As a shopper, you:
You cannot create trade credit.
You simply buy and redeem value.
It works like a gift certificate system — backed by active business trade.
When businesses trade with each other, a small fee is generated in TradeTokens — not cash.
Those TradeTokens accumulate in a shared pledge pool.
Everyday people can buy those tokens at a discount.
When merchants redeem them, they earn real cash commissions.