XCredit is a platform that enables young people to easily build credit by using peer-to-peer payment requests from their peers, similar to Venmo or Zelle. By making credit building more convenient and accessible, XCredit aims to address the common issue of young people starting to build credit too late. The platform utilizes peer-to-peer technology to facilitate payment transactions securely and efficiently, while also helping users establish a credit score. With XCredit, users can send money to others and join the waitlist for this innovative credit-building solution.