What if your bill payments
counted toward what you can borrow?
That's what Groundwork does. Prove a bill payment, and the collateral you need to borrow drops.
Earn credit. Risk less.
Undercollateralized
Starts at 300% collateral. Every verified payment steps it down 20 points, toward a 110% floor.
Verified On-Chain
Every payment is attested via the Attestcoin Protocol and checked on Creditcoin before it counts.
Your History, Your Rate
The more you prove, the less you need to lock up. Real payment history becomes real credit.
Transparent by Design
The full verification path is on-chain. Every attestation, every replay check, happens transparently, not behind an API.
Your Rate, Your Terms
No lock-up periods, no staking. Your collateral ratio moves only when you have new verified history to show for it.
How it Works
A bill gets paid on Sepolia.
Rent, a utility bill. Pay it like you always do. Groundwork watches for it.
The payment is verified on-chain.
The Attestcoin Protocol attests the transaction and carries the proof to Creditcoin for verification.
- chain
- sepolia → creditcoin
- status
- verified
Your required collateral drops.
Each verified payment steps the ratio down 20 points, from 300% toward a 110% floor.
Where this goes
from here.
Decentralized validator network
Lender marketplace
Real biller integrations
Full KYC