MicroMoney (AMM) is an Open Source Credit and Big Data Bureau. This Bureau has the ability to connect new customers to existing financial services. The MicroMoney Artificial Intelligence platform that works on smartphones will run an algorithm that checks the credit score worthiness of all customers and connects them to get their very first loan. If the customers use the platform more often, the then have the abilitiy to pay less interest while having a bigger credit rating. All credit histories and big data that are aggregated are stored on the blockchain. This way millions of new customers will have access to thousands of existing companies.