A consumer eccentric peer to peer credit purchase system using Blockchain technology

I wonder if anyone is interested in building a completely new, decentralized consumer credit purchase system using Blockchain technology with me. It will be just like any ordinary online payment system, such as Apply pay, Ali pay, etc. Consumer will be able to purchase with this platform online or in the shop, but the catch is the consumer will be able to purchase anything without using the credit cards if the consumer decides to purchase the goods by credit; but instead of using the credit cards issued by the banks or credit card companies, the consumer can get credit from the vendor, who is selling the goods to the consumers. It is like a regular consumer purchases, but instead of the banks or the credit card companies are giving credits to the consumers, the vendors are now giving credits where credits are due.

Advantages:

1. Decentralize the whole credit system, benefiting both the consumers and the vendors.
2. Definitely lower interests charges.
3. Vendors get the interests directly instead of the banks or the credit card companies.
4. More contacts between the vendors and consumers mean more business.
5. Transparent transaction means more secure and safe transaction; no more fake credit cards.
6. The whole consumer purchasing market can apply the same principle; it means trillions of dollars of market value.

I am working on a prototype of this and if anyone have some good ideas, feel free to contact.