PayPie is the first credit risk assessment platform based on decentralized accounting software to improve the reliability of financing. The platform is the first enterprise-oriented auditing platform that will provide real-time insights into financial data, resulting in 100% accurate credit risk assessment. The platform uses risk assessment algorithms to provide credible financial data from enterprises and third-party applications to market participants, thereby deriving many financial businesses and building an accounting ecosystem supported by the entire blockchain. PPP tokens have utility and are used to access the platform and pay for platform transactions and services.