Introduction

Credible is the first decentralized AI credit system that generates credit scores using on-chain reputation, financial suite engagement, and ZK-proof verification of legacy credit data. It creates an ecosystem where fintechs and licensed financial institutions leverage Credible-generated credit scores to provide no-collateral credit, including cash loans, credit cards, and mortgages, particularly for users in emerging markets.

Market Opportunity

Traditional credit models exclude millions due to outdated scoring methods that ignore on-chain financial activity. Crypto holders lack access to financial services without liquidating assets, while Web3 remote workers and creators struggle to establish banking credibility. Licensed lenders lack visibility into their financial behavior, creating a massive credit blind spot.

Bridging Web3 and Traditional Credit Infrastructure

Credible eliminates these barriers by offering:

• On-Chain Credit Scoring: Tracks on-chain activity from whitelisted protocols and assets to impact credit ratings. Users can link Web3 wallets like Phantom, Solflare, and Metamask to share their activity and improve scores.
• Financial Services Suite: Provides crypto cards, money transfers, and staked asset-backed cash loans, allowing users to establish transaction history and build credit reputations.
• Ecosystem of Licensed Lenders and Fintech Partners: Recognizes Credible scores for credit issuance.
• No-Collateral Credit Access: Users with positive Credible scores can access no-collateral credit from partner licensed lenders and fintechs through Credible’s consumer app or directly via partners' platforms. On-time repayments further enhance credit scores.