> For the complete documentation index, see [llms.txt](https://arenaplay-os.gitbook.io/untitled/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://arenaplay-os.gitbook.io/untitled/arenaplays-solution/competitive-credit-system.md).

# Competitive credit system

With blockchain technology, it is much easier to establish credit because of its non-falsifiable and non-dual consumption characteristics, which greatly reduces credit. In addition, the existing financial system has a very important criterion called the separation of money and accounts. With blockchain, money and accounts are merged into one, and this is achieved through an interesting and sophisticated data structure, which allows ArenaPlay to close accounts in real time without the need for post-audit.


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