The first protocol that turns your repayment history into borrowing power. Less collateral. Better rates. Real credit on-chain.
PROTOCOL PRIMITIVES
Wikshi combines isolated lending markets, cross-chain credit verification, and real-world asset collateral into one composable protocol. Supply liquidity, build credit, or tokenize receivables — all from a single interface.
VIEW DOCSCredit-Native Lending
Wikshi reads your on-chain repayment history across chains using Creditcoin's Universal Settlement Chain. A perfect credit score drops your collateral requirement from 125% down to 111%. Your reputation finally counts for something in DeFi.
EXPLORE DOCUMENTATIONReal-World Asset Pipeline
Microfinance receivables, invoice payments, and real-world loan portfolios get tokenized as ERC-721 NFTs, wrapped into fungible wREC tokens, and valued using DCF pricing. Real yield from real borrowers — not recursive leverage.
EXPLORE DOCUMENTATIONCross-Chain Credit Verification
USC cryptographic proofs verify your loan history from any supported blockchain in under 15 seconds. No oracles to trust. No intermediaries. Your credit score is soulbound to your wallet and follows you across the entire Creditcoin ecosystem.
EXPLORE DOCUMENTATIONIsolated Market Architecture
Every lending market on Wikshi is a standalone 5-tuple: loan token, collateral token, oracle, interest rate model, and liquidation threshold. No shared pools. No contagion. One market's bad debt never touches another. Morpho Blue architecture, battle-tested.
EXPLORE DOCUMENTATIONProgressive Trust Tiers
Start as Unverified. Make 5 verified payments — you're Basic. Hit 20 payments and score 400 — Established. Reach 50 payments and 700 score — Trusted. Each tier unlocks lower collateral ratios and better interest rates. Credit scoring that rewards consistency, not wealth.
EXPLORE DOCUMENTATIONSee how the Wikshi lending protocol maps to Creditcoin's isolated components.
Built on Creditcoin's existing credit network spanning emerging markets across Africa, Southeast Asia, and Latin America
Accept CTC, stablecoins, wrapped tokens, and tokenized real-world receivables as collateral in isolated markets
USC cryptographic proofs replace trusted oracles. Every credit score is backed by on-chain evidence, not off-chain promises
ERC-5192 non-transferable credit tokens prevent score trading, identity farming, and credit tourism
Designed for the 1.4 billion unbanked. Microfinance borrowers build on-chain credit through the same protocol as institutional lenders
EXPERIENCE WIKSHI
Supply USDT to earn yield. Borrow against CTC with credit-adjusted rates. Tokenize real-world loans. Track your score climbing with every repayment. DeFi lending that actually knows who you are.
LAUNCH APP$5.3 trillion in unsecured credit exists off-chain. DeFi has $30B+ in lending — all overcollateralized. Wikshi bridges the gap by bringing real credit history on-chain for the first time.
Wikshi is the first lending protocol on Creditcoin. We're building the credit layer that DeFi has been missing — where your history matters more than your balance. Whether you're a supplier seeking real yield, a borrower building reputation, or a developer composing on credit data — there's a place for you.
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