what's Kredo?

Kredo is a privacy-first financial operating system designed for spending without custody or persistent accounts. It enables users to interact with a neo-bank dApp where funds remain in shared liquidity pools, and spending is authorized via zero-knowledge proofs rather than exposing balances or requiring traditional KYC for basic functions. Top-ups allow swapping, sending, and payments within the dApp, with optional KYC unlocking physical Visa cards for real-world use. The protocol shifts from ownership-based models to intent-based execution, supporting autonomous commerce for AI agents and seamless on-ramps to traditional rails like Visa. Built on Solana, it emphasizes self-custody, no on-chain ownership traces, and cryptographic validation of spend permissions, positioning it as infrastructure for accountless banking in crypto.

KREDO received VISA approval, launched banking features this week, with market cap below $400k.