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On-chain credit scoring based on your behavior, not your history. Access loans without banks, bureaus, or borders.
Traditional credit scoring requires years of banking history, a social security number, and geographic stability. Half the world's population doesn't qualify.
No formal credit history or scoring available
Unmet micro and small business lending demand globally
Percent of loan applications rejected in emerging markets
Your XYLOS credit score is computed from on-chain behavior — no paperwork, no waiting, no bias.
Volume, frequency, and consistency of on-chain transactions
Loan repayment history within the XYLOS ecosystem
Portfolio value, diversification, and stability over time
Contribution reliability in savings circles
Duration and activity level of XYLOS account
Vouches from other users, referral network quality
Higher scores unlock better terms, lower collateral, and larger loan sizes.
Micro-loans up to $100, basic Circle participation
Loans up to $1,000, reduced collateral (80%)
Loans up to $10,000, 50% collateral, premium rates
Loans up to $50,000, 25% collateral, best rates
Uncollateralized loans up to $100,000, institutional rates
No minimum balance. No credit check. Just sign up and start building.