Privacy layer · ships in Phase 2

Public credit bureaus
were always
a bad idea.

KREXUM gives users an on-chain credit score that is private from the public chain, auditable by the licensed operator under VARA, and revealable by the user — selectively, via zero-knowledge proofs. Apple Wallet for on-chain credit.

Try the AI CopilotSee the credit model →
POSEIDON HASHEDDSA · BABY JUBJUBGROTH16 SNARKKREXUMCREDIT CREDENTIAL · v1holderDidscoretierjurisdictionSIGNED · KREXUM ISSUER · #77813PROOFSCORE ≥ 700NO DEFAULTSKYC ✓
How it works · architecture

Issue. Hold. Prove. Verify.

Four roles, one wallet, zero unnecessary disclosure. KREXUM is the licensed issuer. The user is the holder. Lenders are verifiers. Base L2 anchors the registry.

KREXUMISSUER · LICENSED01SIGNED CREDUser WalletHOLDER · NON-CUSTODIAL02ZK PROOFVerifierLENDER · DAPP · CIRCUIT03REGISTRY READBase L2ANCHOR04ARCHITECTURE · FOUR ROLES · ONE WALLETSame pattern as Polygon ID, Sismo, World ID — productionized for consumer credit.
KREXUMCREDIT CREDENTIAL · v1VERIFIEDHOLDERdid:pkh:eip155:8453:0x7A8d...DE88SCORE████ · ENCRYPTEDTIER████████ · STRONGJURISDICTIONAE · DUBAI SILICON OASISEXPIRES2027-01-13 · 90d FROM ISSUESIGNED · KREXUM ISSUER #77813 · EdDSA-Poseidon · BabyJubJubNON-TRANSFERABLE
In the wallet

A signed credential.
Not a database row.

Every KREXUM credit credential lives in the user's own wallet as a cryptographically signed payload. KREXUM keeps an audit copy under VARA obligations. Nothing about the user appears on the public chain — only the issuer registry and a revocation merkle root.

The encrypted fields shown here are the data the user can selectively reveal — never permanently exposed.

EdDSA-Poseidon signature·BabyJubJub curve·90-day TTL
Six proofs · phase 2 MVP

What you can prove,
without revealing.

700PROVEN ≥850300
score-above

Score above threshold

Prove your credit score is ≥ 700 without revealing the actual score.

public: threshold · private: score, signature, nullifier
Loan applications, premium feature unlocks
TIERSTRONG
tier-equal

Tier equals value

Prove you are in the "Strong" tier without revealing your numeric score.

public: tier hash · private: tier, signature
Membership programs, gated communities
24 MONTH WINDOWALL CLEAN · 0 DEFAULTS
no-defaults

No defaults in window

Prove you have no defaults in the last 24 months without revealing your full history.

public: window length · private: default count, signature
Rental deposits, peer-to-peer lending
UAEINSGBRNGALLOWED · MERKLE PROOF
jurisdiction-in

Jurisdiction in set

Prove you are KYC'd in a permitted country without revealing which country.

public: allowed countries merkle root · private: country code, merkle proof
Geo-restricted DeFi, regulatory whitelisting
ACCOUNT AGE ≥ 12 mo
age-above

Account age above N months

Prove you have been on KREXUM for at least 12 months without revealing the exact start date.

public: minimum months · private: account age, signature
Loyalty rewards, anti-Sybil
SCOREDEFAULTSJURISDICTION
composite-and

Multi-fact composite proof

Prove "score ≥ 600 AND no defaults in 12mo AND jurisdiction in {UAE, SG, GB}" in a single proof.

public: composite predicate hash · private: all underlying fields
Bespoke underwriting policies for institutional lenders
Cryptographic primitives

Built on the strongest math
we have.

Battle-tested primitives, not novel cryptography. Each component used by Polygon ID, Sismo, World ID, and the broader zk-credential ecosystem.

EdDSA

Signing primitive

Poseidon

Hash function

Baby Jubjub

Elliptic curve

Groth16

SNARK system
The honest comparison

Traditional. Naive. KREXUM.

Six privacy dimensions, three approaches. Only one of them solves the on-chain credit privacy problem inside a regulated framework.

DIMENSIONTRADITIONAL BUREAUFICO · EquifaxNAIVE ON-CHAINPublic credit dataKREXUMzk-Credit CredentialsVisible to public observersVisible to data brokers / employersAuditable by regulator under lawUser can prove facts without revealing dataUser controls disclosureCryptographic non-revocation
Engineering guarantees

The guarantees, written down.

On-chain footprintIssuer registry + merkle root only
Trust in KREXUM to verifyNone — proofs are publicly verifiable
Trust in KREXUM to issueRequired — same as any KYC operator
Regulatory postureVARA-aligned, FATF Travel Rule compatible
CryptographyEdDSA-Poseidon · Groth16 SNARKs · Baby Jubjub
Anchor chainBase L2 (Ethereum-aligned)
Regulatory note

This is privacy for users,
not anonymity for transactions.

KREXUM is a Dubai-licensed operator (FZCO #77813). KRX is a plain utility token — we do not support shielded transfers, ring signatures, or anonymity-mode transactions. Those would be incompatible with VARA, FATF Travel Rule, and the licensed-issuer architecture this product depends on.

What we do protect is user credit data — your transaction history, repayment behavior, holdings, and credit score — from unnecessary public exposure on the chain. KREXUM, as the licensed operator, retains the records required by VARA, FATF, and AML/CFT obligations. Regulators get a lawful path to information under proper legal process. The general public does not.

Same model used by World ID, Polygon ID, and modern zk-credential systems. Compliant by design — privacy as a product feature, not a regulatory dodge.

Build a credit score.
Keep it yours.

Phase 2 MVP ships in 2027. Try the AI copilot today on Telegram, or read the credit model.

Try the AI CopilotSee the credit model →