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0.69% interest repaid after November 3rd 2025

Connect Wallet

Connect the wallet you had submitted for waitlist

Get scored

We calculate your Cardano credit score (0-100)

borrow

Top scored wallets can borrow from the 1000 ADA pool

What is cardano Credit Score?

We’re tearing up the old DeFi playbook and building a Cardano Credit Score, a wallet reputation engine for the entire Cardano DeFi universe. We start with our own uncollateralized lending protocol, built by Nucast Labs, giving anyone the power to tap liquidity without any collateral.

Then we scale it out, reputation-based loans, governance boosts, DAO-level customizations, all running on an open-source credit scoring algorithm that belongs to the community. It’s not just lending; it’s a new trust layer for Cardano, rewriting how users earn credibility, unlock capital, and steer the future of decentralized finance.

HOW UNCOLLATERALIZED LENDING WORKS

STEP 1

REPUTATION VIA SBT

Your on-chain activity (wallet age, balance, transactions, DAO participation, prior repayments) is scored 0-100 and minted as a non-transferable Soulbound Token.

STEP 2

ELIGIBILITY & TERMS

Smart contracts read your SBT to check thresholds. Higher reputation → better loan amounts and rates.

STEP 3

Repay → score updates

On timely repayment your score improvements; defaults or inactivity reduce it (decay & penalties). The SBT is bound to your wallet and can’t be transferred.

SECURED

ANTI-SYBIL PROTECTIONS

Behavior checks: Abnormal tx frequency & timing.
Financial capacity: Persistent low balances, young wallet age.
Threshold filters and dynamic limits.
Reputation decay and penalty triggers for misuse.