Underwrite borrowers banks never can.
50M+ merchants, gig workers, and creators earn on platforms every month and are invisible to credit bureaus. Cr3dentials gives you the proof you need to lend to them confidently.
50M+
Platform earners you can verify
<2s
Verification via API
1
Integration for every platform
Use cases
Lend to the people platforms already pay.
Whatever your borrowers earn online, Cr3dentials turns it into verified income you can underwrite against.
Gig & delivery workers
Lend to drivers and couriers with no payslip
Gig workers earn real, steady money but have nothing a credit bureau recognizes. Verify their earnings straight from the apps they drive for, and extend cash advances or credit lines with confidence.
Online merchants
Fund merchants against real store revenue
An online store's sales tell you more than a credit score ever will. Confirm Shopify and Stripe revenue at the source to underwrite merchant cash advances and working capital for SMBs.
Creators
Finance creators against recurring payouts
Creators earn predictable income that traditional underwriting ignores. Verify payouts from the platforms they publish on to advance capital against money they are already making.
Freelancers
Extend credit to independent workers
Freelancers piece together income across platforms and rarely fit a lender's model. Check their earnings to offer personal credit based on what they actually earn.
Remote workers & contractors
Lend against online payroll, from anywhere
Remote workers and contractors get paid through platforms, not local payslips. Verify online payroll to lend against steady, provable income wherever they live.
Crypto-native borrowers
Underwrite against verified crypto balances
Crypto earners hold real assets that banks cannot see. Confirm exchange balances and on-chain holdings to underwrite lending without guesswork.
For every kind of lender
Understand your non-traditional users.
Whatever kind of lender you are, Cr3dentials turns invisible, platform-native earners into customers you can confidently underwrite.
Neobanks
A lot of your users are non-traditional earners: gig workers, freelancers, and crypto earners the bureaus can't see. Cr3dentials helps you understand who they really are, so you can offer unsecured loans to users you'd otherwise have to turn down.
Digital lenders
Originate against real, verified income from the platforms your applicants already use. Approve thin-file borrowers in seconds and grow your book beyond bureau data.
Banks
Add verified, platform-native income to your underwriting, so you can confidently say yes to self-employed and gig-economy customers that traditional models miss.
Integration
REST, webhook, or on-chain.
Use Cr3dentials however it fits your stack. Get a verified credential as JSON, verify it on-chain via smart contract, or receive real-time webhooks when a borrower's status changes.
// fetch a verified credential
GET https://api.cr3dentials.xyz/v1/credentials/:id
{
"subject": "0x4a3b...c9f2",
"email": "[email protected]",
"issuer": "cr3dentials.xyz",
"claims": {
"shopify_revenue_range": "$100K–$500K/yr",
"stripe_processing": "active · 18mo",
"inventory_value": "$42,000"
},
"proof_type": "on-chain + off-chain",
"chain": "base",
"signature": "0xf29c...a841",
"verified": true
}Data sources we verify
If it lives behind a login and starts with https://, we can verify it.