Enable crypto-backed lending without custody risk. Accredifi provides cryptographic proof of ownership and balance verification for stablecoin collateral loans and digital asset underwriting.
Traditional proof-of-funds processes weren't built for self-custodied digital assets. Screenshots can be faked. Exchange statements don't cover cold storage. And requiring custody introduces counterparty risk.
Wallet screenshots and balance images can be manipulated. Manual verification is time-consuming and still leaves room for fraud.
Requiring borrowers to transfer assets introduces custody risk, operational complexity, and regulatory burden for lenders.
One-time verification doesn't capture collateral movements. Funds can be moved immediately after verification without detection.
Accredifi enables lenders to verify crypto proof of funds for loans using cryptographic signatures. Validate ownership and balances without ever touching the underlying assets.
Borrowers sign a unique challenge with their private key, cryptographically proving they control the wallet. No private keys are ever shared or exposed.
Query on-chain data to confirm actual holdings at the moment of verification. No reliance on self-reported balances or third-party statements.
Each verification is timestamped and cryptographically signed. Set up recurring verification to monitor collateral throughout the loan lifecycle.
Accredifi is verification infrastructure, not a custodian. Borrowers retain complete control of their private keys and assets throughout the verification process.
Integrate crypto collateral verification directly into your lending platform. API-first design means you can automate verification requests, receive real-time updates, and embed proofs into your existing systems.
Accredifi uses cryptographic proofs to verify wallet ownership and balances. The borrower signs a message with their private key, proving control of the wallet, while our system queries on-chain data to confirm balances. At no point do funds move or does Accredifi take custody.
We currently support Bitcoin (BTC) and Ethereum (ETH), including ERC-20 tokens such as USDC, USDT, and DAI. Support for additional chains and assets is on our roadmap.
The wallet holder signs a unique, time-bound challenge message using their private key. This signature cryptographically proves they control the wallet address without exposing the private key. The proof is verifiable by anyone and cannot be forged.
Yes. Our API allows you to programmatically request verifications, receive webhook notifications when proofs are completed, and retrieve verification data for integration into your underwriting and risk systems.
You can request ongoing verification with configurable intervals. Accredifi will re-verify wallet balances at your specified frequency and notify you via webhook if balances fall below thresholds or if the user revokes access.
Accredifi provides timestamped, cryptographically signed verification records that document proof of ownership and balance at specific points in time. These records are suitable for audit trails and compliance documentation.
With recurring verification enabled, you'll be notified of balance changes. You can set balance thresholds that trigger alerts, allowing your risk team to respond to collateral movements in near real-time.
Accredifi offers a REST API for programmatic integration, webhook notifications for event-driven workflows, and a dashboard for manual verification requests. Most teams integrate within days using our documentation and SDKs.
Still have questions?
Contact our teamBuilt for crypto-backed lending
Verify collateral without holding funds. Borrowers retain full control of their keys while you get cryptographic proof of their holdings.
Embed verification directly into your lending platform. Automate proof requests, receive webhooks, and integrate with existing underwriting systems.
Generate timestamped, signed verification records suitable for regulatory requirements and audit documentation.
Time-limited, revocable access. Borrowers approve exactly what they share and can revoke access at any time.
Verify self-custodied crypto collateral with cryptographic proof. Secure, auditable, and built for institutional lending workflows.