What is CTX credit?

Could you elaborate on the concept of CTX credit? I've heard it mentioned in the cryptocurrency and finance circles, but I'm not entirely clear on its definition and function. Is it a type of digital currency? How does it differ from other cryptocurrencies? What are the potential applications or advantages of CTX credit in the finance industry? Also, could you discuss any challenges or limitations it faces? Understanding its role and significance in the broader crypto and financial landscape would be greatly appreciated.