Build credit by paying your friends and family back with XCredit

Get up to $5000 loans without a credit score. Unlock this and other benefits of XCredit on your mobile device.

Android & iOS compatible

Simple set up allows for cross-platform transactions and services

Merchant Payment Portal

Pay with XCredit in-store and get cashback at select merchants

Desktop app coming soon

With P2P lending, users will have access to XCredit on all their favorite devices

- CREATED FOR -

The most transparent and accessible credit score ever built.

Reducing credit invisibility by legitimizing informal loans

Build credit by paying your friends and family back with XCredit

Unlock the benefits of XCredit on your mobile device.
Bootstrap Example
-Created For-

The most transparent and accessible credit score ever built.

Reducing credit invisibility by legitimizing informal loans

- WANT TO KNOW -

How it works

Register

Register as an XCredit application user

Add new card

Link your card for instant transactions

You're done!

Use XCredit and all its facilities anytime, anywhere

- WANT TO KNOW -

How it works

Register

Register as an XCredit application user

Add new card

Link your card for instant transactions

You're done!

Use XCredit and all its facilities anytime, anywhere

- EASY PAYMENTS -

Pay & request with ease

Lend and borrow money in a simple, two-step process

Get the App

- BUILD CREDIT -

Grow your XCredit score

Track your transactions and have your timely payments rewarded with XCredit

Get the App

- CREATE GROUPS -

Connect with friends

Add friends to groups, split bills, and pay or request for any occassion

Get the App

- EASY PAYMENTS -

Pay & request with ease

Lend and borrow money in a simple, two-step process

Get the App

- BUILD CREDIT -

Grow your XCredit score

Track your transactions and have your timely payments rewarded with XCredit

Get the App

- CREATE GROUPS -

Connect with friends

Add friends to groups, split bills, and pay or request for any occassion

Get the App

Testimonial 1

“ The user interface also looks simple so that it makes it easier for users, CS is also very helpful regarding problems.”

Nam Do San
CTO of Samsan Tech

Testimonial 2

“ The user interface also looks simple so that it makes it easier for users, CS is also very helpful regarding problems.”

Jhon
CTO of Samsan Tech

Testimonial 3

“ Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. ”

Tejeshwar Bhanghoo
Initech

Testimonial 4

“ Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec quam enim, interdum at semper scelerisque, convallis ac odio. Aenean et justo mauris. Etiam congue pellentesque est.”

Imtiaz Gidh
Soylent Corp
- FREQUENTLY ASKED QUESTIONS -

We’ve got you covered

We use Plaid integration for financial transactions, which is the leader in secure transactions. We use technicians who are very skilled in the field of data security, and we also use AI technology to secure your data, so no need to worry.
Users utilize peer-to-peer lending and set deadlines for requests. The requestee can then build XCredit through our application by completing the payment request in accordance to that deadline. Your XCredit score can then be used to get instant loans after completing enough transactions.
There is a daily limit of $200 total across all transactions.

Read More

- FREQUENTLY ASKED QUESTIONS -

We’ve got you covered

We use Plaid integration for financial transactions, which is the leader in secure transactions. We use technicians who are very skilled in the field of data security, and we also use AI technology to secure your data, so no need to worry.
Users utilize peer-to-peer lending and set deadlines for requests. The requestee can then build XCredit through our application by completing the payment request in accordance to that deadline. Your XCredit score can then be used to get instant loans after completing enough transactions.
There is a daily limit of $200 total across all transactions.

Read More