Built on Creditcoin
The Universal DeFi
Credit Layer
Trustless cross-chain reputation lending. Verify your history from any chain, unlock better rates with your Universal Credit Score.
Connect your wallet to get started
Universal Score
847/1000
Excellent
Demo preview
Protocol Overview
Total Value Locked
$2.45M
+12.5% this week
Active Loans
847
75.5% utilization
Avg Credit Score
682
Out of 1000
Total Users
2,340
Across all chains
How CreditX Works
Cross-Chain Verification
USC precompile verifies your Ethereum repayment history on Creditcoin in ~15 seconds. No oracles needed.
Soulbound Credit NFT
Your Universal Credit Score (0-1000) is minted as a non-transferable NFT, portable across all Creditcoin dApps.
Dynamic Lending
Better score = lower collateral. Unlock LTV as low as 50% vs industry 150%+ standard. Save capital, borrow more.
Credit Score Tiers
Your credit score determines your collateral requirements and interest rates
| Score Range | Tier | Collateral Required | Interest Rate |
|---|---|---|---|
| 900 - 1000 | Elite | 50% | 2% |
| 750 - 899 | Excellent | 75% | 5% |
| 500 - 749 | Good | 100% | 10% |
| 200 - 499 | Fair | 120% | 15% |
| 0 - 199 | Standard | 150% | 25% |