Income-Backed Credit for Onchain Workers

Under-collateralized credit based on your cashflow. Smart accounts ready for humans and AI agents.

How On-Chain Credit Works

Transparent, trustless, and instant

Connect Wallet

Link your MetaMask wallet to get started

Mint Credit NFT

Create your on-chain credit identity

Spend from Credit

AI evaluates and approves in seconds

Build Credit

Repay on time and increase your limit

Why Choose PayFi-Cred?

The future of decentralized credit on Shardeum

AI-Powered Credit Decisions in Seconds

Our MCP AI Agent evaluates your on-chain income and approves credit requests in under 3 seconds. No lengthy applications, no credit bureaus—just transparent, trustless lending.

0% Interest on Repayments

Pay back within 30 days and owe nothing extra. Build your on-chain credit score with every successful repayment.

Credit NFT: Your Portable On-Chain Identity

Mint a soulbound Credit NFT that stores your credit history, score, and limits. Use it across partner apps in the Shardeum ecosystem. Your credit identity, owned by you, secured by the blockchain.

Trusted by Web3 Builders

See what our users are saying about PayFi-Cred

PayFi-Cred revolutionized how I access credit. As a freelance developer, traditional banks never understood my income streams. Now I get instant credit based on my actual on-chain earnings.
Alex ChenWeb3 Developer
The AI agent feature is incredible. It manages my spending caps and automatically handles repayments. I've never missed a payment since I started using PayFi-Cred.
Sarah MitchellDAO Contributor
Zero interest for 30 days is a game-changer. I can bridge cash flow gaps without worrying about accumulating debt. This is what DeFi should be.
Marcus JohnsonNFT Artist
My Credit NFT is my most valuable asset. It carries my entire credit history on-chain, and I can use it across multiple Shardeum apps. True financial portability.
Elena RodriguezDeFi Researcher
The income verification through vlayer proofs gave me a $25K credit line in under 3 seconds. No paperwork, no waiting, no traditional credit checks. The future is here.
David KimSmart Contract Auditor