(Who We Serve)
CREDZO connects developers, freelancers, lenders, and employers in a talent-first credit ecosystem
Students, bootcamp grads, and self-taught coders building their first portfolio
Need fair access to laptops, courses, and credit without family collateral
Building skills through online courses, bootcamps, and personal projects
Looking to prove their potential to lenders and employers
Independent developers with public work history but no traditional employment
Work history is public in repos and platforms, but invisible to banks
CREDZO converts that activity into a recognized track record
Earn consistent income through Upwork, Fiverr, and direct contracts
Financial institutions looking to expand into underserved tech talent markets
Want to lend to tech talent but lack robust risk signals
Use CREDZO's Talent Credit Score and APIs to underwrite smarter
Access alternative data that predicts earning potential and repayment ability
Companies and platforms seeking reliable signals of developer consistency and execution
Looking for reliable signals of consistency and execution ability
Use CREDZO profiles as an additional layer of proof alongside resumes
Verify candidate claims with blockchain-backed credentials
How different communities benefit from talent-first credit scoring
Sarah just completed a coding bootcamp but needs a $2,000 laptop to start freelancing. Traditional banks reject her because she has no credit history. CREDZO analyzes her bootcamp certifications, GitHub projects, and peer endorsements to approve a micro-loan.
Carlos earns $3,000/month through Upwork but can't get a business loan in his home country. CREDZO verifies his freelance income, client ratings, and project portfolio to connect him with international lenders who understand his earning potential.
A digital lender wants to serve developers but lacks data to assess risk. They integrate CREDZO's API to access Talent Credit Scores, reducing default rates by 40% while expanding their addressable market by 10,000+ qualified borrowers.
A startup receives 200 applications claiming "5 years of React experience." They use CREDZO profiles to instantly verify which candidates have consistent, verifiable project histories—saving 20 hours of technical screening.
Whether you're building skills, lending capital, or hiring talent—CREDZO has a solution for you