Credit & Lending
Encrypto is building a full-stack lending platform that lets users borrow against their crypto holdings or access credit lines based on their on-chain activity. This isn't DeFi lending with liquidation bots — it's structured credit designed for real people.
The Vision
Your crypto portfolio is an asset. It should work for you the same way a stock portfolio does at a traditional brokerage — as collateral for margin, as the basis for a credit line, as a way to access liquidity without selling.
Today, if you need $5,000 for an emergency, your options are:
- Sell crypto. Creates a tax event, you lose your position, and you miss the upside.
- DeFi lending. Complex, risky, liquidation thresholds that can wipe you out in a volatile market.
- Traditional loan. Doesn't recognize crypto as collateral. Slow, paperwork-heavy.
Encrypto's lending products solve all three problems by offering both collateralized and uncollateralized borrowing with clear terms, no hidden liquidation mechanics, and direct integration with your Encrypto Card.
Products
Crypto-Backed Loans
Borrow USD (credited to your Encrypto Card balance) against your crypto holdings. Simple, transparent, no surprises.
Encrypto Credit Line
An uncollateralized revolving credit line based on your on-chain reputation, transaction history, and account standing.
Why On-Chain Credit Is Better
Traditional credit scoring is broken. It's based on a narrow set of signals (payment history, credit utilization, length of history) that systematically exclude billions of people — especially in emerging markets where formal credit infrastructure doesn't exist.
On-chain data provides a richer, more accurate picture of creditworthiness:
| Signal | Traditional | On-Chain |
|---|---|---|
| Income verification | Pay stubs, tax returns | Wallet inflows, DeFi yields, staking rewards |
| Asset verification | Bank statements | Real-time portfolio valuation |
| Payment history | Credit bureau reports | On-chain loan repayment history |
| Risk behavior | Limited signals | Leverage ratios, liquidation history, protocol usage |
| Geographic coverage | Country-dependent | Global, permissionless |
This is what makes crypto-native lending fundamentally different. We're not just building a faster version of the old system — we're building a system that can underwrite people the old system never could.