You earn well.
In seven currencies. On four platforms. From clients across three continents.
You can't prove it.
Not to a bank. Not to a landlord. Not to a lender. The paper trail every system asks for was never built for you.
Every "proof" costs everything.
Bank statements. Client names. Tax IDs. Balances. Once shared, it cannot be taken back. Once leaked, it never stops leaking.
Save discipline, and you can't prove it. Prove it, and privacy is gone. Zava replaces both with a single line — verified true.
The information a lender needs to trust you is information you can never take back once shared. Here's what today's system quietly asks for.
Receive $2,000 USDC
From a Berlin client for a two-week engagement.
Convert half to local currency
Through an exchange, tied to your KYC.
Save the rest
A portion goes into a wallet marked as savings.
Apply for a $500 loan
To bridge equipment upgrades for the next gig.
And you still don't get the loan — because no single item in that list looks like the salary the credit model was trained on.
Freelancers share their Zava wallet address with clients. Payments arrive in USDC on Stellar — instant and borderless. No bank account. No payment processor. No one can track the money back to you.
Your financial life stays yours. Zava only sees what it needs to build your credit score — and even that is hidden behind a proof.
USDC lands in your Zava wallet from any client, anywhere.
You move a portion to savings. Zava tracks your consistency ratio privately.
Your inflow ÷ outflow pattern becomes a zero-knowledge credit proof. Lenders verify it — no data shared.
Access a pool of borrowers who have cryptographically proven their savings discipline. No KYC friction. No raw financial data. Just a tier and a loan cap you can trust — because the math already checked.
Proof verified on-chain
Every credit tier is backed by a real UltraHonk proof running on Stellar Protocol 26 BN254 host functions.
No raw data exposure
You receive a tier and a loan cap. Never the borrower's balance, amounts, client names, or transaction timing.
Inflow/outflow scoring
The tier reflects real earning and saving behaviour — computed from on-chain vault activity, not self-reported figures.
Instant settlement
Loan disbursements and repayments settle in seconds on Stellar with sub-cent fees.
Zava does not ask you to trust a company. Every credit tier issued on the network is preceded by an on-chain event you can inspect in real time. Real UltraHonk verification, running on Stellar Protocol 26 native BN254 host functions.
Honk 8w — Credit Medium
Real bb prove output → on-chain Sumcheck + Shplemini → pass
Honk Shielded — Vault Withdraw
Merkle inclusion + nullifier freshness + KZG batch open
Honk 8w — Credit Medium
Tampered proof (1 byte flipped) — rejected. Soundness holds.
Live events streamed from Stellar testnet — see them all at /proof-log.