Your credit, Your rights.
On-chain.
Fuero gives prime borrowers an undercollateralized credit line that lands directly in crypto and builds a privacy-preserving identity profile you own.
The gap between Web2 credit and Web3 money
Prime US borrowers can get $20k+ in minutes, but can't get $5k on-chain without friction.
DeFi lending assumes you already have collateral.
Under-collateralized experiments struggle with identity, underwriting, and distribution.
Today
1
Platform
2
KYC
3
Bank
4
Send funds
5
CEX
6
User Spends
WITH FUERO
1
Fuero
2
KYC
3
User Spends
Easier, right?
what is fuero?
Under-Collateralized Credit Lines
0%-collateral credit lines for prime US borrowers. Approvals feel like a premium credit card portal, payouts arrive directly on-chain.
Fuero Profile
One encrypted “human + credit” profile that can link many wallets. Use it to prove you’re a good borrower without exposing your raw data.
Fuero Stable (coming soon)
A future stablecoin backed by diversified credit portfolios originated by Fuero. Designed to become the money layer for undercollateralized DeFi.
How It Works
for borrowers
For LPs & Partners
Apply with your identity
KYC + soft credit check. No hard pull for eligibility.
Get your Fuero line
Prime borrowers receive an on-chain credit line with a 0% intro period.
Draw to crypto in one click
Send USDC or ETH to a wallet or partner exchange.
Repay as a credit card
Repay in fiat or stablecoins; build your Fuero Profile as you go.
Who Fuero Is For
Prime Borrowers
Turn your Web2 credit into crypto-native liquidity.
Funds & Liquidity Providers
Deploy into transparent, data-driven undercollateralized credit pools.
Protocols & Wallets
Offer Fuero as a funding option or gate products to real humans.
Why Fuero
Different market
Target: US prime borrowers, not only DeFi whales.
UX modeled on high-end fintech, not a trading terminal.
Identity at the core
Fuero Profile linking KYC, credit, and multiple wallets.
Path to credit-backed money
From using existing stablecoins → Fuero Stable → full credit-backed money layer.
A credit line that speaks
Web2 and Web3
Prime US borrowers get an undercollateralized
credit line with payouts directly in crypto.
Eligibility
Prime US borrower
Banked, KYC’d
Soft credit check for pre-approval
Terms
0% intro period
Clear APR afterwards
Repay in fiat or stablecoins
Borrower protections
No hidden fees
Clear repayment dates
Transparent handling of late payments (plain language)
Your Fuero Profile:
one human, many wallets.
For users
See your credit bucket, repayment history, and linked wallets in one place.
Control data sharing and privacy from a single dashboard.
For protocols & wallets
Query “is this a prime borrower?” or “is this a unique human?” without seeing raw data.
Privacy & zero-knowledge
Partners see answers to specific questions, not your full profile.
Fuero Stable:
credit-backed money for DeFi.
A future stablecoin backed by diversified portfolios
of undercollateralized loans originated by Fuero.
1
Repayment in leading stables
2
Fuero Stable v1
(reserve-backed)
3
Fuero Stable v2
(credit-backed money layer)
Risk Spine
Collateral & reserves
Diversification
Legal wrappers & SPVs
Roadmap
Now
Building
• US prime borrower cohort (100 users).
• KYC → Self-Attestation → VantageScore underwriting waterfall.
• Simple revolving credit line with 0% intro period.
• Instant draw to any chain/CEX (abstracted swaps/bridges).
• Semi-manual ops: underwriting overrides, reminders, early collections.
Next
+6 Months
• Contract hardening + audits.
• Monitoring + analytics stack.
• Secure storage for credit data (future oracle).
• Partner APIs/SDKs for embedded credit.
• Begin automation of underwriting + servicing.
LATER
+12 Months
• Pluggable underwriting engines (market-specific).
• Fuero Identity Layer: human proofs, cross-wallet linking, zk-verified attributes.
• Fuero Credit Oracle: shareable creditworthiness data for third-party protocols.
• Fuero Stable v2: credit-backed stablecoin issuance.
• Multi-jurisdiction SPVs (US, EU, LatAm).
• Multi-wallet per user under one credit line.
Risk & performance.
Transparent by design
How we underwrite, monitor, and manage
undercollateralized credit risk — and how capital
behaves inside Fuero.
Credit risk
Prime borrower focus. Underwriting waterfall (KYC → bureau data → income → manual review)
Liquidity risk
Pool structure, buffer concepts.
Smart contract risk
Audits, monitoring, upgrade strategy.
Operational & legal
Jurisdictions, SPVs, servicing.
Security &
Compliance
Platform security
Encryption, infrastructure, authentication.
Platform security
Encryption, infrastructure, authentication.
Compliance
KYC/AML, use of credit data, jurisdictions.
Compliance
KYC/AML, use of credit data, jurisdictions.
User protections
Data retention, deletion, dispute handling.
User protections
Data retention, deletion, dispute handling.
The team behind Fuero
ALEJANDRO
LOSA
GTM & BD
PAUL
ARBIC II
Product & Architecture
RENAT
Khasanshyn
Risk & Strategy
JAMES
KHALIF
Ops & Credit
ANDREI
ALBEI
Front End Lead
HANNA
URBAN
Smart Contract Developer
gerardo
barboni
UX/UI Design
PROTOFIRE
Selected contributors
Be the first
Join the waitlist and get early access when we launch.
Currently available for US residents only.