---
description: >-
  Credible's OracleAI is an AI-driven wallet scoring system that anonymously
  evaluates crypto creditworthiness using on-chain data, optimizing LTV ratios
  and enabling no-collateral lending.
---

# Consumer App

The **Credible Consumer App** is the central hub for users to access decentralized credit, manage their cards, grow their onchain reputation, and unlock real-world financial services—without selling their crypto. Designed with a Web2-style experience and Web3-native infrastructure, the app blends usability, security, and composability into a powerful personal finance tool.

#### 🔑 Key Features

**1. Multi-Tier Credit Card Management**

* Instantly access and manage your **Genesis**, **Rewards**, or **Ascend** card
* View available credit, payment due dates, usage history, and rewards
* Spend with **virtual or physical cards**, with global acceptance via major networks

**2. Top-Ups & Collateral Dashboard**

* Seamlessly **top up stablecoins** (e.g., USDC, USDT) for Rewards Card use
* Stake assets like **$CRED**, **SOL**, **BTC**, or **0G** for Genesis or Ascend Cards
* Monitor **staked value**, **LTV ratios**, and **liquidation thresholds** in real-time

**3. Onchain Credit Building with Credible Score**

* Track your live **Credible Score**, powered by AI and zkOracles
* Improve your score by making on-time payments, spending responsibly, and maintaining good staking behavior
* Unlock **no-collateral credit** and premium benefits as your score grows

**4. Rewards & Airdrops Hub**

* Earn **Bitcoin and $CRED cashback** on all eligible transactions
* View and claim **airdrops** for being a cardholder, airdrop recipient, or Moon NFT holder
* Access limited-time promotions, loyalty campaigns, and partner reward boosts

**5. In-App KYC & Card Activation**

* Complete **KYC securely and swiftly** with built-in verification partners
* Activate your card and credit line immediately after verification
* Receive instant virtual card issuance—physical cards are available upon request

**6. Bill Payments & Merchant Utility**

* Pay for subscriptions, utilities, business services, and merchants directly from the app
* Track your expenses, categorize spending, and automate recurring payments
* Use stablecoins or fiat balance, powered by Credible’s regulated infrastructure

**7. Personalized Insights & Smart Notifications**

* Get **AI-based insights** to optimize your credit usage and grow your score faster
* Receive alerts on payments due, liquidation risks, reward drops, and credit line upgrades
* See eligibility for **card tier upgrades**, new staking options, and no-collateral offers

#### 🌍 Who Can Use It?

* **Web3 users** looking for real credit without selling their crypto
* **New-to-credit users** building their first financial identity
* **Crypto earners** seeking fiat utility with stablecoin or token income
* **Moon points and $CRED holders** unlocking exclusive perks, bonuses, and free cards
* **DeFi natives** who want to stake and spend in one seamless flow

#### 🔐 Built for Security & Sovereignty

* **Non-custodial staking and liquid collateral management**
* **zkOracle-backed scoring** with verifiable data trails
* Compliant infrastructure with **KYC/AML** in supported markets
* Cross-platform access (mobile-first, browser wallet support coming soon)

#### 🚀 Future Plans

* Fiat off-ramp integration with local partners (India, UAE, LATAM)
* BNPL and microloan options for eligible users
* Credit automation via smart wallet triggers
* Community-based referral and loyalty tiers

The **Credible Consumer App** is your smart wallet for credit—giving you tools to spend, earn, stake, and grow across the decentralized economy. Whether you’re building your credit from scratch or maximizing your token utility, the app puts powerful financial infrastructure in your hands.
