Step 1
Onboarding that doesn’t feel like crypto
Sign in with Google or email. A smart account is created for you — no seed phrase, no browser extension, sponsored gas when you need it.
For borrowers
Capital that meets you where you work — without exposing how much you earn.
No bank branch. No credit score theater. Your activity builds the proof; the protocol returns only what lenders need: a yes or a no — never your ledger.
Outside the banking lane
Designed for informal and digital-first income — stablecoin rails, not payslips.
Privacy by construction
Income is encrypted before it ever leaves your device. Nobody sees your numbers in the clear.
Fast path to funds
When you qualify, disbursement routes to your smart account — automatic, no middle desk.
Your path, step by step
Scroll through the journey — each stage lights up as you move. On large screens the scene stays pinned while the story flows; on your phone, each step carries its own living illustration.
Journey step 1 of 7: Onboarding that doesn’t feel like crypto
Step 2
Your income shows up — encrypted immediately
When you get paid in stablecoin, the app detects the flow. Amounts are encrypted on your device before anything hits the chain. The world sees activity — not your totals.
Step 3
The privacy layer
Homomorphic encryption keeps income as ciphertext on-chain. Lenders never receive your transaction history — only what the protocol is allowed to return later.
Step 4
Ask for the loan
Choose what you need and the term. You’re not uploading payslips or bank exports — you’re requesting funds against encrypted proof the protocol already holds.
Step 5
The black box moment
The gate compares ciphertext to policy. Outcome: Approved or not yet. No one sees the path inside — only the boolean you and the lender are allowed to read.
Step 6
Money delivered
When conditions pass, USDC routes to your smart account automatically — no branch visit, no manual clearing file.
Step 7
Repayment on rails
Installments move on-chain on schedule. Your encrypted history improves with every clean cycle — without exposing past balances to anyone.
Built for people like you
Informal and platform workers across Latin America earn in digital rails — but credit systems still ask for paperwork that doesn’t exist for how you work. Lendi is designed for that gap.
- Mexico City
- Bogotá
- Lima
- São Paulo
- Medellín
Why this feels different
Four ideas that separate informal-worker credit from the old playbook.
No bank in the middle
Programmable escrow and encrypted qualification replace branch logic — you interact with the protocol, not a credit committee.
No traditional credit score
Eligibility comes from encrypted income state and policy — not a bureau file that was never built for your kind of work.
No data exposure
What you earn stays ciphertext on-chain. The story lenders get is what math allows — not your transaction graph.
Backed by protocol rules
Same conditions for everyone. If the gate passes, settlement follows. If not, silent failure protects your privacy.
Borrowers
Get your first loan now
Tell us you’re a borrower. We’ll route you to early access and keep you in the loop as regions open.