Use cases

Lend to the people
platforms already pay.

Your users earn real, steady income online and can't get credit anywhere. Cr3dentials turns that income into loans your app can offer today, with repayment built into the way they get paid.

Become a lending partner API reference

1

Integration for the full loan lifecycle

Instant

Offers after verification

At source

Repayment deducted automatically

Borrower segments

The people your app already serves.

Gig and delivery workers

Drivers and couriers earn steady money with nothing a bureau recognizes. Verify earnings straight from the apps they drive for, and offer credit that repays automatically from those same earnings.

Remote workers and contractors

Contractors paid through global payroll platforms have provable, recurring income. Verify it at the source and lend against it, with installments deducted before payouts hit a spending account.

Online merchants

A store's revenue says more than a credit score. Confirm sales at the source and offer working capital that repays as a share of what the store earns.

Creators

Creators earn predictable payouts that traditional underwriting ignores. Verify platform income and advance capital against money they are already making.

For partners

Built for the app your users already trust.

Neobanks

Offer credit inside your app without a lending license or balance sheet. We verify, underwrite, fund through a licensed lender of record, and collect. You earn on every loan and keep the relationship.

Fintechs and platforms

If your users earn or get paid through you, you are the best place for them to borrow. Embed our lending flow and turn payout data into a credit product.

Lenders

Use our verification and underwriting stack to originate against platform income, or plug in as a capital partner and deploy through our network.

Integration

One API for the whole lifecycle.

Verification, offers, disbursement events, and repayment status, delivered as JSON and webhooks.

REST APIWebhooksSDK: JS · Python

// fetch a loan

GET https://api.cr3dentials.xyz/v1/loans/:id

{
  "borrower": "usr_4a3bc9f2",
  "status":   "repaying",
  "verified_income": {
    "platform":       "shopify",
    "trailing_90d":   "$48,200",
    "payout_cadence": "weekly"
  },
  "offer": {
    "principal":   "$5,000",
    "term_weeks":  26,
    "installment": "$214"
  },
  "repayment": {
    "source":         "platform_payout",
    "collected":      "$1,712",
    "remaining":      "$3,852",
    "next_deduction": "2026-08-18"
  },
  "lender_of_record": "partner_bank_01"
}

Data sources we verify

If it lives behind a login and starts with https://, we can verify it.

Gig & freelance platformsBank accountsE-commerce storesPayment gatewaysSocial & creator accountsSubscription & SaaS revenueOn-chain wallets

Ready to put credit in your app?

Talk to the team