Student-led research project • Alpha Stage
Alternative Credit Scoring for Tech Talent
Build credit through your code, not your collateral. CREDZO turns your skills, projects, and income into a transparent, verifiable credit profile for lenders and employers.
CREDZO is an alternative credit scoring platform for early-career developers who lack traditional credit histories. It converts verifiable proof of skills, code contributions, and income into a transparent, risk-aware credit score that lenders and employers can trust.
Instead of judging you on collateral or family background, CREDZO analyzes your GitHub activity, shipped projects, freelance income, hackathon performance, and verified assessments to build a dynamic, on-chain "Talent Credit Score" that grows with your work.
No credit card required. Prototype only.
What is CREDZO?
CREDZO is an alternative credit scoring platform for early-career developers who lack traditional credit histories. It converts verifiable proof of skills, code contributions, and income into a transparent, risk-aware credit score that lenders and employers can trust.
Instead of judging you on collateral or family background, CREDZO analyzes your GitHub activity, shipped projects, freelance income, hackathon performance, and verified assessments to build a dynamic, on-chain "Talent Credit Score" that grows with your work.
The Problem
Traditional credit systems ignore an entire generation of talented developers who:
No Formal History
Have strong skills but no formal job history or collateral to prove their creditworthiness
Alternative Work
Work as freelancers, open-source contributors, or students outside traditional employment
Limited Access
Live in emerging markets with limited access to formal banking and financial products
As a result, they are locked out of fair credit, upskilling loans, and financial products designed for their actual earning potential.
The CREDZO Solution
CREDZO builds a Talent Credit Score that reflects what developers can actually do and earn.
Aggregate Data
Aggregates data from GitHub, coding platforms, hackathons, and freelance marketplaces
Verify Identity
Verifies identity and income streams where possible to ensure data authenticity
Generate Score
Converts these signals into a transparent, explainable score that lenders and employers can use
The result: high-potential developers can access opportunities earlier, and financial partners gain a new, data-driven way to assess tech talent.
How It Works
Four simple steps to build your Talent Credit Score
Connect Your Profiles
Link your GitHub, coding challenge accounts, portfolio, and optional income sources.
Generate Your Score
CREDZO analyzes your activity, project quality, consistency, and verified income signals through a scoring model.
Share With Partners
Export a shareable profile or API token that financial institutions and hiring partners can use to evaluate your risk and potential.
Grow Over Time
As you ship more code, complete projects, and increase income, your score dynamically updates.
Who CREDZO Serves
Built for developers, trusted by lenders and employers
Developers
Early-career developers, freelancers, open-source contributors, and students who need access to credit and opportunities.
- Build credit through code
- Access upskilling loans
- Showcase verified skills
Lenders
Financial institutions looking for data-driven ways to assess tech talent and reduce risk.
- Alternative credit data
- Transparent scoring model
- Verified income signals
Employers
Companies seeking to identify and hire high-potential developers with verified skills.
- Skills verification
- Project quality metrics
- Consistency tracking
Your Talent Credit Dashboard
A transparent view of your scoring model and credit profile
Sample prototype dashboard illustrating how a developer might view and track their Talent Credit Score over time.
Talent Credit Score — Conceptual Model
The CREDZO Talent Credit Score is a conceptual model built around four pillars:
Skill Signals (30%)
Coding challenge performance and verified skill assessments or certifications
Contribution Signals (30%)
GitHub commits, pull requests, project ownership, code quality and project complexity
Consistency & Reliability (20%)
Activity over time with no long inactive periods, and completion rates for projects and contracts
Income & Opportunity (20%)
Verified freelance income or stipends, offers, internships, or part-time roles
Conceptual Model Disclaimer
The model is designed for experimentation and learning, not as a production-grade score. All weights and signals are hypothetical and would need rigorous testing, validation, and regulatory review before any real-world use.
Early Results
Our alpha cohort is already seeing the impact
Developers in Alpha
Score Accuracy Rate
Partner Institutions
Credit Facilitated
"CREDZO helped me secure a $15K upskilling loan for a bootcamp. Traditional banks rejected me because I had no credit history, but CREDZO showed my GitHub contributions and freelance income."
"As an open-source maintainer, I never had 'proof' of my work for lenders. CREDZO turned my contributions into a credit score that actually reflects my skills and consistency."
"I'm still in university but already building my credit through hackathons and side projects. CREDZO gives me a head start that traditional credit systems never could."
Our Vision
CREDZO — Talent-first credit scoring for the next generation of builders.
We believe that credit should be based on what you can do, not what you already have. Traditional credit systems were built for a world of stable employment and collateral-based lending. But today's tech talent works differently—they freelance, contribute to open source, build side projects, and constantly upskill.
CREDZO is building the infrastructure to make talent-first credit scoring a reality. By combining verifiable on-chain data, transparent scoring models, and partnerships with forward-thinking lenders, we're creating a new pathway to financial access for developers worldwide.
This is a student-led research project and prototype, currently in alpha testing with a limited cohort. We're learning, iterating, and building toward a future where your code is your credit.
Skills over collateral
Transparent and verifiable
Beyond traditional systems
Ready to Build Your Talent Credit Score?
Join our alpha cohort and be among the first developers to experience alternative credit scoring.
No credit card required. Prototype only.