The fundamental objective of distributed banking is geared at dismantling cornered businesses overwhelmed by the mundane financial institutions through reasonable monetary procedures which incorporate the arrival of profit to every one of the clients and suppliers required to empower each member who has in a single manner or the other added to the development of the ecosystem get their reward, along these lines accomplishing collective profitability. What’s more, distribution banking will change collaborative system used in everyday financial administrations and make another shared framework combined with introduction of a communication cooperation model across all divisions, locales, records as well as subjects. In light of this, the establishment will set up a principle blockchain which is referred to as Distributed Credit Chain (DCC), to convey business contracts, make business models, execute settlement and liquidation services, achieve an accord concession to the books, and many more for various scopes of distributed financial business. The ecosystem will begin activity by conducting credit businesses and recreating business platforms of popular credit through innovative distributed technology and decentralized reasoning. Moreover, DCC will bring loads of innovative changes to the credit field.DCC is poised to revolutionize several sectors like business, regulation and distribution. It will completely transform the conventional banking’s debt, intermediary business structure plus asset through the replacement of asset business with credit enlistment. For regulation, regulators have the chance to exploit the underlying assets and get their fair share because of the permanent storage of records which cannot be tampered with. For distribution, decentralization will break up original excessive premiums which arise from information asymmetry several middlemen involved in transactions, such premiums are returned to ecosystem participants. This ensures that value of the ecosystem are redistributed fairly among the participants.