too but it seems lackluster. I know some pepole actually prefer not to see a bunch of advisors in name only who look like they are only in it for some share of ICO funds. But I look for people with connection to existing blockchain technologies or industries that might use it and are actively promoting and talking enthusiastically about it with a lot of credibility. So I have to down grade them here - it doesn't bring a lot of faith when you can't get a strong team of industry veterans behind you. But this could be a factor of the Russia based development - they may not have the opportunity to impress people outside of Russia.

Should you invest? Well at the moment they are raising a modest amount of funds - this is no EOS giga-ICO (one billion dollar). I predict if Credits starts being known as the Russian or alt-EOS just like WAVES was to ETH - then people may start investing in it because they think they will enjoy a similar pop - and the initial market cap will be pretty low so there is a lot of upside as public versions of code launch. The full release is timed to coincide with EOS - June 2018. Interesting.

But ultimately EOS will have the advantage that it is fully open source with no patented consensus algorithm (not sure why they need to patent that) and there will be no $1B fund to bootstrap app development.

Team is extremely active and professional. From the management to developers, CREDITS team have been showing a lot of hard work.
Great vision. CREDITS blockchain have potential to escalate.
CREDITS technology is not fully tested or developed. The blockchain used may have some trade off regarding security.

- Team has strong technical background, but there is very little information about time-commitment of members and past projects.

- Project aims to be international, however the whole team is majorly Russian-speaking, This might be a problem, unless team wants to target only Russian market.

- Project aims to solve serious market problem and indeed, this solution is demanded on the market. However, there are several other large projects that aim to solve the same problem for a long time. High competition and untested business model works against CREDITS project.

- Weak/incomplete road map. Project "CREDITS" isn't very specific and doesn't provide any details about the future plans.

- Product isn't working yet. Alpha version is about to be released and hasn't been publicly tested

- Since there is no working product, CREDITS platform doesn't have active user/customer base

- There are no legal consultants among partners or advisors.

Summary: This project has potential as it aims to solve important blockchain-market problem, however large competition, lack of international influence and low project transparency might negatively influence on the outcome of "CREDITS".

I've been following Credits on and off since their ICO. I actually invested in it and got out with some profit but still kept tabs on them.

Their team might not be very conventional with big names, in normal cases, I would have graded a 3 for the team because appearances matter a lot in crypto and the audio/video communications of Credits left a lot to be desired.
With that said, they're well organized, hardworking and present in lots of places, both online and offline. And that last point matters a lot. So many projects out there with PhDs who don't communicate, or from whom you don't feel this drive.

I put 5 for the vision because the idea of having a high performance blockchain is the base layer we need for adoption, plain and simple.

I put 4 for the product. The Credits team is announcing great figures of 50k+ txns per second, a time to process txn from 0.1 second and fees from $0.001.

They have convinced a huge number of small companies to partner with them, another sign of their hard work. What's left to see is if they can truly deliver on the figures above and close some bigger names as clients/partners.

+ scalability and transaction speed are important requirements for various practical blockchain use cases beside of payment
+ precise roadmap and so far good progress with the project
+ very active team with a high number of existing partnerships
- lack of activities to ensure market awareness of this project