Credit
without banks.
On-chain credit scoring built from your behavior, not your history. Six factors, one wallet, no FICO, no bureau. Access stablecoin credit lines underwritten on what you actually do — not on a number a bank gave you years ago.
Half the planet is uninsurable, unscorable, unbankable.
Traditional credit scoring requires years of banking history, a social security number, and geographic stability. Half the world doesn't qualify.
Built from real on-chain behavior.
Every factor is observable on-chain. Every weight is published. The model is transparent, auditable, and improves as the user transacts.
Volume, frequency, and consistency of on-chain transactions
Loan repayment history within the KREXUM ecosystem
Portfolio value, diversification, and stability over time
Contribution reliability in savings circles
Duration and activity level of KREXUM account
Vouches from other users, referral network quality
Higher score, better terms.
Each tier unlocks larger credit lines, lower collateral requirements, and better rates. The path from Building to Exceptional is the same for everyone — designed, not gatekept.
Micro-loans up to $100, basic Circle participation
Loans up to $1,000, reduced collateral (80%)
Loans up to $10,000, 50% collateral, premium rates
Loans up to $50,000, 25% collateral, best rates
Uncollateralized loans up to $100,000, institutional rates
Your credit data stays yours.
From Phase 2, every KREXUM credit score is wrapped in a zero-knowledge credential the user holds in their own wallet. Lenders verify proofs; they never see your underlying transactions. Public credit bureaus were always a bad idea — and on-chain naive credit is worse. We solve it.
Start building your score.
Connect a wallet, talk to the AI copilot, sign the moves you approve. Every transaction you confirm builds the score the lenders see.