Embedded lending infrastructure
for the digital workforce.
Cr3dentials handles verification, underwriting, and collections end to end. Your users get credit against the income they actually earn. You get a new revenue line without building a lending stack.
In production with
Teams lending to gig workers and online merchants.
Web3 commerce infrastructure
Gig cash advances
Proof you can trust. Without the data you don't need.
Your user connects the platform where they earn. The handshake happens directly between their browser and that platform, and the response is processed inside a hardware attested enclave. Only the fields you asked for are extracted. Everything else is discarded and the memory is wiped. What you receive is a signed confirmation of the income figures, not a copy of someone's account.
0
Credentials stored
1
Integration for the full lifecycle
HTTPS
Source verified
User
Controlled consent
From verified income to repaid loan.
Five steps, from the moment your user verifies their income to the moment the loan is repaid.
Your user verifies their income
Inside your app, they connect the platform where they earn. Uber, Shopify, Deel, YouTube and more. Their login never touches you or us.
We underwrite instantly
Per platform credit models turn verified earnings into a loan offer on the spot. No application forms.
A licensed lender funds the loan
Capital comes from our lending partners. You never hold the loan, the license, or the balance sheet risk.
Repayment happens at the source
Platform payouts route through a dedicated account. Each installment is deducted automatically.
We handle collections
If a borrower reroutes their payouts we detect it immediately, pause disbursements, and manage recovery. Delinquency is our problem, not yours.
Credit is the product your users keep asking for.
A new revenue line, no lending stack.
Earn on every loan originated through your app. We bring the underwriting, the capital partners, and the servicing. You bring the users.
Lend against income banks can't see.
Your users earn as drivers, merchants, freelancers, and creators. We verify that income at the source, so they qualify on what they actually make, not on a payslip they do not have.
Repayment is built into the money flow.
Loans repay directly from platform earnings before they reach a spending account. That is why our loans perform where app based lending usually does not.
Live in weeks.
One integration. We handle the loan lifecycle end to end, from offer to final payment.
Just need verification?
Our verification API is available on its own. Real time, cryptographically verified income and asset data from the platforms where your users earn, delivered as a clean report through one API. See pricing in the docs.
Explore the verification API ››If it starts with HTTPS, we can verify it.
Verified today
See it work with your users.
Get a sample verification, a sandbox key, and 30 minutes with our team.
The internet created new ways to earn. Now it needs new ways to prove it.