Trust-based credit and identity infrastructure
FreshCredit® provides the infrastructure for providers to build agent workflows, credit scoring models, and embedded finance marketplace systems -- backed by the FreshCredit Ecosystem™, a federation 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. 25% predictive lift over traditional bureaus. Cross-lingual financial AI agents supporting 2,400+ languages for global credit decisioning.
- Provider-built credit models
- Alternative data pipelines
- Cross-lingual AI agents
- Algorithmic transparency
BlockIQ™ Marketplace Offers
Embedded finance marketplace infrastructure enabling providers to create, match, and distribute offers. Privacy-preserving transaction execution on the Tiered Ledger Architecture 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
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.
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.
Free for consumers. Transaction-based for providers.
The FreshCredit App™ is free. Providers only pay a percentage of successful transactions — no upfront licensing, no per-seat costs. Legacy tri-merge credit pulls cost $50–$110 each. We are 286× cheaper, 90× faster, and recover ~13% of qualified applicants previously lost to errors.
The FreshCredit App™
Self-custody credit data, portable identity, free credit reporting, and DAO governance access for consumers.
- Self-custody credit data wallet
- Portable identity verification
- Free credit reporting
- DAO governance participation
- BlockID™ credential management
Provider
Build credit models, offer matching, and agent workflows on FreshCredit® infrastructure. Only pay when value is delivered.
- BlockScore™ Model Builder API
- BlockIQ™ Marketplace integration
- BlockID™ Agent Workflows
- Sandbox & production environments
- Revenue attribution engine
- 286× cheaper than legacy bureau systems
- Recover ~13% of applicants lost to errors
Partner
Enterprise-grade access with dedicated infrastructure, SLAs, and co-development. For institutions operating at scale.
- Dedicated infrastructure tier
- Custom SLA agreements
- White-label capabilities
- Priority API access & support
- Co-development opportunities
- Full FreshCredit Ecosystem™ access
Four entities. One integrated stack.
The Inc integrates. The Lab builds. The Org approves. The DAO deploys. Each entity owns a distinct function in a single continuous pipeline.
The commercial infrastructure layer and primary application home. BlockID, BlockScore, and BlockIQ are licensed, integrated, and deployed at scale. MSA licensing tiers, enterprise partnerships, and the consumer app (app.freshcredit.com) are operated here.
Maintains the Rust-based edge infrastructure, libSQL/Turso deployments, and Polkadot SDK integrations. Memory-safe architecture per the ONCD Initiative. Hosts BlockID verification nodes, BlockScore computation infrastructure, and the BlockIQ matching engine.
Creates scientific methodologies for agent workflows, open-source credit scoring standards, and governance frameworks. Research ethics oversight of the execution layer. Publishes whitepapers on privacy-preserving computation and algorithmic transparency.
Privacy-preserving transaction execution via zero-knowledge proofs, transparent audit logging on immutable Substrate records, and settlement finality via the Tiered Ledger Architecture. Governance participation occurs through the app interface at app.freshcredit.com.
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 compliant 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.
Google for Startups
Microsoft for Startups
IBM for Startups
Plaid
LinkedIn
Apple
XMicrosoft ISV
Circle
Coinbase
Stripe
Polkadot
Turso
Fenwick
CooleyApple DeveloperStructured engagement across policy, government, and enterprise
Congressional & Senate Engagement
Direct testimony and structured briefings with legislative bodies on credit reform, AI agent regulation, and financial inclusion infrastructure.
Regulatory Coordination
Ongoing dialogue with financial regulators on SOC 2, PCI DSS compliance, AML/KYC policy, and the Customer Identification Program.
Enterprise BD & Integration
275+ years combined team experience across financial services, technology, and regulatory affairs. Structured enterprise onboarding via the Master Licensing & Services Agreement.
Open Standards & Research
Collaboration with The FreshCredit® Org on agent workflow research, algorithmic transparency, and open-source credit scoring methodologies. Cross-lingual AI agents spanning 2,400+ languages.
Testified before Special Committees 4 times on identity, blockchain, autonomous organizations, and stablecoins.
Briefed U.S. Senators in Washington, D.C.
Participated in dialogue involving the White House.
Engaged at DC summits on global credit systems. Shaping a potential pilot for new types of credit infrastructure.
Worked with executives from Fortune 50 companies on innovation in AI, data, and identity.
Engaged with ambassadors from dozens of countries on credit, identity, and emerging technologies.
Submitted public comments on digital assets, identity, and tokenization.
Submitted public comments on digital asset regulation and identity frameworks.
Worked with local and federal representatives in Washington state and the City of Bellevue.
Round table discussions on blockchain technology applications in D.C.
Collaborated with institutions including Stanford, Harvard, and UC Berkeley. Participated in Stanford Demo Day.
Select mentions and affiliations across finance, policy, and digital rights.
Featured coverage of FreshCredit® and decentralized credit infrastructure.
Coverage of emerging fintech and identity technology developments.
Recognized as an advocate for responsible digital asset policy.
Supporting digital rights, privacy, and open technology infrastructure.
Frequently asked questions
Let's build the future of credit infrastructure
Enterprise & MSA Licensing
Partner, Provider, and User license tiers for BlockID™, BlockScore™, and BlockIQ™ integration.
partnerships@freshcredit.comDevelopers
API access, SDK documentation, sandbox environments, and agent integration guides.
developers@freshcredit.comPress & Policy
Media inquiries, congressional engagement, regulatory dialogue, and press kit requests.
press@freshcredit.com