Kredex connects borrowers and lenders through behaviour-based on-chain reputation and transparent P2P workflows — powered by Stellar and Circle USDC.
No seed phrase. No password. Connect with Face ID, Freighter, or Albedo.
Kredex is the first lending platform where your on-chain behaviour is your credit score. No paperwork. No collateral. Just trust earned on-chain.
Sign in with Face ID or fingerprint. No 24-word recovery phrase. Powered by WebAuthn.
Your reputation score lives on Stellar Soroban. It updates with every loan repaid or funded.
Kredex evaluates your on-chain history, not your collateral. Fair for everyone.
All loans are denominated in USDC. Borrow and repay in stable dollar-pegged currency.
Funds move directly between wallets via Soroban smart contracts. No middleman.
Start at $50 USDC with zero KYC. Verify your identity to unlock $500 and $5,000 limits.
Freelance Developer
"Kredex gave me the micro-loan I needed for a new laptop when banks refused because I lacked traditional credit history. Building reputation on-chain is a game changer."
Small Business Owner
"I started lending my spare USDC on Kredex. The transparency of borrower reputation and the atomic P2P escrow gives me total peace of mind."
Digital Nomad
"Borrowing in USDC without dealing with crypto volatility or needing collateral is exactly what I've been looking for. The passkey login makes it incredibly simple."
Kredex is a reputation-based micro-lending platform where creditworthiness is driven by real on-chain financial behaviour, not collateral or paid tasks. All loans are settled in Circle USDC on Stellar.
No seed phrase needed. You can sign in with a Passkey (Face ID / fingerprint) directly in your browser. Freighter and Albedo are also supported for desktop users.
The score is stored on Stellar Soroban and reflects repayment history, lending activity, transaction consistency, and KYC tier. It updates automatically after every on-chain event.
All loans are denominated in Circle USDC — a dollar-pegged stablecoin. On testnet, both USDC and XLM are supported. On mainnet, USDC will be the sole currency.
Yes. Lenders can inspect borrower reputation scores, KYC tiers, repayment progression, and escrow status — all on-chain with full transparency.
