How Credent works

Credit sized to revenue a business can prove, priced by the lenders who take the risk, and recorded where anyone can audit it.

1Prove

Show revenue without showing your books.

Connect Stripe through a zkTLS notary, upload signed payment receipts, or start with a demo business. A Noir circuit proves one statement: 90-day revenue is at least a threshold you choose. The daily figures never leave you.

Revenue proofExample
90 days ago daily figures stay with the businesstoday
What the lender receives
Revenue ≥ $240,000
Proof verifiesNotary signature valid
2Apply

Pick a pool whose terms fit.

Lender companies run their own pools with published terms: APR, advance rate, term, minimum proven revenue. You apply with your proof; the pool manager approves or declines. Accept the terms with a wallet signature and the cUSD lands in your wallet.

ApplicationExample
Working capital pool
Request $60,000
In review
Proven revenue
≥ $240,000
Advance
25% of proven
Borrower APR
16.0%
Term
12 weeks
The pool manager sees the proof and your company profile, never your books.
3Sweep

Repay from revenue, automatically.

Customer payments flow through a lockbox. Each week's installment is paid first; everything above it is released to you. No invoices to chase and no missed-payment surprises.

Lockbox, this weekExample
    Weekly installment$0 / $5,400
    Released to the business$0

    Payments fill the installment first.

    4Waterfall

    Lenders are paid in a published order.

    Interest pays the protocol fee, then the senior tranche's fixed coupon, then junior. If a loan defaults, junior absorbs the loss first. Every step is a public ledger entry anchored to Solana.

    Weekly settlementExample
    Interest collected$1,000
    Protocol fee$50
    Senior coupon$610
    Junior residual$340
    Default loss$3,000
    Junior absorbs$3,000
    Senior absorbs$0

    Every line above is a ledger entry. Anyone can recompute it from the public book.

    Who does what

    Business

    1. 1Signs up, verifies email and creates a borrower company.
    2. 2Connects a revenue source: Stripe (test mode), signed receipts, or the demo business.
    3. 3Generates a revenue proof for a threshold it chooses.
    4. 4Applies to a pool, signs the terms with its wallet and receives cUSD.
    5. 5Repays automatically as customer payments pass through the lockbox; withdraws the remainder.

    Lender company

    1. 1Creates a pool: target size, senior coupon, borrower APR, advance rate, term, minimum proven revenue.
    2. 2Funds the junior tranche first, then raises senior up to 4x junior.
    3. 3Reviews applications: the proof, the company profile and its Credent track record.
    4. 4Earns the coupon (senior) or the residual (junior) each week; withdraws from available cash.

    Anyone

    1. 1Reads every pool's capital stack, loan book and NAV history.
    2. 2Recomputes the ledger's hash chain and checks block anchors on Solana.
    3. 3Re-verifies any revenue proof, or downloads it to verify offline.
    4. 4Compares each pool's on-chain vault balance with its book.
    Create an accountRead the docs