Trust-based lending, on Monad
Borrow on trust,
not just collateral.
Vera turns verified identity into borrowing power. Prove who you are once, get a credit line priced to your reputation, settled on-chain.
Your reputation
is collateral.
Undercollateralized lending for wallets that can prove themselves.
Up to 90% LTV
Borrowing power scored on trust
Non-custodial
Your keys, your collateral, always
CVI verified
Identity proven, never disclosed
CVA gated
Compliance checked on every draw
You could just say
“I had no borrow history. Vera gave me a line anyway.”
Vera scored this wallet 812 and opened at 78% LTV
A credit record that
can't be edited.
Vera turns a verified identity into a score, and the score into a line. The trail is permanent: you hold the numbers, not the marketing.
- Signed
- Every CVI attestation carries its issuer's cryptographic signature.
- Recorded
- Every score, draw, and repayment is written to Monad. Nothing is edited after the fact.
- Open
- Anyone can audit a wallet's full trust and repayment history on-chain.
From a wallet
to a credit line.
No forms, no underwriters, no waiting. Three steps, and the terms are yours before you sign anything.
- 1
Verify once with CVI
Connect your wallet and prove your identity through Cleanverse. Vera reads the attestation, never your documents.
- 2
Get your trust score
Identity, on-chain history, and repayment behaviour combine into one score. Identity carries 30% of the weight.
- 3
Borrow at your LTV
A higher score unlocks a higher loan-to-value. Every draw clears a CVA compliance check before it executes.
- Non-custodialYou keep your keys
- On MonadTestnet, mock assets
- CVI verifiedIdentity attested, not stored
- CVA gatedCompliance on every draw
Built for your first draw,
and your hundredth.
Lending without the jargon
Say what you need. Vera answers with a number, a rate, and the liquidation price, in plain words.
Trust 812 · LTV 78% · 5.2% APRTrust you can check
Every input to your score is published and weighted in the open.
- Identity (CVI)
- 30%
- On-chain history
- 45%
- Repayment record
- 25%
Real collateral, held by you
Supply mUSDC, mETH, or mWBTC. The pool never takes custody, and you can withdraw whatever isn't backing a draw.
Up to 90% LTV, zero gatekeepers
Anonymous wallets stop at 45%. Prove yourself once and the ceiling moves, with no application to file.
90% LTV
Built on
Vera settles on Monad. Identity attestations are issued by Cleanverse through CVI, and compliance checks run against CVA. Collateral assets on testnet are mock ERC-20s, not claims on real assets.
Questions you'd
actually ask.
Straight answers, in the same plain words Vera uses.
Mock ERC-20 assets on Monad testnet — mUSDC, mETH, and mWBTC. They behave like the real thing for the purposes of the protocol, but they carry no value outside the testnet.
Cleanverse Identity. It issues a signed attestation that a wallet belongs to a verified person, without revealing who that person is. Vera reads the attestation and uses it as the identity component of your trust score.
Cleanverse Asset compliance. Before any draw executes, Vera checks the borrowing wallet against CVA. If the wallet fails, the contract refuses the draw rather than flagging it after the money has moved.
Three inputs: your CVI identity attestation carries 30% of the weight, your on-chain history 45%, and your repayment record 25%. Every weight is published, and the score is recomputed on-chain.
You can still use Vera. You just borrow as an anonymous wallet, which caps you at 45% loan-to-value instead of up to 90%. Nothing is withheld from you except the higher ceiling.
No. The pool is non-custodial. Your collateral sits in a contract you can exit at any time, minus whatever is currently backing an open draw.
If your health factor falls below 1, your collateral can be liquidated to cover the debt. Vera shows the liquidation price before you draw, not after.
Not yet. Vera runs on Monad testnet with mock assets. Treat it as a working demonstration of trust-based lending, not a place to put funds.
Your credit line is
one proof away.
Connect a wallet, verify once, and see what your reputation is worth. Testnet assets, real contracts.