A business method and a system are disclosed comprising a software/computer/firmware module that creates contract/credit certificates with verifiable and objective terms based on a trade request between two or more parties. The module of the present invention also monitors crypto-digital instrument networks, including crypto-digital financial networks, to verify performance of the expected terms and notifies a credit issuing party as to the status (complete/not complete) of the relevant contract/credit certificate. The module, by use of encryption techniques or cryptography, ensures that the credit issued is only issued once while verifying credit-certificates. The disclosed business method and system allows for credit issuing bodies to provide payment guarantees that may be claimed only upon meeting objectively and/or mathematically verifiable terms on crypto-digital instrument networks. Lastly, the invention provides a business method for using crypto-digital instrument networks to issue digital credit certificates that cannot be double-spent.
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