Embedded financing for Neobanks.
Joined March 2023
- Tweets3.5K
- Following117
- Followers792
- Likes818
Pinned Tweet
Announcing our strategic lending partnership with @tradevu_co
Tradevu will provide credit facilities to neobanks in the Cr3dentials network, worth $1,000,000 with each neobank scaling up to $200,000.
Every facility is gated on Cr3dentials verification and monitored through repayment.
Cr3dentials retweeted
The workforce has changed.
People earn through YouTube, Uber, Shopify, Upwork, and dozens of other platforms.
Their income can be consistent, documented, and substantial.
But traditional underwriting still struggles to make sense of it.
The problem isn’t always a lack of income.
Sometimes, it’s a lack of infrastructure to evaluate that income.
That’s the problem we’re solving at Cr3dentials.
The workforce has changed.
People earn through YouTube, Uber, Shopify, Upwork, and dozens of other platforms.
Their income can be consistent, documented, and substantial.
But traditional underwriting still struggles to make sense of it.
The problem isn’t always a lack of income.
Sometimes, it’s a lack of infrastructure to evaluate that income.
That’s the problem we’re solving at Cr3dentials.
Cr3dentials retweeted
We’ve built an entire crypto lending market around people who already have assets.
What about people who have income but very little collateral?
Freelancers. Creators. Gig workers. Remote employees.
What would it take to make unsecured lending work at scale?
That’s the trillion-dollar question.
Freelancers, creators, and remote workers:
Have you ever been rejected for a loan despite having consistent monthly income?
What reason did the lender give you?
We’ve built an entire crypto lending market around people who already have assets.
What about people who have income but very little collateral?
Freelancers. Creators. Gig workers. Remote employees.
What would it take to make unsecured lending work at scale?
That’s the trillion-dollar question.
What’s one financial feature you wish your crypto neobank had but nobody seems to be building properly?
Not another cashback campaign.
Something that would genuinely make your financial life easier.
If you were building a crypto neobank today, which would you prioritize?
A. Higher cashback
B. Better FX rates
C. Unsecured credit
D. Savings with competitive yields
Curious to see where people stand.
Cr3dentials retweeted
Early mistake at @Cr3dentials: we thought we could sell verification infrastructure on its own and make money from it. It was a lose-lose game.
The best thing we did was pivot to embedded credit and put a credit layer on top.
Now we bring lenders and neobanks the full stack: capital providers, underwriting and verification, and help with collections.
One neobank offers 2% cashback.
Another offers 3%.
Someone else launches a limited-time 5% campaign.
Everyone celebrates user growth until the incentives become too expensive to sustain.
This is what happens when your main differentiator can be copied overnight.
Credit offers something different.
Solve a real financial problem, and users have a reason to stay beyond the next reward.
Cr3dentials retweeted
Crypto card volumes have been booming since 2025, with over $1B in monthly spend volume consistently this year alone.
As volumes keep growing, new projects keep appearing. The correction? More than 20 crypto cards have shut down this year alone.
Cards attract volume but don’t make users stay. You need something more to make them sticky.
Crypto card volumes have been booming since 2025, with over $1B in monthly spend volume consistently this year alone.
As volumes keep growing, new projects keep appearing. The correction? More than 20 crypto cards have shut down this year alone.
Cards attract volume but don’t make users stay. You need something more to make them sticky.
Cr3dentials retweeted
Issuing a card is getting easier.
More providers. More networks. More ways to spend money.
Eventually, every neobank will have access to similar infrastructure.
So what separates the winners?
The financial products they build on top of those payments.
Unsecured lending is one of the biggest opportunities.
Because people don’t just need somewhere to spend their money.
They need access to money they haven’t earned yet.
Mastercard and MrBeast teaming up on creator cards says it plainly: creators are businesses now. Giving a card to a creator is easy. The hard part is building a credit layer that understands where/how they earn and likelihood to pay back. That's what we build at @Cr3dentials . pymnts.com/partnerships/2026…
Payments bring users in.
Cashback gets their attention.
But neither automatically creates a sustainable business.
Credit introduces a different opportunity: helping users access capital while generating lending revenue for the neobank.
The challenge has always been knowing who deserves credit and managing the risk.
That’s where better underwriting comes in.
Crypto solved access to financial assets.
But access to credit is still broken.
Millions of people earn consistently through Uber, YouTube, Shopify, and other online platforms but can’t get a loan because they don’t have traditional employment.
We’re unlocking the $1T+ unsecured lending opportunity by making their income count.
Issuing a card is getting easier.
More providers. More networks. More ways to spend money.
Eventually, every neobank will have access to similar infrastructure.
So what separates the winners?
The financial products they build on top of those payments.
Unsecured lending is one of the biggest opportunities.
Because people don’t just need somewhere to spend their money.
They need access to money they haven’t earned yet.
Mastercard and MrBeast teaming up on creator cards says it plainly: creators are businesses now. Giving a card to a creator is easy. The hard part is building a credit layer that understands where/how they earn and likelihood to pay back. That's what we build at @Cr3dentials . pymnts.com/partnerships/2026…
Cashback can get someone to try your neobank.
It doesn’t give them a reason to stay.
Someone else can always offer 1% more.
But what if your neobank could help a freelancer finance a laptop, cover an emergency, or grow their business?
That’s a different kind of relationship.
Credit turns a payment app into something people actually depend on.
