Using blockchain technologies and cryptocurrency, the LINKA Team strives to provide financial services that are more convenient and secure than credit cards. By creating a new paradigm where “Spending=Expenditure” becomes “Spending=Income” we propose new solutions for financial inclusion to share the benefits of growth with users and merchants all together.The credit platform gives wallet users a credit limit based on their cryptocurrency and reputation using the Linka Credit Scoring System(LCSS), which allows them to make purchases, send remittances, and withdraw cash as if they were using a credit card.LINKA Payment Platform is available for both credit cards and cryptocurrency-based payments. It also provides real-time authorization and real-time settlement using Distributed Ledger Technology(DLT). It is an innovative payment network that replaces the current payment infrastructure such as Visa and Mastercard by eliminating the set-up / introductory costs and provides the most secure and convenient UI / UX.