Kite Credit

A universal credit score, because credit shouldn't stop at the border

[Kite Credit @kitecredit]

Legacy credit bureaus have a 3,000 mile blind spot. Whether you're a student with a "thin file," a gig worker, or a DeFi native, you shouldn't have to start from zero. You’ve earned your credibility; you deserve to own it.

I’m submitting Kite Credit to the @Pumpfun hackathon as a solo dev out of Cornell. I’m 100% committed to pushing frequent updates to solve a problem I've faced personally, and seeing this through until your reputation is as portable as your wallet.

Stop starting from zero. Land anywhere. Take off immediately. 🪁

@toly @solana @Pumpfun

[Kite Credit @kitecredit]

pretty exciting update! kite scores are now backed by natively verifiable ecdsa signatures using viem. so, smart contracts can now ingest and verify a borrower's score directly on-chain via ecrecover. it’s fully trustless.

also deployed a score freshness orchestrator. A cron now sweeps for stale profiles, pulls fresh data, and fires score. updated webhooks to lenders.

live, verifiable, and always up to date. the foundation for true crypto-native credit is here.

stream later this week to go over the progress. details soon.

[Kite Credit @kitecredit]

an honest update:

haven’t updated in a week as things have been heavy with my family in the middle east. i want to keep it real with the community, but we’re back to work now.

we’re currently expanding the team to ensure more frequent updates and more reliable outputs. also looking to add even more chains soon, users on @base, @arbitrum, and @polygon all deserve to have a kite score.

beyond that, we’re refining the system to include specialized workflows for agents to get kite credit scores too. the immediate biggest win is getting the community access to undercollateralized loans via @kitecredit, and we’re working behind the scenes to bring that vision to life.

more info soon.

[Kite Credit @kitecredit]

just wrapped the week 2 stream on https://t.co/VNyKxkoms4.

we are focusing on foundations right now. the dev team is expanding to ensure we are production ready before mass adoption hits. This is how you build products that actually stick.

the platform is officially ready for lenders. documentation is live and everything is set for the first wave of users.

what is coming next:

- on chain attestations will verify credibility through smart contracts.

- more chains, a better UX, and more ways to verify your credibility.

- we are enabling real world credit in both directions.

- DAO and treasury underwriting are in the works longer term.

[Kite Credit @kitecredit]

live now at https://t.co/b4g2zSiHyB

come through, hear about what we've been up to since the last stream, build with me, and hear about where we plan to go from here.

[Kite Credit @kitecredit]

buyback ✔️

we’re back 🪁

https://t.co/PiuqMoTNSo

[Kite Credit @kitecredit]

livestream tomorrow 3pm EST on https://t.co/VNyKxkoms4!

looking forward to filling you in on progress we’ve made since the last stream, hearing from the community on what we should do, and some live building.

come through, hang out, and stay tuned for big things with @kitecredit.

[Kite Credit @kitecredit]

kite’s only flying higher from here.

- we’re expanding our dev team. more frequent updates, more reliable outputs

- soon looking to add even MORE chains (@base @arbitrum @polygon users all deserve to have a kite score)

- refining the system to include further specialized workflows for agents to get kite credit scores too.

immediate biggest win is getting the community access to undercollateralized loans via @kitecredit, and working behind the scenes to bring that vision to life.

I want to hear from the community and user base much more though, what are you guys hoping to gain or see from kite credit?

oh also, *back on stream this saturday*, more info soon.

[Kite Credit @kitecredit]

@kitecredit is going cross chain. ⛓️‍💥

just pushed the engine updates to bring ethereum into our system.

- multi-chain signal: we’re now blending solana + ethereum activity. the engine handles address auto-detection and merges scores based on signal strength (up to a 95/5 skew).

- deep eth analytics: on-chain analyzer is live, tracking wallet age, aave v3 liquidations, and activity across uniswap, compound, and lido.

- lender transparency: added a full 5-factor fico breakdown for authenticated lenders. if you're underwriting, you now see exactly where the signal is coming from across both chains.

- seamless linking: users can now link eth wallets via metamask/injected providers directly in the dashboard to boost their credit profile.

the goal is a unified credit identity that follows you regardless of which platform you use. engine done, finishing touches soon.

@aave @Morpho @compoundfinance

[Kite Credit @kitecredit]

the @kitecredit lender experience has never been easier.

integrating with kite credit should be seamless and easy, and we finally made it so:

- self serve auth + instant key rotation: no more recovery headaches. re-authenticate or swap keys in one click.

