Solution

Cr3dentials provides APIs for businesses to merge blockchain with mobile money, creating a direct link between customer transactions and their blockchain wallets. Our platform enables businesses to issue soulbound tokens (SBTs) based on customer payment behaviors, positively for prompt payments and negatively for late ones, directly impacting their credit scores. Our AI effectively combines historical transaction data, if uploaded by the customer, with ongoing activities like soulbound token issuance to create a comprehensive and dynamic credit profile. This approach, aligning with KYC/KYB standards, offers a transparent and accurate assessment of financial behavior, fostering reliable credit access and enhancing financial trust in emerging markets.