credti

Credti is a blockchain-based lending platform designed to enable uncollateralized lending by leveraging off-chain proofs of financial credibility. It bridges Web2 and Web3 users by allowing borrowers to provide cryptographic proof of their financial status without exposing sensitive data.

At the core of its innovation is ZKtls (Zero-Knowledge Transport Layer Security), which ensures secure and private interaction between off-chain financial systems (e.g., banks, payroll systems, or credit institutions) and the on-chain ecosystem.

ZKtls Implementation ZKtls combines the Transport Layer Security (TLS) protocol with Zero-Knowledge Proofs (ZKPs). Here's how it works:

TLS Layer:

Establish a secure, encrypted connection between the user's device and the financial institution using traditional TLS (e.g., HTTPS). This ensures the user can log in and access financial data securely.