Lendoor is a decentralized money market that unlocks small uncollateralized loans for gig and informal workers in Latin America. We use zero-knowledge proofs to turn verified identity and income into reusable on-chain reputation.

Provide fair credit access and transparent rates for unbanked and underbanked people working in informal and digital economies.

In Latin America, millions of riders, drivers and freelancers work for years through apps like Uber or Rappi, with all their income already flowing through digital wallets. Yet even after 5–10 years of stable work, they still cannot access a simple USD 200–300 loan at a fair rate because banks ignore “informal” income and traditional lenders are often predatory. Lendoor turns this invisible work and repayment history into real borrowing power.

We verify the digital income fingerprint of gig and informal workers to unlock fair, uncollateralized credit.
Using zero-knowledge proofs, users privately verify their identity and, over time, their income flows without exposing raw personal data. Lendoor turns these signals into an on-chain credit score so loans can be priced on risk instead of collateral, while lenders supply liquidity to pooled vaults and earn interest from repayments.

We earn revenue by taking a configurable cut of borrow interest (5%)

Want to raise from VCs

LatAm South America