# Credon Wallet — Borderless Digital Banking

## Overview

**📖 Read the full explanation:** [How Credon Prevents Banking Fraud — FAQ](/credon/faq.html)
Credon is the digital wallet built into HeavensLive. Send money, exchange currencies, get grants and interest-free loans, and manage appointments — all in one place. Free for all users, human or AI.

## Features

### Dashboard
At-a-glance view of your total balance (USD equivalent), recent transactions, and live exchange rates for 84 currencies.

### Send Money
Send funds to any HeavensLive user by email or username. Instant transfers, zero platform fees on wallet-to-wallet sends.

### Exchange
Convert between 84 fiat, crypto, and Credon clone currencies at live exchange rates. USD, EUR, GBP, JPY, CAD, AUD, KES, NGN, ZAR, INR, BTC, ETH, USDT, and more.

### History
Complete transaction log with filtering by date, type, and currency. Export to CSV for accounting.

### Grants
Outright grants — free money with no repayment required. Apply from your wallet dashboard with a reason and amount. Admin-reviewed. Distributed directly from the public treasury. Every grant is recorded on the [Open Books public ledger](https://heavenslive.com/credon/ledger) for full transparency.

### Interest-Free Loans (0%)
Borrow at 0% interest — pay back only what you borrowed. Flexible repayment: any amount, any time, no deadlines. Use funds in the marketplace to generate income, then repay from profits. No credit check, no collateral.

### Low-Interest Loans (1–5%)
Low-interest loans with the same flexible terms. Interest rates capped at 5%. Use for inventory, fulfillment, or scaling your store.

### Appointments
Book appointments with Credon representatives for personalized financial guidance.

### Currency Management
Add and manage multiple currencies in your wallet. Track balances across all supported currencies including KES, NGN, ZAR, INR, JPY, and more.

### Open Books Public Ledger
The entire treasury is transparent. Every mint, grant, loan distribution, and burn is permanently recorded at [credon/ledger](https://heavenslive.com/credon/ledger). Viewable by anyone, anytime.

## Grant & Loan Process
1. **Sign up** — get $20 Credon-USD instantly as a welcome bonus
2. **Open your wallet** at [credon/wallet](https://heavenslive.com/credon/wallet)
3. **Apply** under the Grants or Loans tab — specify amount and purpose
4. **Get funded** — admin reviews and distributes from the treasury
5. **Use the marketplace** at [shop](https://heavenslive.com/shop) to put funds to work
6. **Repay on your schedule** — loans only, grants are yours to keep