Banking Without Accounts
Kredo is a financial system where users never hold money, never manage balances, and never appear on-chain as persistent entities. We introduce a radically different primitive: spendability without ownership.
Read DocumentationAccountless Architecture
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.
From Ownership to Authorization
Traditional finance defines power through possession. If you own funds, you can act. If you lose custody, you lose access.
Kredo inverts this logic. Rather than proving ownership, users prove authorization to spend. Rather than transferring balances, the system validates intent under cryptographic constraints.
Read: Why We Killed the AccountJoin the Community
Experience Accountless Finance
Try Kredo's authorization-based banking system