Turn online identityidentityincomedataactivity into smarter lending.
Verify identity, income, and assets in real time, straight from the source.
Lenders & fintechs
Income sources
Neobank
Digital lender
Bank
Cr3dentialsVerified
Lenders & fintechs
Neobank
Digital lender
Bank
Cr3dentialsVerifiedIncome sources
In production with
Teams already building with Cr3dentials.
Business financing
Gig cash advances
How it works
Four steps, from the moment a borrower connects their account to the moment you make a decision.
Your borrower connects their account
Inside your app, the borrower securely links platforms where they earn. It takes seconds, and their login never touches us or you.
We verify the data at the source
Cr3dentials confirms their real identity, income, and activity directly from the platform, then packages it into a clear, verified report.
You get a verification report
Verified data reports arrive through one API or webhook and is ready to drop straight into your underwriting.
You approve with confidence
Make the call in minutes instead of days, backed by data you can trust.
Approve the borrowers banks turn away.
Millions of people earn real income online as merchants, drivers, freelancers, and creators. They just can't prove it with a payslip. Cr3dentials gives you that proof.
Lend against income banks can't see.
Verify real earnings from Shopify, Stripe, Uber, YouTube and 30+ platforms, not just traditional payslips.
Go live in days, not months.
One integration covers every platform. Ask for exactly the data you need, and get a clean, verified answer back.
Re-check income any time.
Verify a borrower again at any point in the life of the loan, so your decisions stay current instead of a one-time snapshot.
Talk to us
See it work with your own data.
Get a sample verification, a sandbox key, and 30 minutes with our team.