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