Credence

Sovereign AI credit and yield

Private AI credit on Solana

Credence turns private credit signals into enforceable on-chain loans.

Borrowers get USDC credit without exposing raw financial history. Lenders fund a transparent pool, repayments stream back on-chain, and policy automation keeps wallet actions bounded.

Try borrowingView lending pool

Borrower signal

Private tier proof

Credit model

QVAC local

Borrowing

Proof gated

Collateral

Escrowed

Repayment

Streamed

Repayment streamActive

Borrower funds the stream, then the pool claims accrued repayments over time.

Private credit score

QVAC runs the borrower risk model locally, so raw wallet history does not need to be uploaded to Credence.

Proof-gated borrowing

The app registers a credit-tier proof on Solana and maps the tier to loan limits, collateral, and APR.

Controlled repayment

Repayments go into a stream vault. Privy can automate repayment actions, while on-chain rules bound what can be signed.

Trust model

What the system proves

Credence does not ask lenders to trust a hidden database. The borrower tier, loan state, collateral escrow, and repayment stream are visible on Solana devnet.

Borrowers reveal a tier, not their full financial profile.
Loan, collateral, stream, and pool state live on Solana devnet.
Lenders can see pool liquidity, utilization, and repayment recovery.
If a borrower fails to repay, collateral can move through warning and liquidation.

Borrower

Register a private tier proof, request credit, lock collateral, and fund the repayment stream.

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Lender

Deposit USDC, track utilization, withdraw liquid funds, and route idle capital toward Kamino.

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Analytics

Monitor pool health, credit distribution, repayment progress, and protocol-level activity.

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