Core Architecture
Multi-Chain Supply.
Unified Credit Engine.
PAS Markets
Isolated borrow/lend markets for native Polkadot assets. Dynamic LTV up to 85%, real floating APY.
Flashloan Shield
Manipulation-resistant v5 interest accrual. Protects the protocol from single-block price manipulation and flashloan attacks.
XCM Deposits
Bridge PAS from People Chain via native XCM.
ETH Bridge
Bring liquidity from 5 different EVM chains into Polkadot Asset Hub. Minted 1:1 on-chain.
Governance Rewards
Vote on Asset Hub governance and earn score multipliers. Consistency unlocks higher tiers permanently.
mUSDC Markets
Bridged EVM USDC pools with real-time yield.
KredioSwap
Swap PAS, mUSDC and lending positions atomically.
Identity Boost
On-chain proofs permanently raise starting score. Leverage KILT and identity providers to exit the Anon tier immediately.
The Path to Diamond
Climb the Ladder.
Unlock Capital.
Kredio replaces fragmented identity with a unified on-chain reputation. Start at Anon with basic terms. Prove your reliability through repayments and governance. Unlock institutional-grade liquidity at Diamond.
6
Tiers
85%
Max LTV
3%
Base Rate
0 SCORE REQUIRED
Max LTV
50%
Borrow Rate
12%
100 SCORE REQUIRED
Max LTV
60%
Borrow Rate
10%
500 SCORE REQUIRED
Max LTV
70%
Borrow Rate
8%
2,000 SCORE REQUIRED
Max LTV
78%
Borrow Rate
6.5%
10,000 SCORE REQUIRED
Max LTV
83%
Borrow Rate
5%
50,000 SCORE REQUIRED
Max LTV
85%
Borrow Rate
3%