Populous is a platform that enables the issuance of peer-to-peer invoices. Companies which need credit issue a contract linked to an investment that is bought by other investors. These contracts are automatically settled with previously custom defined terms. The platform combines a real-time financial database of data points about the companies with traditional Altman Z-scores and other proprietary formulas to create a reliable credit rating system and risk analysis tools.The invoices are sued in stablecoins (fixed in fiat currencies) called Pokens. PPT tokens can be used to purchase invoices that, when paid, return Pokens to the buyer. PPTs are ERC-20 tokens and their contracts are recorded onto the Ethereum blockchain.