Cred Protocol
Cred Protocol provides on-chain credit scoring, reporting, and monitoring APIs for 300M+ EVM addresses across 10 blockchains, serving DeFi lending protocols, crypto wallets, and AI agents needing reputation intelligence.
- Company typePrivate
- Founded2021
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Cred Protocol does
Cred Protocol provides on-chain credit intelligence infrastructure for decentralized finance and crypto-native applications. Founded in 2021 and headquartered in San Francisco, the company operates the Andromeda credit scoring model, which assigns a 300-1000 risk score to 300M+ EVM addresses by analyzing lending history, repayment behavior, asset holdings, protocol diversity, wallet age, and activity patterns across 10 blockchains (Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche, BNB Chain, Celo, Scroll, Linea) and 30+ lending protocols including Aave, Compound, Morpho, Spark, and Uniswap. The platform exposes credit scoring, reporting, monitoring, identity attestations, and sybil detection as APIs and middleware, with first-party customers including MetaMask, Celo, imToken, Valora, Teller, Atlendis, Quadrata, Krebit, 3Jane, Masa, and Arweave.
Cred Protocol firmographics
Firmographics- Name
- Cred Protocol
- Legal name
- Cred Protocol Inc.
- Website
- https://credprotocol.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cred Protocol provides on-chain credit scoring, reporting, and monitoring APIs for 300M+ EVM addresses across 10 blockchains, serving DeFi lending protocols, crypto wallets, and AI agents needing reputation intelligence.
- Ownership category
- akta.pro rank
Cred Protocol industry classification
Industry- Product category
- DeFi Credit Infrastructure
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)
- akta.pro primary industry
- Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers) (FSAPAEAI)
- akta.pro secondary industries
- Lending Protocol Infrastructure (Oracles, Rate Models, Vaults) (FSADAFAN), Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
Keywords
Where Cred Protocol is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Cred Protocol business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- API Usage (Cred Units): Usage-based pricing measured in Cred Units (CUs). Each API endpoint consumes CUs based on computational complexity: Basic queries cost 1-2 CU, Standard Reports cost 3-5 CU, Comprehensive Reports cost 7-10 CU. Pay-per-request option starting at $0.01 per credit score via x402 protocol with no subscription required.
- Subscription Plans: Three-tier subscription model: Free (1,000 Cred Units/month), Pro ($249/month for 50,000 Cred Units), and Enterprise (unlimited Cred Units with custom pricing). Subscriptions provide monthly credit allocations versus pay-per-request micropayments.
- Custom Analytics Services: Hands-on analytics services including custom on-chain data analysis, data pipeline design and implementation, airdrop filtering and qualification, and custom scoring model development. Professional services engagements for enterprise clients with specific requirements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier with 1,000 monthly Cred Units for sandbox testing and limited production usage |
| Subscription | Monthly | Pro subscription at $249/month with 50,000 Cred Units |
| Subscription | Multi-year contract | Enterprise tier with unlimited Cred Units and custom pricing |
| Usage-based | Pay-as-you-go | Pay-per-request at $0.01 per credit score via x402 protocol |
| Other | Multi-year contract | Custom analytics services for enterprise clients with specific requirements |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Cred Protocol product offering
Product offeringCore offering
Cred Protocol provides on-chain credit intelligence APIs that score 300M+ EVM addresses across 10 blockchains and 30+ lending protocols, quantifying probability of loan liquidation, default, or delinquency. Its core offering comprises Credit Scoring (Cred Score 300-1000), Credit Reporting (multi-chain financial reports), and Credit Monitoring (real-time webhook alerts), extended by MCP services for AI agents and a custom analytics practice. Customers access the platform through REST APIs, SDKs, framework middleware, and machine payment protocols (x402, MPP, Stripe).
