Your Crypto Earns While You Spend
No KYC required. Deposit crypto, get a spending card instantly. Your collateral earns yield while it backs your credit line.
Platform Highlights
How It Works
Three steps. No KYC. Your collateral earns yield the entire time.
Connect Wallet
Connect any Ethereum wallet. No identity, no email, no credit check. Just your wallet address.
Deposit Crypto
Deposit ETH, USDC, USDT, DAI, wBTC, or WETH. Your deposit backs your credit line and earns yield in DeFi.
Spend Instantly
Get a virtual card immediately. Spend on crypto rails, earn yield, upgrade to Visa/MC and unsecured credit whenever you choose.
Why Crowd.Credit
The first credit product where your collateral works for you, not against you.
Crypto-Backed Credit Card
Deposit ETH, USDC, or other supported tokens as collateral and get a spending card instantly. No credit check, no waiting period.
Graduate to Unsecured
Start secured, build trust. After 12+ months of on-time payments and a strong CrowdProof score, unlock unsecured credit up to $15,000.
On-Chain Reputation
Your credit history lives on-chain via CrowdProof.id. Defaults anywhere propagate everywhere. Good behavior is rewarded across protocols.
No KYC Required
No identity, no credit check, no waiting. Deposit crypto and start spending. Upgrade to a CrowdProof DID or full KYC only when you want more features.
Real-Time Everything
Sub-500ms auth decisions. Real-time fraud monitoring. Instant score updates. Live collateral pricing. WebSocket transaction alerts.
Collateral Earns While You Spend
Your deposited collateral earns a modest yield in audited DeFi protocols while it backs your credit line — a perk you won't find with traditional secured cards.
Three Access Tiers
Start anonymous. Upgrade when you want more. Every tier is a complete product, not a limited preview.
Anonymous
No identity. No KYC. No CrowdProof.
Pseudonymous
CrowdProof DID. No personal identity.
Verified
Full identity + traditional credit.
Unsecured credit requires three qualifying scores: crypto (CrowdProof), traditional (FICO), and blended. All unsecured credit is bounded by cumulative revenue earned from the account.
Defense in Depth
Five layers of protection against bust-out fraud and misuse.
Identity Clustering
Detect Sybil attacks via funding traces, device fingerprints, and behavioral patterns
Velocity Controls
Per-account, per-cluster, and system-wide spend limits with real-time enforcement
ML Fraud Scoring
LightGBM model scores every transaction for bust-out probability in real-time
Circuit Breakers
Automatic system-wide freeze when loss thresholds are breached
CrowdProof Scores
Cross-protocol reputation monitoring — defaults anywhere trigger freeze everywhere
Your crypto earns while you spend.
No KYC required. Connect your wallet, deposit crypto, and start spending in about two minutes. Upgrade when you're ready.