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Credits>>>XLM>>>XRP
Basically credits are focused on the financial markets. XLM focus on the front end with better tech and XRP is just the banker's thingy. Credits has the Potential to combine best of both worlds and put it on steroids.

The team has no huge history or huge partnerships. I also had a conversation about it here

Personally It's something I'd keep an eye on and slowly ladder in. If they deliver, it can totally outdo XRP and XLM.