INTRODUCING KREDO: BANKING WITHOUT ACCOUNTS — SPENDABILITY WITHOUT OWNERSHIP
Blog—Technology—Zero-Knowledge Identity: Proving Without Revealing
Technology2025-09-10

Zero-Knowledge Identity: Proving Without Revealing

How Kredo uses ZK proofs to verify eligibility and compliance without exposing user data or transaction history.

Zero-Knowledge Identity: Proving Without Revealing

Zero-Knowledge Identity

Authorization-Based Finance

Zero-Knowledge Identity: Proving Without Revealing

In traditional systems, verification requires disclosure. To prove you are over 18, you show an ID that reveals your name, address, and birthdate. To prove you have funds, you reveal your bank balance.

Kredo rejects this trade-off.

Verification - Disclosure = Privacy

Using Zero-Knowledge (ZK) Proofs, Kredo allows users to verify statements like:

  • "I am eligible to spend from this pool."
  • "This transaction is within my daily limit."
  • "I am not on a sanctions list."

...all without revealing who they are, what their history is, or why they make the transaction.

The Stateless Verifier

Because Kredo has no accounts, the blockchain doesn't know you. It only knows your proof.

When you submit a spending intent, you attach a ZK proof generated locally on your device. The chain validates the math, checks the proof against the pool's policy, and executes the intent.

No user state is updated. No address is recorded. The transaction serves its purpose and vanishes into the liquidity fog.

This is the future of digital identity: powerful, compliant, yet completely invisible.