Cr3dentials Litepaper

Cr3dentials improves verification processes by providing lenders and financial institutions with instant, cryptographically secure proof of income and work activity for the creator economy, freelancers, and gig workers. Our platform eliminates the hassle of collecting and manually verifying multiple financial documents while significantly reducing fraud risk and speeding up approval timelines.

Problem Statement

Millions of creators, gig workers, and freelancers struggle to access credit because they can't easily prove their income or work history. Traditional financial verification is broken and data access is fragmented. Reliable financial data is often siloed within platforms, and only accessible through APIs—if those APIs exist. Many platforms don’t offer APIs, and those that do often impose restrictions, creating barriers for verification and slowing down approvals. As a result, institutions waste time reviewing PDFs and screenshots that are easily forged, leading to high fraud risk and long wait times. This affects banks, lending platforms, government programs, and rental applications alike.

Key challenges:

• Manual document review is slow and expensive

• Financial documents are easily faked

• Reliable data is often gated behind unavailable or restrictive APIs

• Delays cause lost revenue and poor user experience

• Sensitive data creates compliance and security concerns

Solution

Cr3dentials provides instant, private, and verifiable income and work history proofs for people that earn online.

• Instant: Results in under 30 seconds

• Private: Only required data is shared using zero knowledge

• Verifiable: Cryptographically secured, sourced directly from online accounts

How It Works

1. Admins (e.g., lenders) set verification requirements

2. Applicants connect online accounts (e.g., YouTube, Upwork, GitHub)

3. Cr3dentials verifies data using zero-knowledge proofs (ZKPs)

4. Verifiers see only confirmation that requirements are met—nothing more

   
   

Benefits

For Admins:

• Faster application processing

• Higher confidence in verification results

• Reduced paperwork and administrative burden

• Compliant with privacy regulations

• Accessible from any HTTPs platform

For Applicants:

• No need to share sensitive financial statements

• Control over personal financial data

• Quick and convenient process

Technology

Cr3dentials uses cryptographic technology to ensure data is accurate, secure, and tamper-proof. The platform captures data directly from TLS-encrypted sessions between users and trusted websites, allowing it to verify authenticity at the source without requiring third-party APIs. Zero-knowledge proofs (ZKPs) are used to preserve privacy, revealing only the required verification outcome while keeping all sensitive data private.

zkTLS is the core protocol enabling this. When users log into a supported platform (like a bank or social platform), Cr3dentials uses captures relevant information directly from the encrypted session. This data is then converted into cryptographic proofs that verify income or work activity, without exposing raw data to anyone, including Cr3dentials.

Examples:

• Proof of Income: When a user logs into their banking portal (e.g., Chase or Bank of America), Cr3dentials verifies the transmitted balance and transactions through TLS. This helps verifiers confirm net income (post-tax), which provides a clearer view of available funds.

• Proof of Work Activity: When a user logs into platforms like Upwork, GitHub, or ADP, Cr3dentials can verify job status, earnings, work history, and activity levels removing the need for letters, pay stubs, or unreliable screenshots.

Fraud Prevention Through Blockchain

Cr3dentials uses the Ethereum Attestation Service (EAS) to give verifiers the option to anchor proofs on-chain. Some verifications can be stored on-chain for transparency and auditability, while others, especially those involving sensitive or private data, can remain off-chain. This flexible approach gives lenders full control over what is published while still ensuring cryptographic security.

• Creates a tamper-proof record of verifications

• Enables a clear chain of custody when recorded on-chain

• Allows third parties to verify authenticity where appropriate

• Reduces the risk of document forgery without compromising privacy

2025 Roadmap

Q1

• Complete proof of concept for JP Morgan Chase Bank integration

• Secure design partners

Q2-Q3

• Complete Cr3dentials infrastructure and API

• Launch pilot program with lenders in the creator economy

• Collect feedback from early adopters across different sectors

• Expand support for platforms (Youtube, Upwork, Tiktok, etc)

• Refine product based on real-world usage patterns

• Evaluate market fit across various use cases

Conclusion

Cr3dentials brings modern financial verification to the internet-native workforce. By allowing creators, freelancers, and gig workers to prove income and work activity with cryptographic trust, we open new paths to capital and financial access—without relying on traditional payroll systems or APIs.

Suggested links and good reads

X - https://x.com/cr3dentials

Website - https://cr3dentials.xyz/

zkemail - https://zk.email/

zkTLS blog - https://medium.com/zkpass/zktls-the-cornerstone-of-verifiable-internet-da8609a32754 

Ethereum Attestation Service - https://attest.org/