what's Kea Credit?

Kea Credit is a DeFi protocol deployed on the Hedera network, designed to on-chain the private credit market by tokenizing SME receivables such as invoices and inventory. It employs an AI-powered risk engine called KeaFi for dynamic credit scoring based on repayment behavior, enabling fairer access to undercollateralized loans for businesses in emerging markets, women-led ventures, and SMEs excluded by traditional banks. The protocol features a Proof-of-Confidence (PoC) model where $KEA token stakers underwrite first-loss protection for lending pools, enhancing lender security and yield sustainability from real repayments rather than emissions. Supported by Hedera's high-throughput infrastructure, it facilitates instant on-chain settlements, community-backed safety nets, and programmable liquidity layers for real-world yield generation.

Kea Credit is the 5th fastest-growing protocol by weekly TVL ($1M+), deployed on Hedera.