Real-World Credit
Extend on-chain creditworthiness to real-world lending. Help users leverage their DeFi history for traditional credit access.
Cred Protocol bridges the gap between on-chain and off-chain finance. Enable lenders to incorporate blockchain credit history into real-world lending decisions, expanding credit access for crypto-native users.
- Bridge on-chain credit history to real-world lending decisions—help users leverage their DeFi track record
- Combine on-chain scores with traditional data for comprehensive creditworthiness assessment
- Enable under-collateralized lending for borrowers with proven on-chain repayment history
Frequently Asked Questions
How can on-chain credit help real-world lending?
On-chain credit history provides verifiable proof of financial responsibility that can supplement or substitute traditional credit scores. For crypto-native users, this may be their most comprehensive financial record. Lenders can use this data to extend credit to underserved populations.
Can Cred scores be used for traditional lending products?
Yes. Our enterprise clients include fintechs and lenders offering real-world credit products who incorporate on-chain scores into their underwriting. This is particularly valuable for serving crypto-native customers who may be thin-file or credit invisible in traditional systems.
How do you handle the volatility of crypto assets?
Our scoring model focuses on behavior patterns—borrowing, repayment, liquidation history—rather than just asset values. A user who consistently repays loans and avoids liquidations demonstrates creditworthiness regardless of market conditions. We also provide point-in-time asset valuations when needed.
What's needed to enable under-collateralized lending?
Strong credit scores combined with identity verification enable progressive reduction of collateral requirements. Start with traditional overcollateralized terms, then reduce requirements as borrowers build track records. Our historical score data helps you track borrower improvement over time.
Ready to Get Started?
See how Cred Protocol can transform your approach to on-chain credit assessment.