ZK Global Credit Passport

Brazil → U.S. wedge

Portable financial reputation

Carry your financial reputation into U.S. underwriting.

Newcomers prove capacity with trusted home-country data, without sending raw bank or bureau records to lenders, property managers, or banks.

Home-country reputation enters underwriting as selective proof, not a raw dossier.

See how it worksEnd-to-end flow
Research

Research basis for private, verifiable cross-border trust.

Initial marketNewcomers in the U.S.

Start with tenant screening; expand into lending, banking, and auto finance.

Disclosure modelNo raw bank statements

The holder keeps the records. The verifier receives only decision-grade signals.

Receipt trailAuditable post-decision receipt

Each verification can produce a signed receipt and Solana devnet anchor.

How it works

An underwriting layer for people crossing borders.

Newcomers turn home-country reputation into a private passport for decisions with less dossier drag.

Journey orchestration

Issuance advances as a sequence of clear controls: consented intake, signal compression, and an underwriting-ready readout.

01

1. Connect

How it works

Connect trusted sources with clear consent and a precise explanation of what will be used.

IntakeHow it works
02

2. Generate

Your passport

Turn repayment and capacity signals into a portable passport without putting your financial life on display.

CompositionYour passport
03

3. Share

For verifiers

Give underwriters, property managers, lenders, and banks a short, verifiable read instead of a document dump.

DeliveryFor verifiers

Choose your interface

Pick the path that fits your role right now.

The newcomer issues. The underwriter verifies. The decision gets signals, not a dossier.

For newcomers

Issue my passport

Connect sources, review signals, and share proof without exposing raw history.

Explicit consentReview before sharingPassport ready for underwriters
Home-country reputation with review and consent.

For underwriters

Verify a bundle

See validity, issuer, approved signals, and a verifiable receipt in a short read.

Active verifier profile

Choose which institutional profile should receive the decision read before entering the desk.

Validity and trusted issuerDecision-grade signalsVerifiable receipt
Short read for cross-border underwriting.

Privacy and trust

Underwriters see decision-grade signals. Newcomers keep raw history private.

The product reduces document drag without exposing statements, accounts, or raw history.

The core promise: prove what matters, hide everything else.

Private verification path

Without exposing statements
01

Newcomer source

Raw history stays private

Input can come from a trusted source, but statements and accounts never appear to the underwriter.

02

Selective proof

Policy signals are computed

The passport carries only what the rule needs to evaluate capacity and good-payer behavior.

03

Underwriter view

Trust is ready to decide

The underwriter sees validity, issuer, applied policy, and a receipt trail.

Raw history
Hidden
Proof bundle
Scoped
Receipt trail
Auditable

Sharing scope

Explicit consentSelective proofCross-border ready

What stays private

Your day-to-day finances remain in the vault.

  • Full statements, tax IDs, and account numbers never appear to the verifier.
  • Raw history stays off-chain and out of the decision view.
  • You control when to share, for how long, and for which decision.

What verifiers can confirm

A faster decision with less friction.

  • Passport validity, trusted issuer, and the applied policy.
  • Capacity and good-payer signals without raw banking disclosure.
  • A verifiable receipt that supports underwriting, tenant screening, and financial onboarding.

With signed attestations, selective disclosure, and Noir + Barretenberg in the proof path.

DEMO · 10 SECONDS

See how it works in 10 seconds.

The holder keeps the score. The proof carries only the verdict. Once verification closes, the receipt can be audited on Solana devnet without revealing the number.

HOLDER · BR

Private score

The score lives in the passport. It never leaves.

300Score
Required ≥ 650
ZK PROOF

Attestation

384 bytes, 1.2s. Proves "≥ 650", keeps the number private, and in the anchored flow produces a verifiable Solana signature and receipt PDA.

Tx signature
Size
Time
Slot
NetworkSolana devnet
Receipt PDA
VERIFIER · PT

Verdict

The verifier only sees yes or no. Never the score.

waiting…
The verifier receives only the proof.
Verifier knowledge: "score ≥ 650".
Small proof, fast. 384 bytes, ~1.2s. In the anchored flow, the verdict travels with a verifiable Solana signature and receipt PDA.
PRIMITIVE

Groth16 over BN254

~4k-constraint circuit. Trusted multi-party setup. Constant 192B proof + metadata.

ATTESTATION

Issuer-signed credential

Score comes from an approved issuer (e.g. Serasa sandbox) in W3C VC format, Ed25519-signed and committed to an on-chain merkle root.

ANCHORING

Solana devnet

Revocations via nullifier registry. The final receipt can carry a verifiable slot, hash, and signature on Solana devnet.