Less collateral
Stop overcollateralizing.
CredScore turns reliable credit signals into higher LTV tiers for qualified borrowers.
Undercollateralized credit for proven borrowers
Borrow with less collateral using score
CredFlow uses wallet history and bank-record proofs to build a credit score that can unlock better borrowing terms.
Earn better terms.
Wallet optional
Score beyond a wallet.
Use on-chain history, verified bank records, or both to build a borrower profile.
Fairer quote
Borrow on reputation.
The lending contract reads your score before setting collateral limits and rate premiums.
Prove. Score. Borrow.
01Proof source
Pick your proof
Start with wallet history, verified bank records, or both.
Wallet optional
02Scoring
Build CredScore
CredFlow turns credit signals into a borrower score.
Score preview03Borrowing
Unlock a quote
Higher tiers can reduce collateral and improve LTV.
85% LTV tier04Monitoring
Keep it healthy
Agents watch score, loan state, and repayment behavior.
Live statusProfile Sources2 Connected
Wallet0x71...9b2
Borrow history synced
Bank recordszkTLS attestation
Proof verified
Signals ExtractedReady
Repayment logic
HighWallet age
2.4 yrsLiquidity tier
$10k+Proof validity
ValidScore raises capacity.
CredFlow maps borrower trust into clear tiers, so stronger credit can unlock higher LTV and less upfront collateral.
- 01Higher score, higher LTV
- 02Wallet or bank proof
- 03Terms stay monitored
Score tier ladderPrime
Starter580+
45% LTVBaselineReliable660+
65% LTVReducedPrime742+
85% LTVUnlockedCollateral unlockedLower backing
Proof sourceWallet or bank
MonitoringAlways on
Proof without exposure.
Bank-proof boost
Reclaim can verify balance capacity without exposing raw account data.
Score-aware limits
CredFlow maps scores into LTV tiers instead of one blanket collateral rule.
Active monitoring
Repayment, defaults, and health signals update the borrower profile.
Cross-chain memory
Scores can move across deployments so good history does not reset.
Decision receipt
Positive
Clean history
Thin proof
Agent statusLoan watched
Borrow beyond collateral.
Try CredFlow with a borrower profile built from wallet history or verified bank records.Try CredFlow Now!