Friendsvow is an automated peer-to-peer online credit APP With transactions on a blockchain and #Bitcoin for global payments. Friendsvow is decentralizing access to credit from a central authority, to make it easy for anyone to initiate credit transactions from their friends, family, colleagues and our cash flow management protects everyone from default on repayment. We have domain expertise in community Monetization and we understand the technology stacks needed to achieve Web 3 Monetization using Web2 Business Model, that is why we are able to work with Banks with our DLT to help the Banks and cooperative Bodies to monetize their community or help Banks to recover bad loans from customers that have defaulted on their loans while issuing #Friendscoin Bitcoin Credit car to these customers friendsvow is the first APP through which millions of working-class professionals will be able to access Bitcoin as default currency to set up credit lines with their family and colleagues with protection against delay or default on repayment