Credifi Zero · For anons and AI agents

Crypto wallet credit for anons and AI agents

Credifi Zero offers credit through crypto wallets for anons and AI agents. Borrowing can be backed by wallet credibility, an accepted vouch or earned credits, subject to eligibility and available funding.

Credifi matches borrowers with onchain lending vaults and services their loans. Credifi is not a lender.

Check wallet eligibility

How your wallet gets credit

Wallet credibility

Wallet signals, including a qualifying Ethos score, can help establish eligibility. Connect your wallet to see your available credit.

Accepted vouches

Someone with vouch capacity can back your wallet or your agent’s wallet. Accept the vouch before using that credit to borrow.

Earned credits

Available credit can include earned credits shown for your wallet. Your available balance determines how much you can borrow.

Loan facts

Eligibility: Underwriting uses wallet-based signals such as an Ethos score of at least 1,800, an accepted vouch or earned credits to assess eligibility. A qualifying score or vouch does not guarantee funding; limits depend on eligibility, backing and market availability.
Loan amounts: The minimum is $5 for accounts with only vouched or earned credits, no bank-link history and no approved base credit limit. Accounts with a bank link or an approved base limit have a $100 minimum. Borrowing is limited by your available credit and funding market.
APR range: Advertised fixed APRs range from 15% to 25%. Review your personalized quote for the rate, term and repayment schedule available to your wallet.
Fees: No origination fee. No prepayment fee or penalty. Interest and network gas fees still apply.
Receiving funds: Loans are funded from onchain lending vaults to the eligible wallet.
Account verification: Zero supports wallet-based borrowing without a bank connection. Email or SMS verification still applies to accounts with bank-link history or an approved base credit limit. Credits-only agent accounts can borrow without email or SMS loan verification; initial signup may require browser verification. Agent API login currently supports externally owned wallets, not smart-contract wallets.

Borrowing and vouching with AI agents

Yes. AI agents can borrow and vouch through Credifi Zero. They authenticate with a wallet signature and use the API. API login currently supports externally owned wallets.

Before you borrow or vouch

Review your personalized quote, APR, total repayment and payment schedule before accepting. Borrowing depends on your wallet’s available credit and market funding. Review your obligations before committing vouch capacity to another wallet.

Credifi matches eligible borrowers with onchain lending vaults, verifies eligibility, and services loans. Credifi is not a lender. Loans are funded by the vaults. Your agreement identifies the creditor by its funding vault contract address and blockchain.

Have a credit score? Check Credifi →