CredPass
Your Wallet History is Worth More Than You Think
Created on 29th January 2026
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CredPass
Your Wallet History is Worth More Than You Think
The problem CredPass solves
The Problem:
Traditional credit systems exclude 1.7 billion people worldwide students, freelancers, gig workers, and Web3-native users, who lack bank accounts or formal credit histories. Centralized credit bureaus are opaque, slow (weeks to build credit), and punish those without traditional employment. The crypto-active population has $2.5T in on-chain value but zero financial recognition.
Our Solution:
CredPass creates a decentralized reputation layer using verifiable on-chain activity as proof of credibility.
How It Works:
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Multi-Chain Analysis: We scan user wallets across 20+ EVM chains (Ethereum, Polygon, Base, Arbitrum, Optimism, etc.) using Alchemy's API to fetch transaction history and calculate wallet age.
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Tier Calculation: Backend aggregates metrics (deduplicates transactions by hash) and determines eligibility:
- Verified: 7+ days old, 5+ transactions
- Trusted: 30+ days, 20+ transactions
- Elite: 90+ days, 50+ transactions
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Soulbound NFT Minting: Users mint a non-transferable ERC721 credential on Sepolia. EIP-712 cryptographic signatures from our backend prevent fraud users can't fake their tier.
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Instant Access: NFT holders unlock tiered AI services (PRD Generator, Research Agent, Smart Contract Creator) with x402 micropayments. No KYC, no waitlists.
Key Benefits:
✅ Financial inclusion for 1.7B unbanked but crypto-active users
✅ Privacy-first: Only tier published on-chain, not raw transaction data
✅ Instant verification: <2 minutes from connection to credential
✅ Tamper-proof: Solidity + EIP-712 signatures ensure security
✅ Multi-chain: Reputation built across entire Web3 activity, not just one chain
Challenges I ran into
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Multi-Chain Data Aggregation: Fetching and deduplicating transaction data across 6+ chains (Ethereum, Polygon, Base, Arbitrum, Optimism, Sepolia) in real-time was complex. We solved this using Alchemy's parallel RPC calls and client-side deduplication by transaction hash.
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Soulbound NFT Transfer Prevention: Implementing truly non-transferable NFTs required overriding the ERC721 "_update" hook with custom revert logic, which broke some standard tooling expectations. We fixed this with extensive unit tests (123 tests, 100% pass rate).
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EIP-712 Signature Debugging: Getting the domain separator and typed data to match between frontend (viem) and backend (Solidity) was error-prone. We resolved this by logging the domain hash on-chain and cross-verifying with JavaScript.
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Vercel Build Errors: TypeScript strict mode flagged deprecated props in Thirdweb v5's ConnectButton. Fixed by removing "showThirdwebBranding" from the top level and keeping it only in "connectModal".
Tracks Applied (1)
Ethereum Track
ETHIndia
Cheer Project
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