Kred
Built on Arc · Powered by Transaction Memos

Prove what you earned — onchain.

Turn your Arc stablecoin payments into verifiable proof of income. Every figure is backed by a transaction a bank, landlord, or client can check themselves.

See how it works
The chain is the source of truth — never our database.

How it works

Proof of income your bank can verify itself

No product turns on-chain payment history into disclosable income proof. Kred is that credential layer — Arc-native, and trustless by construction.

  1. 1

    Connect & index

    Every incoming USDC/EURC payment on Arc, pulled straight from chain and auto-organized by its Transaction Memo.

  2. 2

    Generate a statement

    Aggregate any period into totals by client and category — then export a branded PDF where every figure cites its tx hash.

  3. 3

    Share a verify link

    Reveal only what you choose. Anyone can re-derive the totals from Arc on-chain data. No trust in you required.

Income Proof
Verified on Arc
Verified income · Q1 2026
$0.00
17
payments
4
clients
100%
on-chain
Backed by transactions
0x9f2c…a41d0x1b77…c0e90x4ad0…7f52+14
KredRecomputed from Arc, not our database

Example proof — the real one is recomputed from your Arc history.

The Arc-native part

The memo travels with the money

Arc's Memo contract wraps the transfer and emits structured context in the same transaction — not a note in our database. On-chain, forever, verifiable by anyone.

pay-with-memo.tsArc Testnet
1
# your client signs once — the memo rides along
2
Memo.memo(
3
target: USDC · 0x3600…0000
4
data: transfer(you, 1,250.00)
5
memoId: keccak256("2026-03:INV-2026-014")
6
memo: {
7
"client": "Acme Inc",
8
"project": "Website redesign",
9
"invoice": "INV-2026-014",
10
"period": "2026-03"
11
}
12
)
Emits, in one transaction
$Transfer event
1,250.00USDC → you
from Acme Inc · payer preserved via CALL_FROM
+
Memo event
client: Acme Incinvoice: INV-2026-014period: 2026-03
No approve needed — the payer signs a single transaction.
Kred reads both events back and files it under Acme Inc, automatically.
<1s
deterministic finality on Arc
USDC
gas token — no volatile fees
2
stablecoins indexed · USDC + EURC
0
trust required — verifiers recompute

Your income is already on-chain.
Make it provable.

Connect a wallet, and every payment you've received on Arc becomes evidence a bank can check.

Read the source