For Investors

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.

Enterprise Security

Global Infrastructure

Embedded Finance

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Products /

The infrastructure providers use to build on every layer of the credit stack

BlockID™ Agent Workflows

Identity

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

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BlockScore™ Model Builder

Credit

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

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BlockIQ™ Marketplace Offers

Marketplace

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

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The FreshCredit App™

Consumer

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

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Solutions /

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.

Settlement finalityMulti-rail supportAutomated distribution

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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.

Embedded offersMSA licensing tiersProvider APIs

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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.

Rights verificationAttribution trackingAgent automation

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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.

Portable credentialsSubscriber verificationCross-platform KYC

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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.

Eligibility verificationClaims automationFraud reduction

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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.

Benefits distributionPolicy complianceFinancial inclusion

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Plans /

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™

Free

No cost, ever

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

Launch App

Provider

Transaction-based

% of successful transactions

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

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Partner

Custom

MSA licensing agreement

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

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vs Legacy Infrastructure

Tri-merge credit pull$50–$110 per pullTransaction-based

Fraud loss multiplier$5.75 per $1 fraudEdge-verified prevention

Checkout abandonment~70% drop-off rate18% conversion lift

Report error rate44% have ≥1 errorRecover ~13% of applicants

FAQ /

Frequently asked questions

Security & Trust /

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.

Ecosystem & Partnerships /

Startup Programs