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Seamless Crypto Credit Unleashed

Zero-Collateral Onchain Cards – Wallet History to Credit for Easy Spending

Zero-Collateral Access to Funds

Cero eliminates the need for collateral or asset liquidation, providing revolving credit lines based on your onchain creditworthiness for seamless global spending.

Onchain-Native Credit Building

Transform your wallet activity, DeFi history, and repayment behavior into a gamified credit score that unlocks better terms and perks over time.

Cero's Features

Cero Score Integration

Deploy and iterate faster with a runtime built for low-latency, high-frequency AI interactions.

Cero Score Integration

Deploy and iterate faster with a runtime built for low-latency, high-frequency AI interactions.

Evolutionary Credit Layer

Start with a user-friendly app and evolve into a fully onchain, non-collateralized credit protocol with composable yield assets.

Gamified User Experience

Earn XP points, ascend levels from Bronze to Platinum, and unlock rewards through timely spending and repayments for engaging credit building.

Gamified User Experience

Earn XP points, ascend levels from Bronze to Platinum, and unlock rewards through timely spending and repayments for engaging credit building.

Real Credit Card Utility

Get a physical or virtual card with revolving limits for everyday global expenses, bridging crypto holdings to real-world purchases.

Multi-Underwriting Layers

Combine onchain, offchain, and real-time spending analysis for accurate, low-default lending.

Multi-Underwriting Layers

Combine onchain, offchain, and real-time spending analysis for accurate, low-default lending.

Market-Funded Liquidity

Stablecoin vaults attract market participants seeking yields, funding your credit lines efficiently without traditional banking barriers.

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