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CTC is a token based upon the Credit Tag Chain, a credit asset value network built on BlockChain technology with global coverage. The Credit Tag Chain develops the smart contract of credit guarantee to improve the fiduciary relationship between the loan customers and the credit institutions. By locking a certain amount of CTC via the smart contract, the loan customers obtain loans from the credit institutions. Based on the credit rating, the customer can obtain a loan amount that is multiple times of the value of the locked CTC token.