Qredit aim is to build a payment gateway for end-users to sell/buy goods/services from merchants or from user to user, enabling confidence to both parties. Also allowing the merchant to spend Qredit coins as a reward to their customers after spending a certain amount of money on goods. Qredit aim to drive adoption of the traditional payment methods for merchants by providing them a way to receive fiat currency directly from cryptocurrency buyers, shielding the merchant from market volatility and decreasing the risk of accepting cryptocurrency. By involving physical cards and mobile apps, we will enable the possibility for non-tech users to participate easier in the world of the cryptocurrency.