This document describes a live testnet, not a live financial network. Every token named below - CCT, ETHTEST, USDCTEST, REPT - is a participation/points token created for this testnet only. None of them have been issued through, or are backed by, any real currency, security, or asset, and none of them will convert into real value without a completed independent security audit and legal/regulatory review first. There is no fixed date for that, and nothing here should be read as a promise that it is coming.
OUTERNET is CreditChain's live testnet: a real proof-of-stake + reputation (PoSR) blockchain, written from scratch in Go, currently run across two independently operated nodes that gossip transactions, produce blocks, and reconcile their chains with each other over a plain HTTP peer protocol. It is not a simulation or a mockup sitting on top of a database - every balance, loan, vote, and validator record shown in the dashboard is the result of a real signed transaction that was sequenced into a real block.
SHA256(publicKey)[:20]). The node
never needs to have seen your address before to trust a request from
it.
Reputation value per wallet drives your Credit Tier
(Bronze → Silver → Gold → Diamond → Genesis), which
in turn sets your borrow limit, your interest rate, and now your REPT
progression rewards - see below.
Each entry below is a real, working page - what it's for and what it actually does on-chain.
Generates a real Ed25519 keypair client-side Address = SHA256(public key)[:20] Private key never leaves the browser
The one-time entry point. There is no username/password account behind the scenes - whoever holds the keypair in local storage on your device IS the account. Losing it means losing access to that address, exactly like a real wallet.
One claim per address Funds a fresh wallet with starter test CCT
Lets a new tester get moving without needing someone else to send them funds first.
Stake ETHTEST -> earn CCT rewards Unstake -> enters an unbonding period before funds are available
Staked ETHTEST also counts as collateral for borrowing, and is what qualifies a wallet to register as a validator once it clears the minimum stake threshold.
Requires collateral: locked CCT OR staked ETHTEST Borrow limit + interest rate scale with Credit Tier Borrowed funds land in USDCTEST - a separate ledger from CCT, so "earned" and "borrowed" balances are never mixed together
Repaying a loan on time (and funding one as a lender) both raise your reputation - the credit-scoring half of the "CreditChain" concept, in its current, collateral-gated form.
Credit Tiers: Bronze < Silver < Gold < Diamond < Genesis REPT mints once, the FIRST time you ever reach a new tier: Silver 50 - Gold 200 - Diamond 750 - Genesis 2500 Dropping a tier and climbing back does not re-mint it
REPT is the newest addition: a token whose entire supply is earned through genuine reputation progression, not staking or borrowing - a way for "your reputation gained value" to mean something concrete.
Create a proposal -> open for voting Vote weight = your current voting power
Every proposal and every vote is itself a signed, block-confirmed transaction - governance history is part of the chain, not a separate poll system bolted on top of it.
Register once staked + reputable enough Delegate block production to a specific node Track blocks produced, missed blocks, slash count, uptime
Shows whether you're the currently elected leader, and - if a validator misses a round or double-signs - the slashing penalty that gets applied, replicated identically across every node.
Paginated block list + paginated transaction list Search by block #, block hash, transaction id, or address
A real block explorer: browse recent activity a page at a time instead of an unbounded dump, or search the full chain directly for anything older than what's currently on screen.
Surface the same underlying wallet/node identity and local preferences - no separate account system, no separate database record of who you are beyond the keypair itself.
Backend: Go, no external framework, vanilla net/http
Consensus: Proof of Stake + Reputation (PoSR)
Networking: HTTP-based peer gossip (tx/block/chain sync),
shared-secret gated between known peers
Persistence: JSON snapshots to disk (blockchain.json / state.json)
Auth: Signed request envelopes (Ed25519) on every
mutating endpoint - no passwords, no sessions
Frontend: Plain HTML/CSS/JavaScript, Web Crypto API for
client-side signing
Every item below is a deliberate, currently-accepted simplification - not a hidden bug:
Any path from testnet participation tokens toward real value would require the audit above, plus separate legal and regulatory review, completed first. That work has not started and this roadmap does not promise a date for it.