A universal, blockchain-based credit system that travels across borders, chains, and applications. Build your global score. Borrow anywhere. Own your financial identity forever.
The Problem
Credit today is fragmented and unfair. Move countries and you start from zero. On-chain, you can’t borrow without heavy collateral. Billions are excluded because trust isn’t measured globally. LOCAL fixes this.
The Problem
Credit today is fragmented and unfair. Move countries and you start from zero. On-chain, you can’t borrow without heavy collateral. Billions are excluded because trust isn’t measured globally. LOCAL fixes this.
The Solution
LOCAL builds the first borderless, reputation-based credit system. Grow credit once, use it everywhere, and unlock undercollateralized borrowing with a global, user-owned financial identity.
The Solution
LOCAL builds the first borderless, reputation-based credit system. Grow credit once, use it everywhere, and unlock undercollateralized borrowing with a global, user-owned financial identity.
The Problem
Credit today is fragmented and unfair. Move countries and you start from zero. On-chain, you can’t borrow without heavy collateral. Billions are excluded because trust isn’t measured globally. LOCAL fixes this.
The Problem
Credit today is fragmented and unfair. Move countries and you start from zero. On-chain, you can’t borrow without heavy collateral. Billions are excluded because trust isn’t measured globally. LOCAL fixes this.
The Solution
LOCAL builds the first borderless, reputation-based credit system. Grow credit once, use it everywhere, and unlock undercollateralized borrowing with a global, user-owned financial identity.
The Solution
LOCAL builds the first borderless, reputation-based credit system. Grow credit once, use it everywhere, and unlock undercollateralized borrowing with a global, user-owned financial identity.
local partners
Peanut
Chainlabs
Hacken Labs
AML Bot
Pyth Network
Ton
Base
Peanut
Chainlabs
Hacken Labs
AML Bot
Pyth Network
Ton
Base
how it works
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Verify your identity privately
Local uses your on-chain activity and reputation to generate a decentralized credit profile and risk rating, enabling access to unsecured credit without traditional intermediaries. Link your wallets to your identity and reputation. Wallets can be connected pseudonymously, with optional identity and real-world credit attestations to improve trust and borrowing terms.
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3
4
Verify your identity privately
Local uses your on-chain activity and reputation to generate a decentralized credit profile and risk rating, enabling access to unsecured credit without traditional intermediaries. Link your wallets to your identity and reputation. Wallets can be connected pseudonymously, with optional identity and real-world credit attestations to improve trust and borrowing terms.
1
2
3
4
Verify your identity privately
Local uses your on-chain activity and reputation to generate a decentralized credit profile and risk rating, enabling access to unsecured credit without traditional intermediaries. Link your wallets to your identity and reputation. Wallets can be connected pseudonymously, with optional identity and real-world credit attestations to improve trust and borrowing terms.
bUILD WITH US
The Local Credit oracle enables an entirely new class of financial and identity-aware applications that can operate globally from day one. Builders can leverage Local to unlock use cases that were previously impossible without centralized credit bureaus.
We support builders with technical guidance, ecosystem integration, and economic grants. Check out the docs here.
Examples of applications already proposed by builders include:
Personal Loans
Loans powered by trust, not paperwork
Peer-to-peer borrowing and lending across borders with risk distributed across many borrowers. Lenders earn competitive yields while borrowers access unsecured credit.
Credit Cards
The LOCAL Card
Move beyond crypto debit cards. Local Credit enables true international credit cards with unsecured borrowing for users and attractive yields for capital providers.
Home Rentals
Reduce the risk of renting your home
Reduce counterparty risk in rental markets. Property owners can evaluate tenant credibility without requiring invasive identity disclosure.
Mortgages
Global access, zero friction
Decentralized, reputation-based mortgage markets that remove banks as rent-seeking intermediaries while preserving risk transparency.
Jobs and Hiring
Verify potential hirees
Discreetly verify applicants’ credibility, reliability, and on-chain history without forcing full identity disclosure.
Founders and Partnerships
Small loans that spark big futures
Evaluate counterparties and co-founders with confidence while preserving privacy and pseudonymity.
Personal Loans
Loans powered by trust, not paperwork
Credit Cards
The LOCAL Card
Home Rentals
Reduce the risk of renting your home
Mortgages
Global access, zero friction
Microloans for Students & Entrepreneurs
Small loans that spark big futures
Founders and Partnerships
Small loans that spark big futures
Evaluate counterparties and co-founders with confidence while preserving privacy and pseudonymity.
Why LOCAL Wins
Benefits
Benefits
Universal
Your credit score no longer depends on where you live.
Universal
Your credit score no longer depends on where you live.
Universal
Your credit score no longer depends on where you live.
Private
Zero-knowledge identity ensures compliance without giving up privacy. No more fear of identity theft.
Private
Zero-knowledge identity ensures compliance without giving up privacy. No more fear of identity theft.
Private
Zero-knowledge identity ensures compliance without giving up privacy. No more fear of identity theft.
Instant
Borrowers are underwritten in seconds using real behavioral data.
Instant
Borrowers are underwritten in seconds using real behavioral data.
Instant
Borrowers are underwritten in seconds using real behavioral data.
Intelligent
Machine learning analyzes repayment patterns responsibly, with fairness checks and bias mitigation.
Intelligent
Machine learning analyzes repayment patterns responsibly, with fairness checks and bias mitigation.
Intelligent
Machine learning analyzes repayment patterns responsibly, with fairness checks and bias mitigation.
Composability
Any fintech app, DeFi protocol, wallet, or marketplace can integrate the LOCAL Score.
Composability
Any fintech app, DeFi protocol, wallet, or marketplace can integrate the LOCAL Score.
Composability
Any fintech app, DeFi protocol, wallet, or marketplace can integrate the LOCAL Score.
Interoperable
Works across chains, apps, wallets, and countries without rebuilding identity every time. Your reputation becomes an asset you can carry anywhere.
Interoperable
Works across chains, apps, wallets, and countries without rebuilding identity every time. Your reputation becomes an asset you can carry anywhere.
Interoperable
Works across chains, apps, wallets, and countries without rebuilding identity every time. Your reputation becomes an asset you can carry anywhere.
User-Owned
Your score, your data, your identity. No centralized bureau can freeze, sell, or control it. LOCAL makes credit something people own, not institutions.
User-Owned
Your score, your data, your identity. No centralized bureau can freeze, sell, or control it. LOCAL makes credit something people own, not institutions.
User-Owned
Your score, your data, your identity. No centralized bureau can freeze, sell, or control it. LOCAL makes credit something people own, not institutions.
FAQS FROM THE LOCALS
FAQs
FAQs
FAQs