Cr3dentials

Cr3dentials is a web and API verification platform for lenders, fintechs, and platforms that need to confirm a user’s income, reputation, and work history directly from online sources using user consent and cryptographic proof.

Key capabilities include:

• Income and activity verification from HTTPS sources: validates facts from platforms such as Upwork, YouTube, Shopify, Binance, and other HTTPS-based sites, without requiring manual document uploads.
• Privacy-preserving verification with zero-knowledge cryptography: verifies the TLS connection to confirm the user accessed the real account securely, then generates a zk-proof that can be shared as a verifiable credential.
• Use-case coverage for lending and risk: supports revenue-based financing and cash advances (underwrite revenue from payment gateways and ecommerce), consumer loans and cash advances (verify gig, payroll, freelance, and creator income), alternative credit scoring (convert verified income and engagement into credit signals), plus KYC/KYB and identity linking to confirmed income sources.
• Fast workflows for operations teams: provides dashboard and API options, with verification that takes less than 1 minute.

Available on Web (app) with API access via documentation.

Targeted at B2B teams such as lenders, financial institutions, and platforms building onboarding, underwriting, or identity and income verification flows.

Notable for privacy and compliance posture, it is GDPR-ready and verifies facts without storing user credentials or sensitive data, which can help African lenders and fintechs reduce fraud risk while onboarding digital earners with income spread across global platforms.