BANKING
WITHOUT
ACCOUNTS
Authorization-based finance where you never hold money—you prove permission to spend
Kredo eliminates accounts entirely. No wallets to secure, no balances to expose, no addresses to track. Just cryptographic permission.
A new primitive for
onchain
finance
Kredo introduces authorization-based banking where users never hold money, never manage balances, and never appear on-chain.
Spendability without ownership—a categorical shift from possession to permission.
Accountless
Users never exist as stored entities on-chain. No balances to track, no accounts to secure.
Liquidity Fog
Shared liquidity where ownership is intentionally impossible. Capital accessed solely via authorization.
ZK Identity
Prove eligibility, authorization scope, and compliance—without revealing identity, history, or patterns.
Security shifts from custody to policy design. Permissions can expire and be revoked without moving funds.
Our Ethical
Product Suites
Authorization-Based Banking
Built for the Future
Accountless Financial System
No wallets, no addresses, no balances. Users exist as ephemeral actors whose presence is limited to a single authorization event.
Zero-Knowledge Identity
Prove eligibility and compliance without exposing personal data, transaction history, or behavioral patterns.
Liquidity Fog Pools
Shared capital reservoirs where ownership attribution is impossible. Liquidity becomes infrastructure, not property.
Intent-Driven Payments
All payments are authorizations validated cryptographically. No sender, no balance mutation, no ownership change.
Stateless On-Chain Execution
Contracts store no user addresses or balances. The chain only verifies proof validity, policy compliance, and pool solvency.
Programmable Constraints
Security shifts from custody to policy. Permissions can have spending caps, time windows, and context restrictions.
Paradigm Shift
Traditional Banking vs Authorization-Based Finance
For centuries, banking has revolved around a single assumption: to spend money, you must first hold it. Accounts, balances, and custody have shaped how financial systems are designed and experienced.
Kredo begins by rejecting that assumption entirely. Rather than proving ownership of assets, users prove authorization to spend. This transforms banking from a storage problem into an access-control problem.
Privacy Model
Kredo: Zero-knowledge proofs verify eligibility without revealing identity or history
User State
Kredo: Stateless users exist only during authorization events
Liquidity Model
Kredo: Liquidity fog pools where ownership attribution is impossible
Payment Mechanism
Kredo: Intent-driven authorizations validated cryptographically
The Core Difference
Spendability Without Ownership
In Kredo, money is not something you own. It is something you are allowed to use. Users never hold money, never manage balances, and never appear on-chain as persistent financial entities.
This is not obfuscation layered on top of accounts—it is a system where accounts never existed. Liquidity becomes infrastructure, not property. Privacy becomes structural, not optional.
Privacy-First Architecture
- •Zero-knowledge proofs verify eligibility without exposing identity
- •No transaction history tracked or stored on-chain
- •Structural privacy by design, not optional feature
Stateless Architecture
No persistent user state: Users exist only during authorization events
Horizontal scalability: System grows without per-user state bloat
Kredo's stateless design enables infinite scalability while maintaining privacy and security guarantees.
Maximum Capital Efficiency
Liquidity fog pools: Shared capital with no ownership attribution
Zero idle balances: Capital is always productive
Experience Accountless Finance
Try Kredo's authorization-based banking system. No wallets, no balances, just cryptographic permission.
Zero-Knowledge Identity
Proving Without Revealing
Zero-Knowledge Identity: Proving Without Revealing
Discover how Kredo uses zero-knowledge proofs to verify eligibility and compliance without exposing user data or transaction history.
Zero-Knowledge Identity: Proving Without Revealing
How Kredo uses ZK proofs to verify eligibility and compliance without exposing user data or transaction history.
Liquidity Fog Pools: Capital Without Owners
Shared, non-attributable capital reservoirs are replacing custodial wallets as the foundation of on-chain liquidity.
Why We Killed the Account
The account is a legacy artifact of physical banking. In a cryptographic world, it's a liability.
Intent Engines: The Future of On-Chain Execution
How Kredo's intent-driven architecture enables users to express what they want without managing how it happens.