Vertias

Credit for the people the system can't see — backed by who you are, not what you own. Veritas is an undercollateralized lending protocol that gives real people a fair cash advance against income they've already earned — with zero collateral and no credit history required. A borrower proves they're a unique human, a private AI underwrites their real income inside a sealed enclave (so the numbers are never exposed to anyone), and USDC is disbursed in seconds on Arc. Repayment is routed automatically out of future income, and every loan builds a portable, identity-bound credit passport. Built at ETHGlobal 2026, Veritas combines proof-of-personhood, confidential AI underwriting, zero-knowledge proofs, and programmable stablecoin settlement into one product where your verified identity is the collateral.