<p>The sector of electronic transactions based on blockchain technology is expanding quickly thanks to the reliability of the consensus mechanism, which offers a new technical path for developing the financial industry. The consensus algorithms cannot support the safety and efficiency required for electronic transaction scenarios as they are right now. We propose an enhanced DPoS algorithm based on dynamic credit (DC-DPoS) to address the aforementioned issue. It has a system for node classification, dynamic credit evaluation, and a consistency algorithm that combines voting and random selection. According to theoretical research and simulated experiments, our algorithm improves security while achieving reduced latency and greater throughput. It presents a fresh thought for enhancing the functionality of the blockchain system while also satisfying the fundamental technical criteria of electronic transactions.</p> <p>&nbsp;</p>