Bitcoin Credit Scoring for DeFi Lending

Unlock better borrowing terms based on your Bitcoin on-chain behavior. Get 110-130% collateral ratios vs traditional 150-200% — all while keeping your privacy intact.

Get Your Score Learn More

650-850

Score Range

110%

Min Collateral

100%

Private

How BitCred Works

Three simple steps to unlock better lending terms

1. Connect Bitcoin Wallet

Link your Bitcoin address. No private keys shared — only read-only access to on-chain history.

2. Generate Credit Score

AI analyzes your hodl duration, transaction frequency, and balance stability privately using zero-knowledge proofs.

3. Get Better Terms

Receive your score (650-850) and unlock personalized collateral ratios for DeFi lending on Sui.

Rewards for Diamond Hands 💎

Long-term Bitcoin holders get up to 45% more borrowing power compared to traditional DeFi protocols.

Capital Efficient
110% collateral for 800+ scores vs 150-200% standard
Privacy Preserved
Only cryptographic hashes on-chain, not actual scores
No KYC Required
Fully on-chain, permissionless scoring system

Get Started

Collateral Ratios by Tier

800-850

Diamond Hands 💎

110%

750-799

Strong Holder

115%

700-749

Moderate Holder

120%

650-699

New Holder

130%

Ready to unlock better lending terms?

Connect your Bitcoin wallet and get your credibility score in seconds.

Get Your Score