Cr3dentials

Cr3dentials operates a verification and embedded lending platform aimed at neobanks, fintechs and lenders that want to extend credit to people who earn income online. Its verification product lets an end user connect the platform where they earn — cited examples include Uber, Shopify, Deel, YouTube, TikTok and OnlyFans — and returns a signed, real-time confirmation of income, asset, identity or employment data through a single API. The company describes the handshake as taking place directly between the user's browser and the source platform, with the response processed in a hardware-attested enclave; only the requested fields are extracted and the remainder discarded, and the company states it does not see or store user credentials. Documentation describes proofs generated client-side using zero-knowledge cryptography, with verifiers able to choose their level of data visibility: the full proof output including raw values, only selected data points, or a pass/fail result against a threshold such as income above a given amount. The stated scope is broad — "if it starts with HTTPS, we can verify it" — spanning social platforms, e-commerce stores, payroll tools and accounting software.

Beyond standalone verification, Cr3dentials offers an end-to-end embedded lending flow described in five steps: the user verifies income inside the partner's app; per-platform credit models produce an instant loan offer; a licensed lending partner funds the loan so the partner holds neither the license nor balance-sheet risk; platform payouts route through a dedicated account from which installments are deducted; and Cr3dentials handles detection of rerouted payouts, disbursement pauses and collections. Listed use cases include revenue-based financing, consumer lending, alternative credit scoring, and KYC/KYB validation. A consumer-facing Android app allows individuals to generate privacy-preserving proofs of online income, account activity and employment status and export them to lenders or other services.

Earlier coverage describes the product as a decentralized income verification protocol built on zero-knowledge transport layer security (zkTLS), a variation of zero-knowledge proofs that cryptographically verifies data exchanged between web browsers and website servers, enabling employers and financial institutions to confirm applicant income without exposing underlying account or login data.

Business model

Cr3dentials sells infrastructure to other companies rather than lending on its own balance sheet. Partners integrate either the standalone verification API, priced as documented in its developer docs, or the full embedded lending stack, in which Cr3dentials supplies underwriting models, capital partners and servicing while the partner supplies users and earns a share on every loan originated through its app. Loans are funded by licensed lending partners, so the partner platform does not hold the loan, the license or the balance-sheet risk, and Cr3dentials retains responsibility for collections and delinquency.

Two revenue lines are described: a verification API with pricing published in the company documentation, and embedded lending in which partner platforms earn on loans originated through their apps, with Cr3dentials providing underwriting, capital partners and servicing. Earlier reporting indicated revenue generation was targeted through pilot programs.

Traction

The website states the product is in production with teams lending to gig workers and online merchants, and names Deel and OnlyFans among platforms verified today. Reporting from an earlier stage described pilot programs lined up with five companies, including the cryptocurrency exchange Onboard Global. The consumer Android app records 10+ downloads and was last updated in October 2025. A directory listing places headcount at 2-10 employees.

Latest developments

The company now markets an end-to-end embedded lending product for neobanks and fintechs alongside its standalone verification API, stating it is in production with teams lending to gig workers and online merchants. Its consumer verification app on Google Play was updated on 17 October 2025.", "risks_controversies">}