Institutional-grade credit infrastructure for the modern economy
FreshCredit® Inc is building the commercial infrastructure layer for the future of credit. Our enterprise platform enables providers to deploy agent workflows, credit scoring models, and embedded finance systems at scale. Backed by a federated ecosystem of four independent entities.
The infrastructure providers use to build on every layer of the credit stack
BlockID™ Agent Workflows
Infrastructure for providers to build autonomous agent workflows for identity verification, KYC/AML automation, and portable credential management. Self-sovereign identity where users own and control their data through a self-custody wallet.
- Agent-driven KYC/AML automation
- Self-custody data wallet
- Portable credential system
- Entra Verified ID integration
BlockScore™ Model Builder
Tools and APIs for providers to build their own credit risk models on alternative data, behavioral signals, and real-time financial patterns. Infrastructure for provider-defined scoring with algorithmic transparency.
- Provider-built credit models
- Alternative data pipelines
- Cross-lingual AI agents
- Algorithmic transparency
BlockIQ™ Offers
Embedded finance marketplace infrastructure enabling providers to create, match, and distribute offers. Privacy-preserving transaction execution with automated settlement.
- Embedded offer matching
- Privacy-preserving settlement
- Provider marketplace APIs
- Revenue attribution engine
The FreshCredit App™
Free consumer application providing self-custody credit data, portable identity verification, and credit reporting. Every user can build a FreshCredit Report — consumer or provider. The unified entry point for the full FreshCredit Ecosystem™.
- Self-custody credit data
- Portable identity verification
- Consumer & Provider reports
- DAO governance access
Built for institutions that need trust at the infrastructure level
From traditional payments to digital assets and tokenization—enable users to claim and leverage assets for credit while providers verify consumers and ensure compliance.
Payments & Settlement
End-to-end settlement infrastructure with privacy-preserving execution via the Tiered Ledger Architecture. Circle, Coinbase, and Stripe integrations for fiat and stablecoin rails with automated revenue distribution.
Financial Marketplace Infrastructure
Embedded finance marketplace where providers build and distribute offers through BlockIQ™ matching. MSA-licensed API access with Partner, Provider, and User tiers for scalable integration.
Digital Assets & Tokenization
Credit infrastructure for tokenized assets, stablecoins, and on-chain collateral. Enable users to leverage digital assets for credit while providers verify ownership, compliance, and risk via blockchain-native verification.
Media & Intellectual Property
Agent-driven identity verification and rights management for digital media. BlockID™ workflows automate credential verification and attribution tracking across content distribution networks.
Telecom & Identity
Cross-platform identity infrastructure for telecom providers. Portable credentials, privacy-preserving KYC, and Entra Verified ID integration for seamless subscriber verification at scale.
Healthcare & Insurance
Privacy-preserving identity and credential verification for healthcare payers and insurers. Reduce fraud losses where $5.75 is lost per $1 of fraud with agent-driven eligibility verification and claims processing.
Government & Public Sector
Infrastructure for government-backed financial inclusion programs and public benefit distribution. Edge-held verification aligned with Dodd-Frank §1033, DOJ EO 14117, and ONCD memory-safe mandates.
Digital Assets, Tokenization & Stablecoin Compliance
Enable users to claim and leverage digital assets for credit while providers verify ownership and ensure compliance. Support for tokenized securities, RWA-backed lending, and stablecoin verification with institutional-grade risk assessment.
Built for regulatory scrutiny from day one
Memory-Safe Rust Architecture
Built on a Rust-native stack per the White House ONCD Initiative for memory-safe programming. Edge-held data verification with libSQL/Turso delivering 587x faster reads and data minimization by design.
Privacy-Preserving Execution
Zero-knowledge proofs for transaction verification. Self-custody data wallets ensure users own and control their credit data. Edge storage model eliminates centralized data custody risks.
SOC 2 & PCI DSS Compliance
Automated regulatory reporting, immutable audit trails on Substrate, and policy enforcement at the infrastructure level. GDPR, CCPA, and CalOPPA compliance in progress with applicable banking and fintech licensing requirements.*
Multi-Entity Governance
Four independent entities with distinct oversight functions. No single point of control. The Org provides research ethics review, the DAO provides transparent execution logging, and the Lab maintains infrastructure independence.
* * Compliance certifications in progress. FreshCredit is actively working toward SOC 2, PCI DSS, and full regulatory compliance.
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Become a PartnerFind out how much you're really paying for verification per lead
Legacy verification costs hide in plain sight. Between credit bureau fees, false declines, and abandoned applications, most providers are paying 40% more than they realize.
Calculate Your True CostsWhy am I paying for verifications that don't convert?
You're paying for declined applications. You're paying for abandoned checkouts. FreshCredit absorbs verification costs for non-converting users—you only pay when you transact.
See how risk transfer worksCost calculators for every perspective
Whether you're a consumer looking to save on financial services, a provider analyzing unit economics, a developer comparing infrastructure costs, or a policymaker modeling economic impact—we have a calculator for you.
Consumer Cost Calculator
Calculate how much you could save on identity verification, credit monitoring, and financial services with FreshCredit's free consumer tools.
Provider Cost Calculator
Analyze your true cost per funded loan including verification fees, false declines, abandonment, and synthetic fraud losses.
Developer Cost Calculator
Estimate API costs, infrastructure savings, and time-to-market advantages when building on FreshCredit vs legacy systems.
Economic Impact Calculator
Model macroeconomic effects of universal credit access, fraud reduction, and financial inclusion at scale.
Let's build the future of credit infrastructure
Enterprise & MSA Licensing
Partner, Provider, and User license tiers for BlockID™, BlockScore™, and BlockIQ™ integration.
hello@freshcredit.comDevelopers
API access, SDK documentation, sandbox environments, and agent integration guides.
hello@freshcredit.comPress & Policy
Media inquiries, congressional engagement, regulatory dialogue, and press kit requests.
hello@freshcredit.com