New CR3POD episode with Aurelia Mutua, founder of Decentrix. We talk through what financial inclusion really means for creatives, why the existing system keeps missing them, and what she’s seen change (and what hasn’t) over years of working at this intersection. This is one of those conversations that reframes the whole problem. open.spotify.com/show/00st9X…

Timing in fintech is everything. Crypto neobanks spent two years assembling critical pieces of infrastructure: cards, stablecoin rails, payments, savings and yield. That groundwork is done. The next layer is credit. But their users (gig workers, online sellers, cross border earners) don’t have W2 income. They earn from six platforms at once. The old credit stack can’t underwrite that. You can’t extend credit to a user you can’t verify. That’s where @Cr3dentials comes in. One API to verify and underwrite identity and income across gig platforms, payroll, creator platforms, and payment gateways. Excited to see neobanks move into the credit layer.

Some real talk! I love what Dada is onto with this podcast!

“Creatives are bad with money” is one of those ideas that gets repeated so often nobody questions it anymore. @mwikali_aurelia does. On this week’s CR3POD, the @DecentrixAfrica builder makes the case that the problem was never the creatives. It was a financial system built around a kind of income that is simply not inclusive. open.spotify.com/episode/4Ho… #verification #cr3dentials #lending #creativity #digitaleconomy

Unsecured credit? You definitely need look into @Cr3dentials to verify your user earning through their API Could connect you with the founder @Metachaser24 to talk more

Hey guys I'll be in New York till the end of the month. I just got here today. I'd love to connect with founders of neobanks , crypto lending protocols, fintechs, capital partners, researchers, and investors building and highly interested in uncollateralized onchain lending and borrowing. @Cr3dentials is verification infra for lenders underwriting the global online economy. DM me or reply under this post & we can meet for coffee!

@Cr3dentials we currently support Shopify, Uber, and YouTube verifications. Coming next: payroll platforms like Deel, payment gateways like Stripe, freelance platforms like Upwork. We're building the unified API with zkTLS to make credit access easier for online earners.

Who's building unsecured credit using stablecoin rails? We want to work with 🫵

The next practical step for any neobank running a BaaS model is unsecured credit. Think about it you already offer users virtual accounts, they spend , store, and grow their money. Borrow is next. You’ll need to verify the inflow deposits made. why not use @Cr3dentials

Onchain credit cards are the future. Let's chat about how we @Cr3dentials can help you verify the digital economy so they can access credit lines 👀

We just wrote an article on unsecured lending for neobanks that you should check out. @Cr3dentials we provide the verification infra using zkTLS (data access underwriting)

And verifying your user earning across platform like YouTube, Shopify etc via @Cr3dentials to provide credit line to more people than just a crypto native but freelancer gig worker etc

An unsecured credit card designed for near-prime users underserved by traditional banking systems.🫡

Unsecured lending is the next frontier. Overcollateralized loans only work for people who already have capital. They don’t reach the people who need and use this space the most: creatives, gig workers, freelancers, online merchants. That’s where we come in @Cr3dentials. Check this out ⬇️

if you’re a founder brainstorming killer ideas for crypto neobanks, here are some i’ve jotted down for a while now: • unsecured credit / bnpl • business banking with payroll support • trustpilot for crypto cards • perks aggregators • reusable compliance identity who’s already building these, and what else would you add?

Cr3dentials is building the verification infrastructure that changes lives, starting with the digital economy that has always had to prove more to get basic access. cr3dentials.xyz

Everyone is so focused on overcollateralized lending but who is looking at uncollateralized. We want to work with folks trying to build this.