Innflux

Credit Without Borders

The composable credit layer merging DeFi liquidity with emerging market underwriting. Instant verification. Zero compromise on privacy.

How It Works

1

Connect Your Wallet

Link your Ethereum or Polygon wallet to begin the verification process. Your on-chain history becomes the foundation of your FluxScore.

Instant connection
2

Link Banking Data

Connect your bank account via Mono, Okra, Stitch, or Finverse. Your traditional financial history is analyzed in a privacy-preserving enclave.

TEE encrypted
3

Get Your FluxScore

Receive a composite credit score merging blockchain analytics with underwriting intelligence. Instant approval decisions.

Real-time calculation

Your FluxScore

Enter a wallet address to see your credit potential instantly

Demo wallet pre-filled • Click to analyze

Enter a wallet address and click "Scan Wallet" to view FluxScore results

Blended Scoring

Link your bank account to unlock higher credit limits through traditional underwriting

Supported Providers

Nigeria

Mono
Okra

South Africa

Stitch

Kenya

Finverse

Pan-Africa

Plaid (coming soon)

Credit Limit Impact

On-chain Only

$438

With Banking Data

$1,094+

2.5x increase in credit capacity by adding traditional financial history to your FluxScore.

Privacy by Architecture

Your data is protected by hardware-level encryption

1

Your Data

Bank + Wallet credentials

↓

TEE Enclave

Isolated secure computation

PII encrypted with AES-256

Privacy Pointer created with HMAC-SHA256

↓
2

Privacy Pointer

Score + anonymous pointer only

↓

Loan Vault

Never sees your identity

Privacy Guarantees

End-to-End Encryption

AES-256 encryption on all PII within the TEE. Decryption happens only within the isolated enclave.

AES-256

Hardware-Backed Isolation

Data processing happens in Intel SGX or AWS Nitro Enclaves. No cloud provider can access plaintext data.

SGX/Nitro

Privacy Pointers

HMAC-SHA256 pointers allow verification without exposing identity. Lenders verify creditworthiness anonymously.

HMAC-SHA256

No Data Retention

Bank credentials and PII are not stored. Only an encrypted privacy pointer and credit score exit the enclave.

Zero-Knowledge

Plug Into FluxScore

Integrate emerging market credit scoring into your lending platform

REST API

POST/underwrite

Score single applicant

POST/batch-underwrite

Score multiple applicants

GET/score/{case_id}

Retrieve existing score

POST/verify-pointer

Verify privacy pointer

Example Request

curl -X POST https://api.innflux.io/underwrite \
  -H "Authorization: Bearer YOUR_KEY" \
  -d '{
    "wallet": "0x...",
    "banking_pointer": "ptr_...",
    "amount_requested": 500
  }'

Performance Metrics

Accuracy

91.25%

Default Detection

100%

Approval Rate

72.5%

Processing Time

<2s

Validation

80 benchmark cases tested against Mono creditworthiness profiles. Consistent outperformance on emerging market risk assessment.