Coinluck is the maker of UTooMe, an on-demand credit marketplace on which users build credit line networks and transact on borrowers' demand. It offers a P2P-based payment solution and an instant loan service, both powered by such credit lines. Via constructing an on-demand marketplace for social credit and storing all the transaction using block chain protocol, Coinluck brings a new paradigm of personal financial management that is efficient, secure and fair.