Terra has designed Credit (CREDIT) to offer free and fast blockchain based payments. Credit employs Proof of Stake which allows any user to become a block producer. Block producers support the network and get rewarded with new coins for doing so, this function replaces traditional mining which is expensive and complicated.
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"Please note that in order to withdraw or transfer your coins from their web based app to any wallet, you need to be a member of their main Telegram group.