Credit-based borrowing for emerging-market SMEs
Today we welcome Kredito.
A system for credit-based borrowing in DeFi for small, fast-growing companies who need access to capital at competitive rates.
Connect a wallet to begin — it becomes your .kredito.eth credit identity.
On-chain credit score
attested · TEEacme.kredito.eth
Credit identity
Low
Risk tier
Score model
Confidential AI
Runs in
Chainlink TEE
Score range
0–1000
Min eligible score
400
The problem
Thriving businesses in Latin America are locked out of efficient global capital.
>20%
APY LatAm SMEs pay today
<8%
What developed markets pay
$1T
Regional SME funding gap
$320B
LatAm stablecoin volume
Why today's solutions fail
Neither side bridges the gap.
Too slow and too expensive.
Months of paperwork, local risk premiums and intermediaries — by the time capital arrives, the growth window has closed.
Over-collateralized.
You must lock more than you borrow — useless for cash-starved startups.
Lock
$15,000
To borrow
$10,000
The opportunity
Real-world businesses lack surplus assets to lock in smart contracts. Meanwhile LatAm stablecoin volume tops $320B. The liquidity and infrastructure are ready — the bridge is missing.
The solution
We bring real-world creditworthiness on-chain to unlock credit-based lending for small business.
Using the Chainlink Confidential AI Attester, the protocol securely analyzes audited financial documents from emerging-market enterprises inside a TEE — extracting ground-truth financial health to generate a reliable, tamper-proof on-chain credit score. By replacing heavy upfront collateral with verifiable financial reputation, we unlock capital efficiency for SMEs and let global stablecoin liquidity safely fund high-yield, real-world growth.
- 01Audited docs
- 02Confidential AI (TEE)
- 03On-chain credit score
How it works
One page, 5 steps — wallet to working capital.
Onboarding
Submit business profile, documents and KYC/KYB. The wallet becomes the credit identity.
Score
Chainlink Confidential AI analyzes your documents in a TEE and returns a single creditworthiness score.
Credit identity
If eligible, you mint a verifiable <name>.kredito.eth ENS credit identity that carries your score.
Borrow
The vault verifies your ENS identity and a signed attestation, then pays out a working-capital loan.
Liquidity
Liquidity providers fund the vault; origination fees build a reserve that covers defaults.
Get started
Turn financial reputation into capital efficiency.
Replace heavy collateral with a verifiable on-chain credit score — and let global stablecoin liquidity fund real-world growth.
Your wallet becomes your .kredito.eth credit identity.