Cr3dentials provides a privacy‑first service that lets users securely log into banks, payment gateways, or gig platforms via TLS, extracts income and activity data, and generates a zero‑knowledge proof attesting to its authenticity. The platform delivers verifiable credentials through an API or dashboard in under a minute, enabling lenders and fintechs to underwrite revenue‑based financing, consumer loans, and alternative credit scores while maintaining GDPR compliance.
Funding
$25K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
KVFounders
Product
Problem
Financial institutions and fintech platforms struggle to obtain reliable, real‑time income and activity data from users without exposing sensitive credentials, leading to high fraud risk, lengthy manual verification processes, and compliance challenges.
Solution
Cr3dentials enables instant, privacy‑first verification of financial data by having users authenticate directly with the source platform over a secure TLS connection. The service extracts key metrics such as payouts, sales, or work history and generates a zero‑knowledge proof that attests to the data’s authenticity without storing any raw credentials. Lenders and platforms receive a verifiable credential via an API or web dashboard in under one minute, allowing them to underwrite revenue‑based financing, consumer loans, or alternative credit scores with reduced fraud exposure. The solution is GDPR‑ready and is pursuing SOC 2 and ISO 27001 certifications, ensuring regulatory compliance while maintaining a global, border‑agnostic ecosystem.
Target Audience
Primary customers are lenders, fintech platforms, and revenue‑based financing providers that need fast, trustworthy income verification, as well as businesses requiring compliant KYC/KYB and alternative credit scoring solutions.
Features
- TLS‑validated user login to any HTTPS‑enabled income source (banks, payment gateways, gig platforms, e‑commerce sites)
- Zero‑knowledge cryptographic proof generation that confirms data integrity without exposing raw user data
- Real‑time extraction of income, activity, and engagement metrics (payouts, sales, views, work history)
- API and web dashboard delivering verifiable credentials in < 1 minute for seamless integration into lending workflows
- Built‑in modules for revenue‑based financing, consumer loan underwriting, alternative credit scoring, and KYC/KYB identity verification
- Multi‑platform support covering traditional banks, Shopify, Upwork, YouTube, and other web‑based services
- GDPR‑compliant data handling with ongoing SOC 2 and ISO 27001 certification efforts
- Role‑based access controls and end‑to‑end encryption to protect credential confidentiality