Two-sided trust infrastructure
Lendi replaces institutional judgment with programmable rules. The answer comes from math, and it is identical for every borrower, every time.
Borrower guarantee
Prove what you earn. Reveal nothing.
Lender guarantee
Deploy capital. Risk nothing unprotected.
47M
informal workers across LATAM with income but no payslip-native credit profile
Yes/No
single qualification output for lenders, never full borrower data
2-sided
guarantees delivered simultaneously to borrowers and capital providers
Traditional lending asks one side to absorb uncertainty. Lendi makes eligibility and risk controls protocol-native so borrowers can keep privacy while lenders keep discipline.
Borrower side
Prove repayment capacity without disclosing full transaction history, counterparties, or monthly cash snapshots.
Lender side
Underwrite with deterministic protocol outputs, not spreadsheet-heavy borrower data custody.
Shared guarantee
Neither side trusts the other side personally. Both trust the same protocol path and cryptographic rules.
Switch between viewpoints and model qualification dynamics in real time.
Proof without exposure. Credit without surveillance.
Data shared with lender
0 private fields
Income gets encoded into encrypted state on-chain and remains private by default.
The protocol compares encrypted values and returns a qualification signal, not raw financial history.
Escrow and settlement release funds only when cryptographic conditions pass.
Protection mechanisms can cover lender exposure while borrower details remain private.
Lead partner conversations with two-sided trust infrastructure, not borrower privacy alone.
For borrowers
“I can prove repayment capacity without exposing who pays me, how often, or how much I keep in my wallet.”
Independent courier, Medellin
For lenders
“We can underwrite with deterministic protocol signals while reducing personal-data custody risk.”
Community lender pilot, Colombia
Payment rails and verified signals that anchor income capture.
Escrow and condition resolution patterns for disciplined release logic.
Encrypted computation on mutable state, made practical for EVM flows.
Interactive
Walk through worker registration, encrypted income, and lender-side proof on Arbitrum Sepolia with the same flows we describe on this page—wallet, simulation, and on-chain calls included.
Testnet only
No real funds. The UI simulates transactions before opening your wallet so you can see failures early.
Build borrower trust and lender confidence in one system.