OXA Stable Credit Tokens are a type of digital asset that are based on the ERC 20 token standard. This standard is a set of rules and guidelines for creating fungible tokens on the Ethereum blockchain. Fungible tokens are interchangeable and have the same value, making them ideal for use as cryptocurrencies or utility tokens. The ERC 20 standard provides a framework for developers to create tokens with a standardized set of functions and features, ensuring that they can be easily integrated into various applications and platforms. By being built on this standard, OXA Tokens benefit from the security and interoperability of the Ethereum blockchain and can be used in a wide range of use cases, such as payments, trading, and access to DeFi.