Riya
0MayJunJulAugSepOct
- Paid $4,000 on the 1st of every month
- No overdraft or returned-payment fees
- About three months of spending saved
Borrow againstyour payslip.
KredoFi reads six months of your bank history inside a sealed computer, works out a limit, and lends you USDC on NEAR. Lenders never see your statements. Neither do we.
Testnet demo with Plaid's sandbox bank. No wallet needed; we pay the network fees.
Inside the enclave
Reading October- Oct 01Salary, Acme Corp+4,000.00
- Oct 02Rent−1,200.00
- Oct 06Groceries−186.40
- Oct 11Electricity−92.10
- Oct 15To savings−600.00
- Sep 01Salary, Acme Corp+4,000.00
- Sep 02Rent−1,200.00
- Sep 09Phone−45.00
- Sep 14Groceries−201.75
- Sep 20Bus pass−64.00
- Aug 01Salary, Acme Corp+4,000.00
- Aug 02Rent−1,200.00
- Aug 18To savings−600.00
- Aug 23Groceries−164.20
- Jul 01Salary, Acme Corp+4,000.00
- Jul 02Rent−1,200.00
- Jul 20Groceries−177.30
- Jul 28Electricity−88.40
- Jun 01Salary, Acme Corp+4,000.00
- Jun 02Rent−1,200.00
- Jun 22Dentist−80.00
- Jun 25To savings−600.00
- May 01Salary, Acme Corp+4,000.00
- May 02Rent−1,200.00
- May 12Groceries−190.10
- May 30Phone−45.00
Riya's tally
- Income level
- 0
- Steady income
- 0
- On-time payments
- 0
- Money left over
- 0
- Savings buffer
- 0
Score0
BAND A, $100
That one line is all that leaves. The 30 transactions are deleted when the run ends.
Lenders see a band and a limit. They never see your salary, your rent, your name, or the night you went over budget.
How to check a KredoFi note
Central banks print money with details that are hard to fake. We built every loan the same way. Keep scrolling, or hover the note to look through the loupe.
The amount
$100 is your limit. The rules set it, not a loan officer. Repay this one on time and your next note says $250.
The letter
Your band, from A to D. Like the colour-shifting ink on a real note, it changes as you move. It's the only score that goes on-chain.
The serial number
A keyed fingerprint of your bank account. One account can back only one borrower, ever.
The thread
Your name, encrypted and woven in. It opens for our recovery partner only if you never repay.
The watermark
Proof that the scoring ran inside Intel TDX with the published code. Anyone can check it against the transaction on NEAR.
Hover the note to read the microprint along the bottom edge.
Riya gets $100. Sam doesn't, and he's told why.
Five rules decide the band, and they're published as code. Nobody at KredoFi can nudge a score up or down.
Sam
02 fees
1 fee
1 fee
MayJunJulAugSepOct
- Paid in only 4 of the last 6 months
- 4 overdraft or returned-payment fees
- Spent more than he earned
Lending is the boring part, on purpose.
Put USDC into the pool from NEAR, or bring it from Base, Ethereum or Solana through NEAR Intents. When a loan isn't repaid, the reserve pays you back before you lose anything.
| In the pool | … |
|---|---|
| Lent out right now | … |
| Reserve, pays losses first | … |
| Lost by lenders so far | … |
Public ledger example events, until the ledger answers
- Score issued, band A—example
- Loan repaid$104.00example
- Lender deposit from Base$250.00example
- Score issued, band D—example
- Loan issued, band A$100.00example
- Reserve covered a default$100.00example
Deposits from other chains arrive in about 35 seconds.
Numbers from a real enclave run on 25 October, not from a pitch deck.
3.9 sto read 30 transactions inside Intel TDX
0.00145NEAR for the whole scoring run
0 bytesof bank data written to the chain
12 of 13risky pieces proven before the build. See the transaction
Borrow against your payslip.
Connect Plaid's sandbox bank with its public test login and see your limit in about a minute. Borrow, repay, and watch your limit grow. No wallet needed.