The next generation
credit history platform

Our blockchain-based platform uses encryption and smart contracts to address the significant security, privacy, data integrity, and convenience shortcomings of existing consumer credit history services and moves consumer credit into the Web 3.0, post-surveillance-capitalism framework.

Giving control to consumers and trustworthy data to creditors.

Expanding consumer access while protecting privacy


  • Expands the ability for the unbanked or people with thin traditional credit histories to apply for and obtain credit and to build their credit history

  • Restores consumer trust and drives consumer engagement

  • Expands available markets by inclusion of non-traditional data

  • Protects consumer privacy and keeps banks in compliance with privacy law


Stopping fraud


  • Establishes data integrity and guarantees it moving forward through two-factor authentication

  • Eliminates new account fraud and account takeovers, and helps fight synthetic ID fraud

  • Makes stolen consumer data worthless to criminals

Credit Bureaus are Broken...

Breaches have exposed all consumer credit data

Your data is no longer private, data integrity has been compromised.

Credit history is not mobile

Credit history is bound by national borders and requires a middleman.

Identity is not a certainty and fraud detection is slow

Confirming that applicant is the recipient is cumbersome, averaging 151 days to detect new account fraud.

Consumers have no control

Consumers have little control over their credit record or who has access to it.

...Here’s the Solution

Encrypted and decentralized

Consumer personal information is now encrypted and decentralized.

Credit history is mobile

Consumers control use of their own credit history and verify new entries through a secure app.

Costs slashed

Operational, regulatory compliance, and fraud detection costs dramatically reduced due to decentralization and consumer attestation.

Creditors can access their customers’ data

Creditors can update and view their customer’s accounts, and, with the customer’s approval, view their full credit history.

How it Works

Consumers should have complete control over their finances, including their credit data. The Secure Credit Systems Platform uses cryptography, blockchain, and mobile and web technologies to store information securely and to control who has access to that information at a granular level. Our process returns control to consumers over their data and guarantees data integrity for creditors.

01. Creditor Submits Request to Check Credit
02. Consumer Grants or Rejects Access
03. Creditor Extends Credit Offer
04. Consumer Accepts or Rejects Credit Offer
05. Creditor and Consumer Manage Account
06. Consumer Can Dispute Records

01.

Creditor Submits Request to Check Credit

When a creditor wants to check a consumer's credit a request is sent to the SCS Platform, which contacts the consumer.

02.

Consumer Grants or Rejects Access

The consumer chooses to grant or deny access to view their credit. Consumers can also choose to allow certain types of credit checks by default.

03.

Creditor Extends Credit Offer

If the creditor wishes to extend credit to the consumer, a request is submitted to the SCS platform to add a credit account to the consumer's records.

04.

Consumer Accepts or Rejects Credit Offer

The consumer can grant or deny the request to add a new credit account. Additionally, they are able to report if the request was unsolicited or fraudulent.

05.

Creditor and Consumer Manage Account

If the offer is approved, an account is created, which the creditor uses to update payment, delinquency, and other status information over time. The consumer can monitor their account or dispute items through the Platform.

06.

Consumer Can Dispute Records

If a consumer disputes a late payment or other disputable record, the consumer can submit that dispute to the creditor through the SCS Platform. Resolution of that dispute will be recorded on the Platform.

Data-Input Agnostic Platform

The SCS Platform recognizes that a consumer’s credit history is multi-dimensional and includes many non-traditional data points. Our platform therefore allows consumers and creditors to store data from traditional sources such as credit cards and mortgages, as well as alternative sources like utilities, mobile phone providers, or alternative loans. Indeed, the platform could be used to store any data over which users need to be able to exercise granular control over who may and may not access that data.

You are not the product - you are in control.

The paradigm has shifted.
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Company Timeline

Early 2017
Dev Work Begins

First MVP developed on Ethereum
Whitepaper drafted

Q3 2017
Patent Application

Provisional patent application filed
Development shifts to Hyperledger
Whitepaper completed

Q4 2017
Stealth Launch

Dev team expanded
NDAs signed with credit bureaus
Key advisors retained

Q1 2018
MVP Complete

MVP complete and further requirements gathering through POCs with early bank partners
Testing agreement signed with credit bureaus
Dev team expanded
Company formed in Delaware

Q2 2018
First POCs

Initial POC agreements
Proof of product market fit in progress

Q3/Q4 2018
Product Market Fit Confirmed

Fit confirmed with POCs and pilot programs rolled out with early bank customers

Q4/Q1 2019
Rollout

Sales and integration with additional partners

Our Team

LinkedIn

Greg Ewing

CEO/CTO

Greg brings a unique blend of software development and legal expertise, ideal for developing software in a legal realm like consumer credit.

LinkedIn

E.J. Hilbert

President

E.J. is the CEO of Path Network and an internationally recognized cyber-crime expert who served in the FBI as a Cyber, White-Collar crime, and Counter-Terrorism Special Agent.

LinkedIn

David Conrad Rocha

Head of Business Development and Partnerships

David is an accomplished business development executive and entrepreneur who has created success in multiple industries.

Advisors

Madhusudan Krishnamurthy

Advisor

VP Engineering at Trusting Social

Michel Massain

Advisor

Founder and President of MINSAD

Phillip Merrick

Advisor

CEO of Fugue

Luis Puerto

Advisor

President of E-Channels, Inc.

Gabriel Diaz

Advisor

Founder/President of GPS Hiring

Max Moyer

Advisor

Principal of Triumph Advisors

Ignacio De Loera

Advisor

Co-Founder - ‎Rever, Inc.
First Sequoia-Funded Mexican Startup