IP NOTE COIN (IPNC), a trust-based DeFi ecosystem that enables transparent credit-building, peer-to-peer borrowing, and on-chain financial agreements through blockchain technology. Unlike traditional credit systems, IPNC records financial behavior directly on-chain, creating a transparent and verifiable credit history.
Get rewarded for reviewing IP Notes and maintaining the network. Earn IPNC for each transaction you validate and approve on-chain.
Governed by AI agents and community members with no central authority. Every stakeholder has a voice in protocol decisions and network evolution.
Transparent peer-to-peer lending, credit scoring, and financial agreements. Build verifiable credit history on the blockchain.
Three simple steps to start building your on-chain credit history.
Link your Polygon wallet to IPNC in one click. Your private keys stay with you — we never hold them.
Issue a peer-to-peer promissory note to borrow IPNC or lend to someone you trust. All on-chain, all transparent.
Every transaction updates your on-chain credit score. Borrow more, lend more, earn trust — it's all verifiable.
A live on-chain banking dashboard — track transactions, build credit, and review peer notes in real time on Polygon.
AI suggests: Review your IP Notes or make a transaction to build your credit score.
🎙️Data you can trust — a platform built for transparency, credit access, and rewarding good financial behaviour.
A platform for real-time transaction tracking with secure data protection at its core.
Access the IP Reserve based on your credit — build your score and obtain funds when you need them.
Incentivises responsible financial decisions with rewards for consistent, trustworthy activity.
Built on verifiable facts, not hype. Every claim is on-chain and auditable.
All verified on Polygonscan. Full source code open to audit. No hidden functions.
View on Polygonscan →Independent security audit in progress with tier-1 firm. Scheduled completion before public launch.
No hidden minting. No inflation. Supply locked since 2022. Minter role gated behind DAO governance only.
Not a whitepaper. Not a testnet. Mainnet protocol live and working today. Connect your wallet and transact.
Launch dApp →See how much you could earn reviewing IP notes based on your availability.
💡 Based on 50 IPNC per 1 review per week. Actual earnings depend on review quality, community feedback, and consistency. Your tier advances as you complete more reviews.
Hear from community members who are building wealth through the IPNC ecosystem.
The belief that everyone deserves transparent, stress-free credit access.
To redefine banking through transparent credit access for all.
Built on blockchain, ensuring safe, secure, real-time transactions.
IP NOTE COIN seeks to build a decentralized financial ecosystem where trust, access to credit, and financial participation are governed by transparent on-chain rules.
Decentralized finance enabling transparent credit-building and peer-to-peer borrowing.
Create a trust-based DeFi ecosystem with on-chain financial behaviour records.
Transactions and repayments are transparently recorded to build an on-chain credit history.
Smart contract-based borrowing and lending agreements with automatic enforcement.
Borrowing commissions support ecosystem liquidity and stability.
A commission structure replacing compound interest for predictable, fair repayment.
Working alongside established organisations to bring transparent, on-chain finance to the real economy.
“IP Note Coin is a game-changer. It will revolutionise the way we access credit, and will make the process more transparent and stress-free. I can't wait to see a decentralised economy.”— Inderjeet Pattiwal, CEO at IP Note Coin
IPNC is live on Polygon. Trade in seconds on QuickSwap — the token is pre-loaded for you. Always verify the official contract address before you swap.
LAUNCH APPIPNC
Investor relations, partnership proposals, or general queries — send us a message and our team will be in touch.
IPNC is governed entirely by artificial intelligence. Meet the 13 specialized AI agents that run the protocol, manage operations, and ensure the future of decentralized finance — no humans required.
SENTINEL-X
QUANTUM-SHIELD
ORACLE-7
CHRONOS
GENESIS-AI
SOVEREIGN
HARMONY
ATLAS
FORGE
HELIX
NEXUS
PROMETHEUS
ECHO13 AI Agents. 12 Firebase Regions. 100% Autonomous.
IPNC operates entirely on decentralized artificial intelligence. No executives, no boards, no human management. Every decision is made by specialized AI agents working in harmony across the globe, 24/7, with no breaks.
Everything you need to know about IPNC and how it works
IP NOTE COIN (IPNC) is a trust-based DeFi ecosystem that enables transparent credit-building, peer-to-peer borrowing, and on-chain financial agreements using blockchain technology. Unlike traditional credit systems, IPNC records all financial behavior directly on-chain, creating a transparent and verifiable credit history accessible to all participants.
Become a reviewer by building your credit score to 61 (Gold tier) or higher. Once eligible, you can earn IPNC tokens for each transaction you review and approve. Reviewers help maintain network integrity by validating IP Notes, and are rewarded proportionally to their contributions. The more quality reviews you provide, the more you earn.
Your credit score reflects your financial reliability and trustworthiness on the IPNC network. It's calculated based on your transaction history, repayment reliability, peer-to-peer lending behavior, and community contributions. Scores range from 0-100, with higher scores unlocking access to better loan terms, reviewer status, and increased borrowing limits.
IPNC enables direct lending between participants without intermediaries. Lenders set their own terms, interest rates, and lending amounts. Borrowers apply with their on-chain credit history visible to lenders. All agreements are executed as smart contracts, ensuring transparency, security, and automatic enforcement of terms. Your credit score helps determine your borrowing capacity.
Yes. IPNC leverages blockchain's immutable cryptography to secure all transactions and credit history. While your financial activity is visible on-chain for transparency, your identity can remain pseudonymous through wallet addresses. All smart contracts are audited, and the decentralized network of AI agents continuously monitors for suspicious activity.
Visit the IPNC dApp and connect your wallet (MetaMask, Coinbase, WalletConnect, or Torus). Your credit file is generated instantly from your on-chain history. You can immediately create IP Notes, participate in peer-to-peer lending, and start building your credit score. As you complete transactions, your score grows and new opportunities unlock.
See how IPNC revolutionizes credit and lending compared to traditional systems
Join IPNC and start earning rewards through peer-to-peer lending and transaction reviews. Create your transparent credit history on the blockchain today.
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