You arent going to get any form of credit service that is untraceable - would you give credit to someone if you werent going to be able to trace them to get your money back? Most countries have anti-money laundering laws which makes untracable illegal though naturally in some countries this may not exist or may not be enforced. The question then becomes one of do you want to send $5,000 to someone in Nigeria for them to then launder it for you and pay on the $4,750 to your intended recipient? The natural question is why do you want to have untraceable payments?