Turn online activityincomeassetsactivityidentity into proof that unlocks finance.
Cr3dentials sits between finance and the platforms where people earn, transact, and hold assets, producing verified credentials that make underwriting and compliance possible.
Lenders & fintechs
Income sources
Fintech / Digital lender
originates
Private credit protocol
underwrites
Traditional lender
finances
Cr3dentialsVerified
Lenders & fintechs
Fintech / Digital lender
originates
Private credit protocol
underwrites
Traditional lender
finances
Cr3dentialsVerifiedIncome sources
In production with
Teams building the next generation of finance already ship with Cr3dentials.
Web3 commerce infrastructure
Onchain payments
Gig cash advances
How it works
Four steps from the moment a user connects their account to the moment credit reaches their wallet.
Borrower connects income source
A Shopify merchant, Uber driver or YouTuber links their account via OAuth. We never see or store user credentials.
Cr3dentials verifies and signs
We verify revenue, activity, and assets, structure them into a credential, and share the data with the lender.
Lender underwrites instantly
A fintech, credit protocol, or traditional lender consumes the proof via API or smart contract. Underwriting decisions drop from weeks to minutes.
Credit reaches the borrower
Loan, credit line, or capital advance lands in the borrower's account.
Underwrite borrowers banks never can.
Verified income from 50M+ platform workers, merchants, and creators — delivered via API, webhook, or on-chain attestation.
Originate against verified income.
Pull signed income, balances, and platform activity directly from the source — Shopify, Stripe, Uber, YouTube, and 30+ others.
Drop integration time to days.
One API, one webhook, one schema. Define the predicate you care about; receive a cryptographic answer — never raw data.
Underwrite continuously, not once.
Recurring re-verification on refresh tokens turns underwriting from a snapshot into a live signal across the life of the loan.
Talk to us
Ready to unlock a new credit frontier?
Get a sample credential, a sandbox API key, and 30 minutes with an integration engineer.