Stratifi

Stratifi integrates MoCA’s AIR Kit to enable decentralized identity-based lending through email-linked smart accounts. Users authenticate via email using AIR Kit’s Single Sign-On (SSO) SDK. This lowers the entry barrier and enables a smoother, Web2.5-style experience.

Once signed in, users upload key documents (income proof, identity, bank statements). These are used to issue W3C-compliant Verifiable Credentials (VCs) via MoCA’s Credential SDK. Based on these credentials, Stratifi computes a creditworthiness score and allocates appropriate borrowing limits.

Institutions and DeFi protocols can verify, purchase, or underwrite these VCs, enabling a secondary market for identity-based credit scoring and new underwriting primitives in DeFi.

🌟 Key Features

• Verifiable Credential Issuance: Upon document upload, users receive standardized VCs (e.g., proof of income, KYC status).

• Credit Scoring Engine: Stratifi calculates a lending score using submitted credentials and sets borrowing caps accordingly.

• VC Marketplace Potential: DeFi lenders and insurance protocols can verify and purchase VCs to extend capital to identity-verified users.

• User Ownership: All credentials are held by users and can be reused across DeFi platforms, not just Stratifi.

📈 Why It Matters

• Over 130B in idle stablecoins sits unutilized, partly due to the lack of undercollateralized lending options in DeFi.

• 5+ million non-crypto-native users could enter DeFi if given Web2-style onboarding and trust-based credit models.

• Verifiable Credentials unlock composable creditworthiness, moving beyond wallet history to real-world identity-based finance.

• DeFi protocols can now assess users by income and KYC documents—not just on-chain activity—leading to safer lending markets.