ICO date: 01.02.2018 - 31.03.2018

Creditcoin is an ICO of the Flatlay marketplace, a blockchain based network that connects content creators with brands to interact without borders, restrictions and regulations.

This company’s mission is to democratize ecommerce and to remove the restrictions that inhibit global collaboration.

How it works:

The platform that launches Creditcoin, Flatlay, is a global marketplace that rewards content collaboration by cryptocurrency. It removes the middlemen to allow content creators and brands to cooperate freely, reaching new creative and marketing heights.

Brands and publishers can use Flatlay Connect to hire content creators for promotions. Flatlay Interactive Cards that feature collections of shoppable items are be shared across the web and social networks, especially with users incentivized to do so by awarding CCOIN for it. The creator of an Interactive Card gets a cut for purchases made through it.

Flatlay marketplace is already launched, and now has more than 10,000 content creators and hundreds of brands working together to promote their products. Creditcoin will complement this platform as their primary payment method. As more viral content is spread across the web and more companies start accepting it, it has the potential to become one of the popular cryptocurrencies.

Another thing that can influence its popularity if the Flatlay debit card, linked to CCOIN wallet. The card contains $0 at all times. As the purchase is made, the transaction is transferred to Flatlay servers in real time and an according amount of CCOIN is sold to buy the exact amount of the fiat currency that is needed to make the purchase.


The idea of a decentralized marketplace, where content creators are rewarded according to a smart contract is using the best of the modern technology to create a great innovation. Flatlay credit card that can be used to convert CCOIN in USD on the moment of payment is something new as well. In fact, as unique as to have a patent pending.

Innovation score: High

Token value:

CCOIN is the in-platform payment method and currency. It is in CCOIN that users, content creators and brands can pay for products, promotions and collaborations. It is also the payment method for incentivization and compensation.

The company estimates that CCOIN can eventually become one of mainstream cryptocurrencies, given enough people are engaged in Flatlay platform.

Since the success of the platform is highly probable, CCOIN is expected to show a significant rise in price as the user base grows.

Token value score: Medium

White paper:

Creditcoin’s white paper is a high quality one. It explains the main concepts of the platform in great detail, but in a simple language. It also talks about market perspectives and the company’s solution to them, as well as presents a great business plan.

White paper score: High


The roadmap is not really detailed. Perhaps, it is due to the fact that it is the roadmap to the ICO campaign, not the Flatlay platform itself.

The company was incorporated in the fourth quarter of 2016 and by the second quarter of 2017 it had a community of ten thousand content creators. The Flatlay platform is functioning and growing, even though not all features are fully implemented.

In the second quarter of 2018 the team plans to launch Flatlay Connect and apps, and the launch of CCOIN network will happen before the year ends.

Roadmap score: Medium

Business model:

The company’s business model is that of a social marketplace. It connects content creators with brands, enabling more effective targeting and influencer marketing. Their marketing plan includes user generated content spread across the web by incentivized users.

Their revenue model is freemium PaaS. They charge fees for enterprise licensing and have a 20% cut on content creator activations.

Flatlay sells great marketing techniques and uses great marketing techniques to promote their services. This can’t result in anything but success.

Business model score: High


From what is presented on the official site, the team looks great. The CEO has 12 years of experience in media and business development and has worked at Omnicom, AddThis, USA Today and 12oz Denim. The CTO of the company has previosly held a position in Microsoft Europe.

Flatlay has people who worked for Deutsche Bank, Netflix, Aol and Deloitte Digital among the advisory board. Stradling & Associates are their legal advisors.

Team score: High


In the competition analysis, the white paper names Curalate, Olapic, Kit and various influencer marketing platforms as their potential competitors or partners.

The competitive advantages Flatlay lists is their content growing at 300% rate, and their partnership with Incomm that grants them access to more than 500,000 retail locations to market with. Their growing content creators and user base and relationships with more that 3,000 brands are an advantage too.

The market that Flatlay wants to conquer is certainly not an easy one, but this company has what it takes to face this kind of competition.

Competitors score: Medium

Overall thoughts:

Fueling the economy of a growing marketing platform that implements the best practices and stays at the forefront of technology, Creditcoin has all the chances for rising in price significantly. Especially so, taking into consideration the ability to use it to pay with a credit card.

This is a smart choice for an investment.

Website: Site
Whitepaper: Whitepaper

Overall Score


4.3 / 5

Risk score




ICO start date: 01.02.2018
ICO end date: 31.03.2018
Hard cap: 20,000,000 USD


Ticker: CCOIN
Token price in USD: 0.52


ICO Platform: No
Registration Country: Internationally trademarked