Skip to main content

Crowd.Credit

Crowd.Credit is a crypto-native credit platform that lets you deposit digital assets, earn yield, and access real-world credit -- all backed by your on-chain reputation through CrowdProof.id.

What is Crowd.Credit?​

Traditional credit systems rely on opaque scoring models, centralized bureaus, and legacy infrastructure that exclude billions of people worldwide. Crowd.Credit replaces this with a transparent, programmable credit layer built on Ethereum and powered by decentralized identity.

How It Works​

  1. Deposit -- Connect your wallet, deposit supported tokens (ETH, USDC, USDT, DAI, wstETH). Your deposits are secured in audited smart contracts.

  2. Earn Yield -- While your assets sit in the platform, they generate yield through battle-tested DeFi protocols (Aave, Lido, Compound). You keep 65% of all yield generated.

  3. Build Credit -- Your CrowdProof reputation score, deposit history, and payment behavior determine your credit tier. Start with secured credit (backed by your deposits) and graduate to unsecured lines as you build trust.

  4. Spend -- Use your Crowd.Credit virtual or physical card anywhere Visa is accepted. Purchases draw from your credit line, not your deposits.

  5. Repay -- Make payments in crypto or fiat. On-time payments improve your CrowdProof score, unlocking better rates and higher limits.

Key Features​

FeatureDescription
On-Chain IdentityCrowdProof DID anchors your credit profile to a decentralized identity
ML-Powered ScoringLightGBM models analyze 53 on-chain features for accurate risk assessment
Graduated CreditProgress from SECURED_ONLY to PREMIUM tier based on behavior
DeFi YieldDeposits earn yield from Aave, Lido, and Compound
Fraud Prevention5-layer fraud detection including clustering analysis, velocity checks, and ML models
Multi-ChainSupports Ethereum, Polygon, Arbitrum, Base, and Optimism
SDK SupportTypeScript, Python, Go, C#, Java, and Swift SDKs available

Architecture Overview​

User Wallet
    |
    v
[Crowd.Credit App] ---> [REST API] ---> [Azure SQL]
    |                        |
    v                        v
[Smart Contracts]      [CrowdProof API]
    |                        |
    v                        v
[DepositVault]         [DID Registry]
[YieldRouter]          [Reputation Oracle]
[CreditEscrow]         [ML Scoring Engine]
[OracleReader]         [Blockchain Indexer]

Next Steps​