Tesoro

Credit infrastructure for stablecoin finance.

A lending API for stablecoin earners. Integrate Tesoro and your users can borrow against their onchain income — underwritten, disbursed, and repaid automatically.

For stablecoin fintechs, payroll platforms, and wallets in emerging markets.

Borrower

María — Bogotá, CO

Approved

TesoroScore

812

Recommended limit

$9,500

USDC · 0.4% PD

Onchain stablecoin income · trailing 8 months

The problem

Credit has always required two things: a bank account and a credit bureau.

Over ten million freelancers and small businesses now get paid in USD stablecoins. They're the best-documented earners in their economies — yet completely uncreditable, because that money never touches a local bank and no bureau holds a file on it.

Legacy underwriting

  • Requires a local bank account
  • Depends on a credit bureau file
  • Ignores USD stablecoin income entirely
  • No history for internet-native earners

Underwriting with Tesoro

  • Underwrites onchain cash-flow directly
  • Combines local credit records + wallet data
  • Treats stablecoin income as first-class
  • Builds a real, portable credit file

The solution

One API to underwrite, lend, and collect — on stablecoin rails.

01

Integrate the API

A stablecoin fintech or payroll platform drops in the Tesoro API. Their users become eligible to borrow against their stablecoin income in a few lines of code.

02

Underwrite in real time

We score each borrower using cash-flow data, onchain transaction history, and local credit records — returning a limit and price instantly.

03

Disburse & auto-repay

Approved loans settle in stablecoins in seconds. Repayment is collected automatically from the payment flows we already see.

04

Build the credit file

Every repayment feeds our credit model, building the first real, portable credit file for internet-native earners.

Everything you need to lend on stablecoin rails.

Cash-flow underwriting

Score borrowers on real stablecoin income, not proxies.

Onchain history

Read wallet transaction history across major chains.

Local credit records

Blend in bureau data where it exists, per market.

Instant disbursement

Loans settle in stablecoins in under two seconds.

Automatic repayment

Collected from the payment flows you already run.

Credit file engine

Every repayment compounds into a portable file.

Risk & compliance

KYC, sanctions, and default modeling built in.

Emerging-market native

Localized limits, pricing, and currencies.

For developers

Go from integration to first loan in an afternoon.

A single, well-documented API for underwriting, disbursement, and repayment. Sandbox keys, typed SDKs, and webhooks for every credit event.

import { Tesoro } from "@tesoro/sdk"

const tesoro = new Tesoro(process.env.TESORO_API_KEY)

// Underwrite a stablecoin earner
const offer = await tesoro.underwrite({
  borrower: "usr_9fA2",
  wallet: "0x7c3f…9b1e",
  income: "usdc_payroll",
})

// Disburse instantly if approved
if (offer.approved) {
  await tesoro.loans.create({
    amount: offer.limit,
    currency: "USDC",
    repayFrom: "payroll_stream",
  })
}

Build the first credit file for internet-native earners.