On-chain credit, built on Stellar

Borrow on your reputation.
Earn on your idle cash.

Three ways in, one pool. Your credit is scored from public chain activity and recorded on-chain — no bureau, no paperwork. Browse the rates below; connect a wallet when you want to act.

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Priced from your score

Credit line

Borrow on your credit score

An unsecured line priced from your on-chain score. Repay on time and it grows, automatically.

Check eligibility →

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Against DeFindex / LP tokens

up to 75%

Borrow on collateral

Pledge DeFindex vault or LP tokens, draw USDC — and your collateral keeps earning yield while it's locked.

Lend USDC to earn

Deposit USDC to earn loan interest plus DeFindex vault yield — and your deposit doubles as collateral for a secured line.

Start earning →

Markets

live testnet · no wallet needed to browse

Lend USDC → pool—

Collateral line (DeFindex USDC vault)up to 75% advance

Pool liquidity—

Idle invested in DeFindex vault—

Off-chain underwriting

coming soon

Connect verified off-chain income — gig earnings, bank cash flow and more — blended with your on-chain score, so a thin history isn't the ceiling.