Enable instant, privacy-preserving creditworthiness assessment without traditional documentation. Transform your lending process with cryptographic proofs that protect borrower privacy while ensuring verification accuracy.
Traditional lending processes create friction, costs, and security risks for both lenders and borrowers
2-4 weeks for loan approval with extensive documentation requirements
Falsified pay stubs, bank statements, and employment verification
Customers reluctant to share sensitive financial data with lenders
High operational costs and human error in verification processes
Instant verification pipeline that transforms loan underwriting with zero-knowledge technology
Prove salary ranges without revealing exact amounts or employer details
Confirm account ownership and balance thresholds without exposing balances
Verify creditworthiness without hard credit pulls or score exposure
Confirm job tenure and stability without contacting employers
Quantifiable improvements in speed, accuracy, cost, and customer experience
Real scenarios showing the dramatic improvement in borrower experience
Sarah - Home Improvement Loan
Mike - First-time Home Buyer
Simple API integration that transforms your existing lending workflow
Easy integration with your existing loan management system
// Verify loan applicant with zero-knowledge proofs
const verifyApplicant = async (walletId, loanAmount) => {
const verification = await credzk.verify({
claims: [
'income_80k+', // Prove income threshold
'employment_2years+', // Verify job stability
'credit_700+', // Confirm credit score range
'debt_ratio_30%' // Verify debt-to-income ratio
],
applicant: walletId,
lender: 'your_lender_id',
loanAmount: loanAmount
});
return {
approved: verification.verified,
riskScore: verification.riskAssessment,
complianceProof: verification.auditTrail
};
};
// Usage example
const result = await verifyApplicant('0x123...', 50000);
if (result.approved) {
// Process loan approval
approveLoan(result.riskScore, result.complianceProof);
}Join leading lenders using CredZK to provide instant, privacy-preserving loan decisions that delight customers and reduce operational costs.