VeilCredit
VeilCredit is a privacy-preserving lending protocol where collateral, solvency, borrowing, repayment, and withdrawal are fully unlinkable on-chain.
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Description
What is Veil Credit
Veil Credit is a zero-knowledge native lending protocol
that enables private on-chain credit without revealing identity, balances, or collateral.
Users interact with the protocol using cryptographic proofs instead of exposing financial data.
Why It’s Needed
DeFi lending today is fully transparent by default.
Every loan publicly reveals:
Who is borrowing
How much collateral they hold
When they repay or become liquidatable
This makes users vulnerable to surveillance, profiling, and targeted liquidation.
Credit cannot be truly usable on-chain as long as it exposes everything.
What It Solves
Veil Credit removes data exposure from lending.
No identity disclosure
No balance visibility
No collateral amount leakage
The blockchain verifies permission, not information.
How It Works
Commit
Users deposit collateral and submit a cryptographic commitment on-chain.Prove
Borrowing, repayment, and solvency are executed by submitting zero-knowledge proofs
that show rules are satisfied without revealing data.Enforce
Smart contracts verify proofs and automatically enforce lending and liquidation logic.
The chain never sees user data.
It only verifies correctness.
Veil Credit brings private, trustless credit to DeFi by replacing data with proofs.