The Data Economy Belongs to the People Who Create It
Every card transaction leaves a record behind. In the data economy, that record is an asset, and CredX is built so its value reaches the business that earned the sale and the customer who made it.
You belong in the system you help build.
What the data economy is, and who it pays today.
The data economy is the market for information created by everyday transactions. Every purchase records who bought, what they spent, and when they returned. That record has value. Today, it accrues to a competing credit facility rather than to the business that earned the sale. CredX is built to give that business access to it.
Your payment processor runs the transaction, and that part works. What happens after is where the value sits. The purchase record becomes an asset held by a competing credit facility, one with no relationship to your customer and no stake in whether they come back. CredX is structured so that the business that built the relationship gets access to it.
Mutual Ownership Acquisition Technology, in plain terms.
Mutual Ownership Acquisition Technology (MoaT) is the principle that all three parties to a transaction hold a stake in what it produces.
MoaT is how the upside is shared among them instead of collected by a party that did none of the three.
earns the relationship.
creates the value.
funds the credit.
All three hold a stake in what the transaction produces.
What the movement is for.
The mission is narrow and it does not change: build the infrastructure that lets value stay with the businesses, customers, and communities who generate it. Any business with recurring customers and card volume has a place in it.
Who holds what in a CredX partnership.
the credit, the funding, and the risk, together with community lender partners.
the customer, the brand, and the relationship, and the credit line appears under your name
of the lending, because it sits with CredX and its lending partners rather than with your business.
Data is de-identified, consent-driven, and held to Canadian privacy law.
Be part of the movement.
The businesses joining CredX have one thing in common: they earned their customers and intend to keep what those relationships produce.