Teller / CreditEmbed in-app credit,
no collateral required.
The loan qualification layer for wallets, exchanges, and web3 apps.
Web3 has one credit primitive: collateral.
The only borrowing surface a wallet or exchange can offer today is overcollateralized lending. Borrow $700 against $1,000 you already have. That works for traders. It does nothing for the long tail of users who walked in to actually get capital: pay down a card, buy a car, fund a business, consolidate debt.
Teller Credit is the missing primitive. We sit between your app and a network of real-world lenders, qualify the user from their wallet and self-reported identity signals, and return an eligibility-checked offer list under whatever brand you want to ship.
Three steps, one API.
Wallet activity across chains, on-chain stablecoin income, optional W-2 / paystub OCR via Claude vision, zk-passport KYC via Self, and read-only exchange connections (Coinbase, Binance, Kraken).
We compute the Teller Score (0 to 1000 across six categories: Swap, Borrow, Apply, Refer, Hold, Income) then layer per-lender eligibility: country, US state, age, residency, minimum income, and loan-type intent.
The eligibility engine returns the lenders the user qualifies with, ranked and deep-linked into each lender with the prequal fields pre-filled. The user lands inside the lender's flow, ready to submit.
A “Credit” tab, without building credit.
Teller Credit gives any web3 surface a credit product without taking on origination, lender contracts, KYC, or compliance. You ship the entry point. We ship everything behind it.
- ✓Hosted flow
Embed the prequal at pro.teller.org/credit or behind your own subdomain
- ✓Compliant
KYC, geo and US-state gates, and per-lender allowlists baked in
- ✓Revenue
Affiliate rev-share per funded loan and per qualified application
- ✓Zero custody
User never sends a token to qualify
One integration. A network of lenders behind it.
Direct integrations with eight lender networks today, including a multi-lender aggregator that fans out across its own tiered buyer base. Coverage spans the US (state by state), Netherlands, Singapore, Philippines, Denmark, and Australia.
Stablecoin payroll is here.
Recurring USDC inflow is a verifiable income signal. For the first time, a wallet is a credible underwriting input on its own, without a bank linkage.
Web3 apps have no credit surface.
Every major wallet, exchange, and onchain app has the user base of a mid-sized bank, but no path from wallet to real-world loan. Credit is a wide-open category in the web3 UX.
Common questions.
How does it work?
The user runs a short prequal flow inside your app. We turn their wallet activity and prequal answers into a credit profile, check it against every lender in our network, and return a ranked list of offers they qualify with. The user picks one, the application is pre-filled, and they submit directly to the lender.
Where do the funds end up?
In the user's own bank account. Teller is not the lender. The chosen lender handles approval and disburses the loan directly to the bank account the user enters during the application. No tokens move through Teller, and the user never sends funds to qualify.
What does the user have to provide?
Standard loan-application fields collected during the prequal: name, address, date of birth, income, employer and pay schedule, bank routing and account, and SSN where the lender network requires it. Sensitive fields are transient. They are sent to the lender on submit and not persisted in Teller's database.
How is this different from on-chain borrowing?
On-chain borrowing requires collateral the user already owns and creates liquidation risk. Teller Credit qualifies the user for real-world unsecured loans against their wallet and identity signals. No collateral lockup, no liquidation, and the proceeds land in fiat in the user's bank account.
How does Teller make money?
Affiliate revenue from the lender network: rev-share per funded loan and a per-qualified-application bounty from each lender. The integrator can take a cut on top, configured per partner.
What does the integrator have to build?
An entry point. A 'Credit' tab, a card on the home view, a deep link. The entry point opens the Teller flow either as a hosted URL under your own subdomain or as an embedded surface. We handle the prequal, the eligibility engine, the lender contracts, and the compliance posture.
What jurisdictions are supported today?
US (state by state, per lender), Netherlands, Singapore, Philippines, Denmark, and Australia. New geographies open up as we add lender networks.
Add a credit layer to your app.
We provide the prequal flow, the eligibility engine, the lender contracts, and the compliance posture. You provide the entry point in your wallet, exchange, or web3 app.