A zero-knowledge proof of personhood, carried to Creditcoin by the Attestcoin Protocol and verified on Creditcoin itself. No bridge, no oracle, no admin key — and the credit line follows the person, not the wallet.
Ethereum mainnet and Sepolia
World ID commitments in the relayed roots
One nullifier bound to one wallet
hUSD, uncollateralised
An Attestcoin proof of the real Ethereum transaction, verified by the 0x0FD2 precompile inside the same call.
No pause, no upgrade, no privileged relayer. Every constant is immutable and anyone can relay the next root.
Semaphore Groth16 over the bn128 precompiles, checked against an Attestcoin-anchored World ID root.
The account is the World ID nullifier, so a fresh wallet is not a fresh borrower and a default cannot be shed.
Every credit passport built on one can be forged in a minute. A borrower opens ten wallets, repays themselves ten times, mints ten perfect scores, and defaults on the eleventh loan — thirty projects in this hackathon share that hole.
Four wallets, four spotless repayment histories, one person. The fifth wallet takes the money and the score stays clean, because the score was never attached to anybody.
One Orb-verified human is one leaf in World’s tree and one nullifier on Creditcoin. Bind a new wallet and the history moves with you — including the default that froze it.
Every arrow below is a verification, not a handoff. Nothing in this path asks you to trust an operator.
World's sequencer publishes a new identity tree root roughly every hour.
registerIdentities on the Orb identity manager emits TreeChanged(preRoot, kind, postRoot). That transaction is the only thing Humanline trusts — and it trusts it because it can prove it happened.
A permissionless worker submits an inclusion and continuity proof.
The 0x0FD2 precompile verifies the proof inside the same call, 0x0FD3 enforces a finality depth and 0x0FD4 a quorum of attestors. No bridge signed it, no oracle reported it, no multisig approved it.
World App — or the staging simulator — produces a Semaphore proof bound to your wallet.
HumanRegistry verifies the Groth16 proof on Creditcoin against an Attestcoin-anchored root and binds your nullifier to your address. Your identity never leaves your device.
Borrow, repay on time, and the limit grows 25%.
Miss a deadline and the line freezes on every wallet you ever bind. Re-bind to a new wallet and the history follows, because the nullifier is the account.
Lenders cannot lend against on-chain history until that history belongs to somebody who cannot walk away from it by generating a new key.
Creditcoin's founding mission, with the one missing primitive supplied: proof that the borrower is a person.
Orb-verified through World App in 2025. Sells phone accessories, paid in M-Pesa and USDC. No bank credit file anywhere.
She wants a 50 USD working-capital line she can grow by repaying on time — with no collateral, no oracle operator to trust, and no sybil farm able to impersonate her.
World ID has 13M+ Orb-verified humans, concentrated in Kenya, Argentina, Indonesia, the Philippines, Brazil and Malaysia — Creditcoin's markets.
Runs BNPL for a million Nigerians and already records loans on Creditcoin through Credal.
Wants a trustless answer to “is this borrower a unique human, and what is their Humanline history?” before extending anything uncollateralised.
Two view calls answer it: isHuman(address) and lineOf(humanOf(address)). No API key, no integration call, no trust.
Every claim here resolves to a value you can read off the chain, a command you can run, or a transaction you can open in a block explorer.
No pause, no upgradeability, no privileged relayer. Every constant is an immutable or a constructor argument.
WrongSourceChain, SourceTxReverted, NotIdentityManager, UnknownPreRoot, NotFinal, ThinQuorum, OverLimit — each with a test that fires it.
Ethereum mainnet World ID roots, published hourly by World's sequencer and verified by the 0x0FD2 precompile in every relay transaction.
hUSD is a test stablecoin, lender deposits are testnet funds, and demo loan terms are minutes long so a full cycle fits in a video. We say so on every page it matters.
Verify once with World ID, open a line, and carry it with you. It takes about a minute on the staging tree — and you can check every claim on this site without connecting a wallet at all.