Portable CreditInfrastructurefor the Open Economy
CreditRails reads on-chain Stellar activity and converts it into a verifiable credit profile — one that users carry across every application.
No SSN · No bank account · No credit history required
CreditRailsW3C Credential Issued
did:stellar:GBZX…4K9P
Four steps to your credit profile
From wallet connection to a portable W3C credential in seconds.
Connect Wallet
Link your Stellar wallet. CreditRails reads your on-chain history — no personal data required.
Index Activity
Our indexer streams your payroll, remittances, savings patterns, and payment frequency from Horizon.
Score Generated
The scoring engine weighs behavioral signals and produces a credit score with a risk tier.
Credential Issued
A W3C Verifiable Credential is signed to your wallet. You own it. Share it anywhere, anytime.
Everything lenders need. Nothing they shouldn't.
CreditRails is built as modular infrastructure. Each layer is independently useful and composable together.
Real-Time Stellar Indexing
Every transaction on your Stellar wallet is streamed, parsed, and categorized — payroll, savings, remittances, and payments — feeding a continuously updated financial model.
Behavioral Credit Scoring
A weighted model analyzes payment consistency, remittance regularity, savings growth, and wallet age. The result: a credit score, risk tier, and lending eligibility flag.
W3C Verifiable Credentials
A signed W3C Verifiable Credential is issued to your Stellar wallet DID. You control it — present it to any lender, revoke it at any time.
Open Credit API
Drop-in credit layer for any Stellar app. Key-authenticated endpoints return scores, credentials, and verification results with sub-second latency.
{
"score": 742,
"tier": "B",
"eligible": true,
"credential_url": "did:stellar:GBZX…"
}
Credit that works for everyone
Portable, private, and built on open standards — your credit profile belongs to you, not a database.
CreditRails powers on-chain credit across Stellar
With one wallet connect, users get a portable credit score that works across every Stellar-native app — no forms, no bank statements.
450 XLM
Payroll
12.5 XLM
Payment
1,200 XLM
Remittance
38 XLM
DeFi swap
90 XLM
Savings
5 XLM
Fee
750 XLM
Payroll
200 XLM
Transfer
450 XLM
Payroll
12.5 XLM
Payment
1,200 XLM
Remittance
38 XLM
DeFi swap
90 XLM
Savings
5 XLM
Fee
750 XLM
Payroll
200 XLM
Transfer
User-owned credentials.
W3C Credential
did:stellar:GBZX…4K9P
Build credit-aware apps with the CreditRails SDK
One API call returns a score, risk tier, and W3C verifiable credential — ready for any Stellar lending or payments app.
Read the docs →Your credit profile,
on-chain and yours.
Connect your Stellar wallet and get a verifiable credit score in seconds — no documents, no banks, no gatekeepers.