- full webhook visibility: added synthetic test payloads and 20-run delivery logs with status codes to stop guessing if the webhooks work.

- inline docs: every rate limit, tier threshold, and code snippet (curl/python/fetch) is now built directly into the dashboard.

no more operating blind. lenders can now register, test, and scale their integrations without us ever touching a thing.

the infrastructure is officially ready for real world partners.

[Kite Credit @kitecredit]

The framework for full b2b integration with @kitecredit is set.

- api keys and per-lender rate limiting are live
- webhooks are up with auto-retries (protocols can finally subscribe to score updates)
- batch lookups for scanning entire debt pools at once
- added full database integration tests to the ci/cd pipeline so nothing breaks in prod

the core engine is fully wired up now

big things to come.

@toly

[Kite Credit @kitecredit]

Shipped the most important thing we've built for kite credit, not a feature, infrastructure.

- Lenders and DeFi protocols can now look up a borrower's kite score directly from their wallet address. one API call. no back and forth with the borrower.

- Also shipped `/lend`, a verification portal where any lender can paste a wallet address and instantly see if someone is creditworthy. Full integration guide included. A protocol can go from discovery to live in 10 minutes.

- Scores expire on a 90 day window, same standard traditional mortgage underwriters use. Lenders always know if a score is fresh or needs a refresh.

148 unit tests. the logic is locked.

Here's why it matters: a credit score only you can see is a resume. a credit score lenders can query on-demand is infrastructure. That's the difference between a cool product and a protocol.

we're building the protocol.

next: API keys for lenders, webhooks, bulk lookup.

[Kite Credit @kitecredit]

Just wrapped on https://t.co/VNyKxknOCw. Great first stream for those who missed it:

- Where kite is at: scoring pipeline is live, on-chain + github + bank data all feeding into one your verified score.

- What's next on the build: finishing the bank verification layer, score freshness + auto-refresh, agent mode for AI wallets, multi-chain support (beyond Solana)

- Where this is going: undercollateralized lending for high scorers is the big one, if you've got 2 years of clean on-chain history why are you still posting 150% collateral. integrating with lending protocols to fix that

- Also: SBTs as your on-chain score identity, governance weighting by tier, and the RWA angle, as crypto natives who can't show a W-2 but have a verifiable track record deserve access to real world credit too

Love the energy in the community. Stay tuned. 🪁

[Kite Credit @kitecredit]

Live on https://t.co/Gc7DsN97Wq right now 🪁

come hang, going to cover:
• q&a (ask me anything)
• what we're building with kite and why
• where this is all going + roadmap

link: https://t.co/b4g2zSiHyB

[Kite Credit @kitecredit]

Also shipped one small change that has pretty huge implications.

Any protocol, DAO, or lender can now verify a kite credit score with a single API call. no user in the loop. no SDK. no sales cycle.

GET kite./api/verify/abc123
→ { valid: true, score: 742, tier: "Strong" }

This also means AI agents can get credit scores and verify each other. agents already hold wallets, stake, and lend on-chain, they just have zero credit infrastructure.

Now they will.

https://t.co/drUXjYX4vi

[Kite Credit @kitecredit]

I’m not interested in building a ghost protocol. I spent the night hardening the tech to get us a step closer to universal, portable credibility.

Zoned in on the crypto side tonight, but more coming on the dev and traditional bank side soon. The scoring is way more granular now. We’re tracking 11 protocols like Marginfi, Drift and Jito to reward DeFi diversity and LST synergy while accounting for liquidations. Also overhauled the auth and attestation logic to make the whole system much more solid.

Exploring two main paths for $KITE utility:

- Governance: Letting holders determine the scoring algorithm weights.

- SBT Credentials: A permanent, on-chain way to prove your reputation beyond a social link.

I’m building this for the long-term, not the noise, so I want to hear what you actually want to see from the product and token alike.

Dev talk and Q&A today (Sat) at 3PM EST on @Pumpfun. Bring the questions, looking forward to answering them. 🪁

[Kite Credit @kitecredit]

Pushing a core update later tonight that moves us closer to the vision of a truly portable reputation. This isn't just about my roadmap, it's about building the financial layer this space actually needs.

I want to know what you guys want to see next. We’re building this for the founders, the defi natives, and the invisible millions the legacy credit bureaus ignore.

Going live tomorrow (Sat) at 3PM EST on @Pumpfun for a full Q&A and demo. Come through, let's talk shop, and tell me what features we should be prioritizing.

The flight is just beginning. 🪁