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Creating a Wallet-Linked Identity

Creating a Wallet-Linked Identity

Credie doesn’t rely on KYC. Instead, we generate decentralized trust fingerprints using:

  • Wallet metadata (transaction history, token holdings)

  • Device-level signals (browser fingerprint, usage patterns)

  • Social graph connections (optional: ENS, Lens, Farcaster)

Every participant is issued a Credie Passport, a privacy-preserving identity artifact used by our credit engine.

    A[User Wallet] --> B[Device Fingerprint]
    A --> C[Behavioral Signal API]
    B --> D[Credie Passport]
    C --> D

2. Joining the Waitlist and Network Access

Since Credie is in early access, users must request entry via credie.org. Once approved, they’ll receive:

  • A temporary borrowing quota

  • A risk buffer rating

  • Optional beta tester badge (for higher tier access)

Early access tiers:

  • Tier 1: Borrower only

  • Tier 2: Borrower + Lender

  • Tier 3: Borrower + Governance Voter

3. User Roles in the Credie Ecosystem

Credie is a mesh of dynamic participants. At launch, users fall into these roles:

Role
Function
Rewards

Borrower

Receives microloans via the credit mesh

Credit access

Lender

Stakes liquidity into pooled lending nodes

Yield from repayments

Signal Agent

Provides off-chain data & verifications

Staking + verification fees

This structure will evolve as reputation systems and synthetic underwriters come online.

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