Cr3dentials improves verification processes by providing institutions with instant, cryptographically secure proof of individual income, employment, and credit worthiness. Our platform eliminates the hassle of collecting and manually verifying multiple financial documents while significantly reducing fraud risk across various industries that rely on financial verification.

The current financial verification process is fundamentally broken. Organizations waste countless hours manually reviewing documents that can be easily forged, leading to significant fraud risks and delayed decisions. Financial institutions, employers, landlords, and government agencies all face the same challenges:

• Manual document verification is time-consuming and resource-intensive

• Financial documents are easily manipulated, with limited tools to detect fraud

• Approval delays result in lost opportunities and revenue

• Handling sensitive financial data creates security and compliance risks

These inefficiencies cost organizations billions annually while creating frustrating experiences for individuals who must repeatedly provide the same documentation to different entities.

Cr3dentials delivers instant, private, and verifiable income, credit, and employment verification.

Instant: Results back in less than 30 seconds Private: See only the information you need, nothing more. Verifiable: Sourced directly from a bank, credit bureau and/or payroll provider during login

Admin side	Customer side

1. Admins set requirements and share a verification link

2. Applicants securely connect their financial accounts

3. Verification completes in seconds with zero-knowledge proofs

4. Results show only whether requirements are met, protecting privacy

For Admins:

• Faster application processing

• Higher confidence in verification results

• Reduced paperwork and administrative burden

• Compliant with privacy regulations

For Applicants:

• No need to share sensitive financial statements

• Reusable verifications across multiple properties

• Control over personal financial data

• Quick and convenient process

Cr3dentials uses cryptographic technology to ensure data is accurate, secure and non-fraudulent. The platform leverages digital signatures and TLS data from servers to verify the provenance and authenticity of user data. Zero-knowledge proofs (ZKPs) are then used to maintain privacy, only revealing the necessary verification outcomes. Cr3dentials does not see any of the users private data.

We use zkTLS, a cryptographic protocol that securely retrieves data from websites while proving its authenticity without exposing sensitive information. The server sends information to a user via TLS (Transport Layer Security). Cr3dentials processes this data to generate zero-knowledge proofs that confirm its validity.

Proof of Income Verification: When a user accesses their banking portal (such as Chase or Bank of America), financial data is transmitted to their browser via TLS. Cr3dentials' browser extension captures this information at the source, generates cryptographic proofs verifying the account balance and transaction history, and securely shares only the verified results with the requesting party—never the raw financial data. Note that through bank login we are capturing net income (after taxes and deductions), which provides verifiers with a more accurate picture of actual funds available to the individual

Proof of Credit Worthiness: During access to credit bureaus or monitoring services (like Credit Karma, Experian, or TransUnion), Cr3dentials can securely capture credit scores and account information. The system verifies this meets specified requirements and generates proof without exposing the user's complete credit history or personal details.

Proof of Employment and Payroll: When a user logs into payroll providers (such as ADP, Workday, or Gusto), Cr3dentials can cryptographically verify employment status, job title, salary information, and tenure. This eliminates the need for traditional employment verification letters or pay stubs while providing stronger, tamper-proof verification.

We use zkEmail, a system that extracts cryptographically signed information from email headers and content. This approach allows us to verify the origin and authenticity of financial data, such as bank deposit notifications or pay stubs, without exposing the full content of the email.

Example: As a social media influencer, when you receive a payment confirmation email from TikTok, the email contains the payment amount in its body. Cr3dentials verifies the DKIM signature to confirm the email originated from TikTok.com, then uses zkRegex to extract only the relevant information, such as the payment amount, while keeping the rest of the email private.

All verification proofs are cryptographically secured and recorded on the blockchain via attestations. Cr3dentials leverages the Ethereum Attestation Service (EAS) to create immutable, time-stamped records of each verification. This blockchain integration provides several critical advantages:

• Creates a permanent, tamper-proof record of all verifications

• Establishes a clear chain of custody for sensitive information

• Allows authorized parties to independently verify the authenticity of proofs

• Eliminates the possibility of document forgery or manipulation Provides transparent audit trails without compromising privacy

Q1 2025

• Complete proof of concept for JP Morgan Chase Bank integration

• Establish core verification infrastructure and zkTLS protocol

• Expand bank support to relevant regional banks

• Develop payroll provider support

Q2-Q3 2025

• Launch beta testing program with diverse financial institutions

• Collect feedback from early adopters across different sectors

• Continue adding bank, payroll, and credit bureau support

• Refine product based on real-world usage patterns

• Evaluate market fit across various use cases

Cr3dentials transforms financial verification by combining zero-knowledge cryptography with blockchain technology. Our platform provides instant, private, and cryptographically secure proof of income, employment, and credit worthiness across multiple industries. By replacing manual document processing with tamper-proof digital verification, we significantly reduce fraud risk while improving efficiency for both organizations and individuals. Our use of zkTLS and zkEmail technologies enable comprehensive verification from diverse financial sources, positioning Cr3dentials as an emerging standard for secure, private verification worldwide.

X - https://x.com/cr3dentials
Website - https://cr3dentials.xyz/
zkemail - https://zk.email/
zkTLS blog - https://medium.com/zkpass/zktls-the-cornerstone-of-verifiable-internet-da8609a32754 Ethereum Attestation Service - https://attest.org/