01
Connect your wallets
Link the wallets and stablecoin income you already use, read-only. Nothing is locked and nothing moves until you choose to borrow.
Instant access to credit for those that earn in stablecoins or hold crypto, no collateral, no credit score.
Link the wallets and stablecoin income you already use, read-only. Nothing is locked and nothing moves until you choose to borrow.
Velora reads your onchain history, what you hold, earn and repay, into a single score. The credit file banks never see.
Borrow USDC instantly against that score, not your assets. It sets your limit, with nothing to lock up or liquidate.
Draw USDC to your wallet or crypto card, then repay on your statement schedule. Every repayment builds your UV score and unlocks a higher limit.
Velora Credit is designed around wallet-first financial privacy. Connected wallets are accessed on a read-only basis for credit assessment. Velora does not move, lock, or transfer assets simply because a wallet is connected.
We collect on-chain wallet addresses, public transaction activity, stablecoin balance history, and repayment records. Email addresses are collected solely for account updates, early access notification, and statement reminders.
Your data is used strictly to calculate your on-chain credit score (UV Score), determine eligible borrowing limits, prevent fraudulent activity, and comply with applicable regulatory requirements. We implement strict technical controls to protect user data.
By accessing Velora Credit and connecting a digital wallet, you agree to comply with these terms. Velora Credit provides a digital interface for eligible users to access decentralized, stablecoin-based credit products.
Access to credit products may depend on your jurisdiction, risk assessment, product availability, and applicable laws. Connecting a wallet does not guarantee credit approval, a specific limit, or borrowing access.
Nothing on this platform constitutes financial, tax, or investment advice. Users are responsible for evaluating applicable credit terms and managing their wallet security prior to drawing credit.
Credit limits are calculated dynamically using an algorithm evaluating transaction history, stablecoin income, asset holdings, and historical repayment performance.
Late or missed payments will negatively impact your UV Score and may result in reduced limits or suspension of borrowing privileges.