The Reditus platform utilizes blockchain technology to tokenize accounts receivable, enabling an end-to-end, blockchain-based platform that allows network participants to acquire, hold, and trade accounts receivable in a secure, simple, cost-effective, transparent, and accessible manner. This makes it possible to make smaller-scale investments and creates opportunities for mass-market participation. Using smart contracts to securely and conveniently record micro-cash loans and credit transactions provides creditors with grounds for the easy and effective recovery of personal loans or accounts receivable.