Velo is a blockchain-based financial protocol that provides enterprises with an open credit network by implementing credit stabilization and stablecoin issuance on a distributed ledger. Unlike existing solutions, the stable credit supported by the VELO protocol can be linked to any customized unit value, allowing businesses to leverage their existing infrastructure, brand and user base. The protocol guarantees the stability of digital credit through a digital reserve System (DRS) based on cryptocurrency pledge. As a result, VELO protocol is used in many scenarios, such as cross-border remittances, loans, payments, membership points programs, and its combined market size exceeds one trillion DOLLARS.