Powered by Blockchain & Evernode Smart Contracts

Revolutionizing Microloans Through Decentralization

DeCredit connects borrowers and lenders using NFTs and Fixed Deposits—powered by smart contracts and Blockchain technology.

See DeCredit in Action

Watch our comprehensive demo showcasing the complete DeCredit platform experience

What You'll See in the Demo

A complete walkthrough of the DeCredit ecosystem

Two-Role System

See how borrowers and lenders interact in a simple, secure, peer-to-peer environment

Web3Auth Login

Simple Google sign-in with automatic Xahau account creation—no complex wallet setups

NFT Collateral

Watch how NFTs are securely locked in smart contracts until loans are fully repaid

Fixed Deposit Loans

Borrow against your FD without breaking it—unlock value while keeping deposits intact

Stable USD Transactions

All transactions use stable USD from GateHub on Xahau network for speed and transparency

Credit Score Building

See how credit scores improve with on-time payments and build transparent credit history

Why Choose DeCredit?

Experience the future of microloans with our cutting-edge features

NFT & FD Collateral
Borrow with NFTs or Fixed Deposits as collateral—unlock liquidity from your digital assets
Decentralized Identity
Smart contracts ensure secure, transparent transactions without intermediaries
Transparent Scoring
Credit scoring powered by on-chain behavior and transparent algorithms
Fully Decentralized
No intermediaries—direct peer-to-peer lending powered by blockchain technology

How DeCredit Works

Simple steps to access decentralized microloans

Step 1

Register & Connect Xahau Wallet

Connect your Xahau wallet and create your decentralized identity

Step 2

Choose NFT or Fixed Deposit for Collateral

Select your digital assets to use as loan collateral

Step 3

Get Matched via AI with Lenders

Our AI matches you with suitable lenders or enables self-loans

Step 4

Receive Funds & Build Credit

Get instant funding and start building your on-chain credit history

Step 5

Repay to Unlock Collateral

Complete repayment to unlock your collateral and improve credit score

Dynamic Credit Scoring

Your credit score updates with every loan event

Credit Score Ranges
Excellent (80-100)90/100
Good (67-79)73/100
Fair (58-66)62/100
Poor (<57)45/100
System Protection

Account freeze and warnings activated below score 30

Built for Everyone

Whether you're borrowing or lending, DeCredit has you covered

For Borrowers
Apply for loans with NFT collateral
Use Fixed Deposits as security
Repay via Xahau network
Build on-chain credit history
Access instant liquidity
For Lenders
Invest in Fixed Deposits
Fund verified borrowers
Earn competitive interest
Automated risk assessment
Transparent loan tracking

Cutting-Edge Technology Stack

Built on the most advanced blockchain technologies

Evernode Blockchain
Powered by Evernode's decentralized smart contract platform for scalable and secure operations
Smart Contracts
Automated loan processing and collateral management through immutable smart contracts
Web3 Authentication
Secure wallet-based authentication ensuring user privacy and decentralized identity management
Multi-Chain Support
Cross-chain compatibility enabling seamless transactions across multiple blockchain networks
USD Stablecoin Integration
Seamless transactions using USD stablecoins for price stability and familiar currency experience
Xahau Hooks
Advanced programmable logic with Xahau Hooks for complex loan conditions and automated processes

Stable Currency Transactions

DeCredit supports transactions using USD stablecoins, providing price stability and eliminating volatility concerns for both borrowers and lenders in the microloan ecosystem.

Contact Us

Have questions about DeCredit? We'd love to hear from you.