Product overview
Cred Protocol is a unified on-chain credit intelligence platform providing APIs for credit scoring, credit reporting, and credit monitoring across 10 EVM blockchains. The core offering consists of Credit Scoring (Cred Score 300-1000), Credit Reporting (multi-chain financial reports), and Credit Monitoring (real-time webhooks), supported by Developer Portal documentation and API Playground. MCP Services extends capabilities to AI agents with 21 tools for autonomous reputation assessment. Trust Evaluation API provides gated access control with trust tiers. SDKs in TypeScript and Python with framework middleware (Hono, Express, Next.js, FastAPI) enable drop-in integration. The platform supports x402 and MPP micropayment protocols for pay-per-request access.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Scoring API delivering industry-standard 300-1000 Cred Scores quantifying probability of loan liquidation, default, or delinquency for 300M+ EVM addresses across 10 blockchains, covering borrowers and non-borrowers based on on-chain behavior.
- Credit Reporting Comprehensive multi-chain credit reports aggregating assets, DeFi positions, transaction history, debt-to-collateral ratios, identity attestations, risk indicators, relationship mapping, and transaction graph analysis across 10 blockchains and 30+ lending protocols.
- Credit Monitoring Webhook-based real-time monitoring API delivering alerts for score changes, liquidations, defaults, delinquency, health factor warnings, collateral changes, large transfers, and new protocol interactions with sub-second alert latency and 24/7 monitoring.
- MCP Services Model Context Protocol service exposing 21 tools for AI agents to access credit scoring, identity verification, sybil detection, financial reporting, and ERC-8004 agent reputation registry; accessible from Claude Code, Cursor, Claude Desktop, or any MCP-compatible client.
- API Playground Self-service web interface enabling instant API requests without account signup, supporting pay-per-request via x402, MPP (Tempo/Stripe), and free plan with 1,000 monthly credits.
- Cred Score Dashboard Public wallet score lookup tool enabling users to view their free crypto credit score (0-1000), understand score factors, receive personalized recommendations, and access partner DeFi protocols to build credit history.
- Custom Analytics Services Professional services engagement for custom on-chain data analysis, data pipeline design and implementation, airdrop filtering and qualification, user segmentation, wallet profiling, behavioral analysis, and custom scoring model development.
Quantifiable outcome
- 90% reduction in underwriting time reported by clients using automated risk assessment
- +1 more outcomes
Companies that use Cred Protocol
Customer profileNamed customers11 records
Segments5 records
Ideal customer profiles4 records
Cred Protocol technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration21 records
AI capability6 records
Feature10 records
Cred Protocol partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and flagship.
- StripecoreStripe processes x402 machine-to-machine payments on the merchant side, handling crypto deposit addresses, PaymentIntents, and on-chain settlement for Cred Protocol API services. Supports USDC on Base, Solana, and Tempo. Provides enterprise-grade compliance and audit infrastructure.
- QuadrataflagshipPartnership combining on-chain credit scoring with decentralized identity. Enables enhanced scoring with identity signals as optional boosters, credential issuance for Cred Scores, and cross-protocol trust through portable reputation. Users with Quadrata passport can boost their Cred Score with identity verification.
- KrebitcorePartnership where Krebit issues verifiable credentials for accounts that have a Good or greater credit score on Cred Protocol platform. Enables users to leverage their on-chain creditworthiness for identity verification.
- Coinbase CDPcoreFacilitator layer for x402 machine-to-machine payments. Coinbase CDP coordinates payment authorization between AI agents and API providers, enabling autonomous stablecoin micropayments for credit data access.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Cred Protocol competitors and assessment
Company assessmentOthers
- The Graph: Decentralized indexing protocol for blockchain data, providing GraphQL APIs over on-chain data. The Graph is an enabling infrastructure layer that powers many on-chain analytics products in the same ecosystem Cred Protocol serves.
Emerging players
- Dune Analytics: Community-driven blockchain analytics platform with SQL-based dashboards across multiple chains. Dune overlaps with Cred Protocol in multi-chain data analysis, though it is more query-based than credit-scoring-focused.
- Arkham Intelligence: Blockchain analytics platform that provides wallet attribution, entity labeling, and on-chain intelligence. While focused on attribution rather than credit, Arkham overlaps with Cred Protocol's transaction graph, identity, and counterparty analytics use cases.
Direct peers
- Spectral Finance: On-chain credit scoring and under-collateralized lending infrastructure for wallets. Spectral directly competes with Cred Protocol by assigning credit scores to Ethereum wallets and building lending products on top of the scores.
