Local demand, Global supply

CRED, is a decentralized lending ecosystem that facilitates open access to credit anywhere and anytime based on the Ethereum blockchain.


Extensive Partnership Networks

  • Collaborating with partners in both crypto and financial markets
  • Synergistic partnerships with crypto exchanges, stablecoin providers (e.g. Maker DAO), third-party identity verification data providers (e.g. uPort) and licensed financial institutions (e.g. banks, asset managers)
  • Reinforcing CRED while delivering value for our partners

Flexibility for Participants

  • Crypto-to-fiat loan allowing collateralization of cryptocurrencies to spend fiat without sacrificing their current crypto position
  • Crypto-to-stablecoin loans enabling borrowers to hedge price volatilities without exiting the market
  • Crypto-to-crypto lending allowing borrowers to pledge other alternate tokens for more mainstream crypto currencies (i.e. BTC / ETH) with better liquidity

Proprietary AI-based Credit Assessment Framework

  • In-house risk management technology which has been deployed in China and the ASEAN market successfully
  • Pioneer in digital credit service who leverages a dual-credit assessment framework
  • Considering both the viability of the pledged collateral and the credit scoring of the individual borrower

LBA Token Distribution


  • 2017 Q4

    CRED Idea Generation

  • 2018 Q2

    LBA Token Sale & Token Activation

  • 2018 Q3

    CRED platform (desktop version) launched for crypto-to-crypto/fiat lending

  • 2018 Q4

    CRED mobile App launched

  • 2019

    Other digital asset-to-crypto/fiat lending enabled with extended partnership networks

  • 2020

    Digital/financial/physical asset-to crypto/fiat lending enabled with global partnership networks




Richard Liu

Investor in CRED and Partner at FBG Capital

“This isn’t an incremental advance over what’s out there. It’s a massive paradigm shift. CRED is bringing the credit market to an asset class that will grow to trillions in the next few years. You need a seasoned team to pull this off, and these guys know how to execute. We’re thrilled to be supporting CRED and their partnership with Uphold for the long haul as the implications for financial access are profound.”

Grainne McNamara

Principal and Head of Blockchain and Digital Assets at Pricewaterhouse Coopers

“We are happy to see companies like Uphold and CRED make progress with products that bridge traditional financial services with blockchain, while addressing legal and regulatory requirements. Credit and liquidity will benefit the crypto community and lead to more mainstream financial service offerings.”

Scott Thompson

Advisor to CRED, and former President of PayPal and former CEO of Yahoo

“This is the most excited I’ve been since PayPal introduced credit to its customers. Every crypto bank and exchange will benefit from CRED’s credit capabilities”

JP Thieriot

Co-founder of Uphold

“CRED has built a user experience that is easy, affordable to all and will provide significant value for our members.”


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