Crypto-backed lending
The situation
You need to verify collateral before approving a loan
With Accredifi
Accredifi verifies wallet ownership and surfaces balances. You get an API response your underwriting system can trust.
Financial systems need to verify crypto holdings. Wallets weren't built to prove anything to institutions. Accredifi bridges that gap with cryptographic proof that both sides can trust.
For lending, underwriting, compliance, and onboarding teams.
More clients hold wealth in self-custody wallets. Lenders, compliance teams, and onboarding flows are being asked to verify it. But there's no standard way to do this.
What teams ask for
What that gives you
What that means
This is the gap Accredifi closes.
Every alternative either compromises security, creates compliance gaps, or doesn't scale.
| Approach | Result |
|---|---|
| Ignore it | ✗Underestimates net worth, misses risk |
| Screenshots | ✗Unverifiable, easily faked, stale the moment taken |
| Custody transfer | ✗High friction, defeats purpose of self-custody |
| Manual lookup | ✗No ownership proof, not repeatable, no audit trail |
| Accredifi | ✓Proof of ownership + live balances + persistent audit trail |
Accredifi sits between the user's wallet and your institution. It verifies ownership cryptographically, structures the data for your systems, and maintains an audit trail you can defend.
User
Self-custody wallet
Signs a message to prove control
Accredifi
Verification layer
Verifies ownership, tracks state, surfaces data via API
Institution
Your systems
CRM, underwriting, compliance tools
Verification is not a moment. It's a lifecycle.
Proof persists, balances update, and the audit trail grows with every interaction.
Common workflows where institutions need to verify self-custodied crypto.
The situation
You need to verify collateral before approving a loan
With Accredifi
Accredifi verifies wallet ownership and surfaces balances. You get an API response your underwriting system can trust.
The situation
Client claims to hold crypto as part of net worth
With Accredifi
Instead of screenshots, they complete a verification session. You get proof that survives compliance review.
The situation
You need to reverify holdings over time
With Accredifi
Accredifi schedules reverification and tracks status. Your systems stay up to date without manual follow-up.
See implementation details for institutions and individuals.
Not a one-time check. An ongoing relationship with state you can enforce.
01
Request access
Institution creates an access request for the user
02
User verifies
User connects wallet and signs a verification message
03
Proof is stored
Accredifi records the cryptographic proof with timestamp
04
Access is granted
Institution can now retrieve verified data via API
05
State persists
Verification status and balances stay up to date
06
Reverification runs
Scheduled checks keep the relationship current
REST API, webhooks, and hosted verification links. Add verification to your onboarding, underwriting, or compliance flows without rebuilding them.
Create access requests, retrieve wallet data, manage verification lifecycle.
/api/1.0/Get notified when verification events occur.
Send users a verification link. No frontend work required.
Generate a link, embed it in your onboarding flow or email. User completes verification. You get the webhook.
Typical integration
// 1. Create an access request
POST /api/1.0/access-requests
// 2. User completes verification (via hosted link)
// 3. Receive webhook
wallet_verification.success
// 4. Retrieve verified data
GET /api/1.0/wallet-accesses/{id}Users keep their keys. You get cryptographic proof. Both sides win.
What Accredifi never does
What it does instead
Built for audit
Every verification produces evidence you can defend.
Proof of ownership
Cryptographic signature proving wallet control, tied to timestamp.
Access audit trail
Who requested access, when it was granted, what scope was permitted, when it was revoked.
State history
Every status transition is logged. You can show regulators exactly what happened and when.
Your clients already hold crypto in self-custody wallets. Give your team a way to verify it that survives audit.
Free tier includes 10 verifications per month. No credit card required.