A universal, blockchain-based credit system that travels across borders, chains, and applications. Build your global score. Borrow anywhere. Own your financial identity forever.
The Problem
Credit today is fragmented and unfair. Move countries and you start from zero. On-chain, you can’t borrow without heavy collateral. Billions are excluded because trust isn’t measured globally. LOCAL fixes this.
The Problem
Credit today is fragmented and unfair. Move countries and you start from zero. On-chain, you can’t borrow without heavy collateral. Billions are excluded because trust isn’t measured globally. LOCAL fixes this.
The Problem
Credit today is fragmented and unfair. Move countries and you start from zero. On-chain, you can’t borrow without heavy collateral. Billions are excluded because trust isn’t measured globally. LOCAL fixes this.
The Solution
LOCAL builds the first borderless, reputation-based credit system. Grow credit once, use it everywhere, and unlock undercollateralized borrowing with a global, user-owned financial identity.
The Solution
LOCAL builds the first borderless, reputation-based credit system. Grow credit once, use it everywhere, and unlock undercollateralized borrowing with a global, user-owned financial identity.
The Solution
LOCAL builds the first borderless, reputation-based credit system. Grow credit once, use it everywhere, and unlock undercollateralized borrowing with a global, user-owned financial identity.
how it works
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Verify your identity privately
Using zero-knowledge proofs to ensure you’re real, without revealing your data.
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Verify your identity privately
Using zero-knowledge proofs to ensure you’re real, without revealing your data.
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Verify your identity privately
Using zero-knowledge proofs to ensure you’re real, without revealing your data.
How to establish credibility with customers
Credibility
Credibility
Global Credit Card
The LOCAL Card
A crypto-native card where your limit increases or decreases automatically as your LOCAL Score improves. Funding powered by the crypto community, who needs a bank with millions of users can finance you and earn amazing yield in the process.
Reputation-Based Loans
Loans powered by trust, not paperwork
Borrow without collateral. Fair rates. Instant approval for any purpose. Possible now with LOCAL P2P lending.
Buy Now, Pay Later
Easy payments, no stress
Use your LOCAL Score to split payments across any real world marketplace.
Borderless Opportunity
Global access, zero friction
Take your financial identity across borders without starting from zero.
Microloans for Students & Entrepreneurs
Small loans that spark big futures
Transparent, community-backed financing based on real behavior.
Global Credit Card
The LOCAL Card
Reputation-Based Loans
Loans powered by trust, not paperwork
Buy Now, Pay Later
Easy payments, no stress
Borderless Opportunity
Global access, zero friction
Microloans for Students & Entrepreneurs
Small loans that spark big futures
Why LOCAL Wins
Benefits
Benefits
Universal
Your credit score no longer depends on where you live.
Universal
Your credit score no longer depends on where you live.
Universal
Your credit score no longer depends on where you live.
Private
Zero-knowledge identity ensures compliance without giving up privacy. No more fear of identity theft.
Private
Zero-knowledge identity ensures compliance without giving up privacy. No more fear of identity theft.
Private
Zero-knowledge identity ensures compliance without giving up privacy. No more fear of identity theft.
Instant
Borrowers are underwritten in seconds using real behavioral data.
Instant
Borrowers are underwritten in seconds using real behavioral data.
Instant
Borrowers are underwritten in seconds using real behavioral data.
Intelligent
Machine learning analyzes repayment patterns responsibly, with fairness checks and bias mitigation.
Intelligent
Machine learning analyzes repayment patterns responsibly, with fairness checks and bias mitigation.
Intelligent
Machine learning analyzes repayment patterns responsibly, with fairness checks and bias mitigation.
Composability
Any fintech app, DeFi protocol, wallet, or marketplace can integrate the LOCAL Score.
Composability
Any fintech app, DeFi protocol, wallet, or marketplace can integrate the LOCAL Score.
Composability
Any fintech app, DeFi protocol, wallet, or marketplace can integrate the LOCAL Score.
Interoperable
Works across chains, apps, wallets, and countries without rebuilding identity every time. Your reputation becomes an asset you can carry anywhere.
Interoperable
Works across chains, apps, wallets, and countries without rebuilding identity every time. Your reputation becomes an asset you can carry anywhere.
Interoperable
Works across chains, apps, wallets, and countries without rebuilding identity every time. Your reputation becomes an asset you can carry anywhere.
User-Owned
Your score, your data, your identity. No centralized bureau can freeze, sell, or control it. LOCAL makes credit something people own, not institutions.
User-Owned
Your score, your data, your identity. No centralized bureau can freeze, sell, or control it. LOCAL makes credit something people own, not institutions.
User-Owned
Your score, your data, your identity. No centralized bureau can freeze, sell, or control it. LOCAL makes credit something people own, not institutions.
FAQS FROM THE LOCALS
FAQs
FAQs
FAQs