Why Integrate Localcredit?
Localcredit is more than a credit score. It is a neutral, privacy-first trust primitive designed specifically for the next generation of financial applications. Developers and builders choose Localcredit because it solves one of the hardest problems in finance: establishing reliable, portable reputation without building or maintaining complex infrastructure themselves.Key Reasons to Integrate Localcredit
Instant Access to Under-Collateralized applications Most DeFi lending today is over-collateralized because protocols lack a trusted way to evaluate borrower reliability. Localcredit provides a ready-made, verifiable score that lets you offer unsecured or lightly collateralized loans from day one. This dramatically expands your addressable market.
Privacy-Preserving by Default Users hate sharing sensitive personal data. Localcredit uses zero-knowledge proofs, so your app never needs to collect, store, or manage PII, credit reports, or KYC documents. You get a cryptographically secure trust signal while staying compliant with GDPR, CCPA, and emerging data-protection laws.
Portable, User-Owned Reputation Traditional scores disappear at borders or when users switch apps. Localcredit scores travel with the user across chains, wallets, and platforms. When a user brings their high Localcredit score to your app, they arrive pre-vetted. This reduces onboarding friction and default risk.
Fast Integration, Low Maintenance
Comprehensive SDKs (JavaScript/TypeScript, TON, Solidity/FunC) and REST/on-chain APIs
Interactive documentation with playground and code examples
Pay-per-query or subscription billing via $CREDIT. No upfront infrastructure costs
No need to build scoring models, anti-sybil systems, or oracle networks yourself
Composable and Chain-Agnostic Localcredit works wherever your users are:
Telegram Mini Apps on TON
EVM chains (Ethereum, Polygon, Arbitrum, Base, etc.)
Solana and others via signed proofs You can query scores on-chain for gas-efficient DeFi or off-chain for web/mobile apps.
Seamless User Onboarding Flow If a user doesn’t have a Localcredit score yet, your app can deep-link directly to the official Mini App. The user completes onboarding and returns automatically with their new score ready for you to query. All in minutes.
Transparent and Auditable Every score is backed by public on-chain transactions or ZK proofs. Lenders can verify the integrity of the signal themselves, building immediate trust in your product.
Network Effects and Monetization Opportunities
Report loan outcomes to contribute to model improvement (and potentially earn incentives).
List personalized offers in the Opportunities feed. Reach high-scoring users directly.
As adoption grows, your app benefits from an increasingly accurate and valuable shared reputation layer.
Use Cases Builders Love
Lending protocols: Offer dynamic rates and limits based on score instead of fixed collateral ratios
Marketplaces & freelancing platforms: Extend advances or payment terms to reliable users
Insurance & rentals: Price risk more accurately using behavioral signals
Salary advance / earned wage access: Approve instantly with confidence
Consumer apps: Provide credit cards, BNPL, or micro-loans to crypto-native users
Localcredit lets you focus on building great products while we handle the hard part: creating a fair, private, and universal measure of financial trust. Go from zero to live score queries in under an hour.
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