- Gitcoin Passport: Decentralized identity and sybil-resistance protocol that issues humanity verification stamps. Gitcoin Passport directly competes with Cred Protocol's identity attestation and sybil detection capabilities, particularly for DAO and airdrop use cases.
- Quadrata: Decentralized identity protocol for Web3 that issues on-chain credit and identity credentials. Quadrata is Cred Protocol's most direct peer — both compete in on-chain reputation infrastructure and even partner, but each offers overlapping identity and credit scoring capabilities to similar DeFi and wallet customers.
- Bloom Protocol: One of the early on-chain credit and identity scoring protocols. Bloom offers wallet-based credit assessment and identity verification on Ethereum, placing it in the same on-chain credit bureau category as Cred Protocol.
Broad incumbents
- TRM Labs: Blockchain intelligence company focused on fraud detection, AML, and crypto compliance. TRM Labs serves financial institutions and offers risk scoring that overlaps with Cred Protocol's sybil detection and risk assessment capabilities.
- Chainalysis: Dominant blockchain analytics and compliance platform serving institutions and governments. Chainalysis provides deep on-chain data and risk scoring but at a much broader, compliance-focused scale rather than DeFi credit scoring.
- Nansen: Blockchain analytics platform providing wallet labeling, transaction tracking, and smart money insights. Nansen's wallet profiling and on-chain dashboards overlap with Cred Protocol's reporting and transaction graph features.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Cred Protocol social profiles
Digital presenceCred Protocol compliance and trust
Trust signalCompliance2 records
Cred Protocol financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cred Protocol leadership team
Management profileNumber of profiles
Profiles1 record
Cred Protocol funding detail
Funding detailFunding overview
Funding rounds2 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cred Protocol M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cred Protocol
What does Cred Protocol do?
Cred Protocol provides on-chain credit intelligence APIs that score 300M+ EVM addresses across 10 blockchains and 30+ lending protocols, quantifying probability of loan liquidation, default, or delinquency. Its core offering comprises Credit Scoring (Cred Score 300-1000), Credit Reporting (multi-chain financial reports), and Credit Monitoring (real-time webhook alerts), extended by MCP services for AI agents and a custom analytics practice. Customers access the platform through REST APIs, SDKs, framework middleware, and machine payment protocols (x402, MPP, Stripe).
Is Cred Protocol a public or private company?
Cred Protocol is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cred Protocol founded?
Cred Protocol was founded in 2021. It employs 1 to 10 people.
Where is Cred Protocol based?
Cred Protocol is headquartered in San Francisco, United States, in the North America region.
How does Cred Protocol make money?
Three revenue lines are on record. API Usage (Cred Units) is the primary driver. The others are subscription Plans and custom Analytics Services.
Who are Cred Protocol's main competitors?
The Graph is listed as an others. Emerging players are Dune Analytics and Arkham Intelligence. Direct peers are Spectral Finance, Gitcoin Passport, Quadrata and Bloom Protocol. Broad incumbents are TRM Labs, Chainalysis and Nansen.
Does Cred Protocol have an API?
Yes. Cred Protocol offers a REST API at https://api.credprotocol.com providing credit scoring, credit reporting, identity verification, and agent reputation endpoints. The API supports authentication via Bearer token (API key) or x402 payment protocol for pay-per-request micropayments. SDKs available for TypeScript/JavaScript and Python. Middleware packages available for Hono, Express, Next.js, and FastAPI. MCP (Model Context Protocol) services provide 21 tools for AI agents to access credit scoring, financial reporting, identity attestations, and ERC-8004 agent reputation data. Free sandbox environment available with 1,000 monthly Cred Units on free plan. Developer documentation is at docs.credprotocol.com.
What industry is Cred Protocol in?
Cred Protocol's product category is DeFi Credit Infrastructure. Its primary akta.pro industry code is FSAPAEAI, Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers), with a secondary code of FSADAFAN, Lending Protocol Infrastructure (Oracles, Rate Models, Vaults). Its NAICS code is 561450 and its SIC code is 7320.