Turn a clean track record into cheaper capital.
- Verify once and keep a Passport no one can take from you
- Lock less collateral with every on-time repayment
- Style the identity layer to look like your brand
Stellar · Soroban · USDC
Portable credit infrastructure for Latin American businesses.
Every SME gets one Business Passport — a non-transferable credential and a credit reputation that grows with each repayment, and follows the business from loan to loan.
Infraestructura de crédito para PyMEs latinoamericanas, sobre Stellar.
Fondealo
Stellar
Café Andino SAC
Business Passport
Peru · Retail
KYB verifiedSet by Fondealo
720Credit / 1000BStrong
- Repaid
- 8 / 8
- On-time
- 94%
- History
- 14 mo
Credit signals
- Payments+32
- KYBVerified
- Repayment+18
Verified on-chainGBODEG…000000
Try a look
- 3 Soroban contractsPassport · Score · Escrow
- Non-custodialYour wallet, your keys
- PII stays off-chainOnly a hash goes on-chain
- Stellar · USDCProtocol 27 settlement
We don't rebuild lending. We compose the Stellar money-legos and own the credit layer.
- Blendlending
- Reflectororacle
- DeFindexyield
- USDCsettlement
How it works
Repay once. Borrow cheaper next time.
- 1
Verify once, reuse everywhere
Complete KYB and receive a Business Passport — an on-chain identity any lender on Stellar can read.
- 2
Raise financing in USDC
Open a funding opportunity. Investors fund it in USDC and the risk band sets a fair rate.
- 3
Repay, and your score compounds
Each on-time, externally-funded repayment lifts the score, lowers your collateral and unlocks cheaper capital.
Reputation simulator
New business · starts at 500
Loan of 5,000 USDC
636Band C
- Collateral required
- 2,500USDC
- 50% of the loan
- Suggested APR
- 20.0%
- set by the risk band
6 repayments in — the band hasn't moved yet, but every on-time payment compounds.
6
012
Uses the same formula as the score contract: each on-time, investor-funded repayment adds points with a streak bonus, shrinking toward the 1000 cap. Self-funded round-trips add nothing.
Business Passport
Yours to style. Ours to verify.
The top of the Passport is your identity, and you decide how it looks. The bottom is your standing, and nobody — you included — gets to restyle it.
You control
- Colour theme
- Pattern
- How your name is presented
Fondealo attests
- KYB status
- Credit score & risk band
- Repayment history
- On-chain proof
BusinessPassport · Sorobannon-transferable
- issue() get() is_active()read / issue
- update_metadata()owner only
- freeze() revoke() add_credential()issuer only
- apply_reputation()score engine only
- transfer() approve() transfer_from()deliberately absent
A credential can't be sold, lent or faked: ownership never moves. Implemented and tested in packages/soroban; Testnet deployment is next.
Identity layerYou choose
FondealoStellar
Café Andino
Business Passport
Trust layer Set by Fondealo
- KYBVerified
- Credit score720 · Strong
- Loans repaid8 / 8
Credit Reputation Ring
One score. Four ways to read it.
The on-chain score is a single deterministic number. The ring shows what it is made of, so a lender can see why a business looks the way it does — and a business can see what to improve.
- Identity
- KYB verified by a provider. PII stays off-chain; only a hash commitment goes on-chain.
- Repayment
- The share of loans repaid. On-time, investor-funded repayments are what raise the score.
- Activity
- How many loans the business has actually taken through Fondealo.
- Longevity
- How long the Passport has been building history. Reputation takes time.
Reputation compounds with diminishing returns near the cap, and self-funded round-trips are score-neutral, so it can't be gamed.
720
- Credit signals
Fund vetted SMEs and earn USDC returns.
- See each business’s score, band and collateral before you fund
- First-loss collateral is locked ahead of your capital
- Try it end to end with 10,000 test USDC on Testnet