Credit without banks
On-chain credit scoring based on your behavior, not your history. Access loans without banks, bureaus, or borders.
3.5 billion people excluded from credit
Traditional credit scoring requires years of banking history, a social security number, and geographic stability. Half the world's population doesn't qualify.
No formal credit history or scoring available
Unmet micro and small business lending demand globally
Percent of loan applications rejected in emerging markets
Six factors that build your score
Your KREXUM credit score is computed from on-chain behavior — no paperwork, no waiting, no bias.
Transaction History
25%Volume, frequency, and consistency of on-chain transactions
Repayment Behavior
25%Loan repayment history within the KREXUM ecosystem
Asset Holdings
15%Portfolio value, diversification, and stability over time
Circle Participation
15%Contribution reliability in savings circles
Account Age
10%Duration and activity level of KREXUM account
Social Trust
10%Vouches from other users, referral network quality
Score tiers and benefits
Higher scores unlock better terms, lower collateral, and larger loan sizes.
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
Start building your on-chain credit
No minimum balance. No credit check. Just sign up and start building.