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.
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Products
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- Decentralized identity verification
- KYC/AML compliance automation
- Biometric authentication
- Document verification
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- Blockchain-based credit scoring
- Alternative data integration
- Real-time risk assessment
- Custom scoring models
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- AI-powered risk analysis
- Fraud detection algorithms
- Predictive analytics
- Behavioral pattern recognition
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The FreshCredit App gives consumers a single place to apply for credit, manage their credentials, and track their credit health across providers.
- Mobile credit application
- Digital wallet integration
- Credit marketplace access
- Real-time notifications
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.
Interested in partnering with FreshCredit?
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 CostsExplore Solutions
Discover how FreshCredit can transform your credit infrastructure.
View SolutionsCost 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.
Get in touch
Enterprise
For large organizations and institutions seeking custom credit infrastructure solutions.
enterprise@freshcredit.comDevelopers
API support, documentation, and technical integration assistance.
developers@freshcredit.com