Digital Currency Group

SkorLife Platforms is a financial wellness company that offers users access to their credit history and credit scores. The platform allows individuals to check their scores for free and provides valuable insights into their financial standing. Additionally, SkorLife equips users with advice, tools, and strategies to enhance their financial lifestyle. The service includes features that help users track the status of their installments, loans, and credit cards, ultimately empowering them to make informed financial decisions and improve their credit scores.

Masa is a decentralized AI platform focused on creating a data marketplace that allows users to be compensated for their data contributions. The platform aims to transform traditional centralized credit systems by offering a unique infrastructure that includes a non-fungible credit report, composable credit primitives, smart contracts, and liquidity pools. These components are designed to provide a scalable, interoperable, and standardized on-chain identity framework, catering to the evolving needs of the web3 ecosystem. By enabling developers to acquire, retain, and verify users while gamifying community engagement, Masa facilitates the launch of innovative credit products that align with existing centralized credit paradigms.

Aviva operates an AI-powered digital bank aimed at providing financial services to underbanked communities in Latin America, particularly targeting unsecured credit products for individuals and nano-businesses in Mexico. The company focuses on reaching the over 40 million underbanked Mexicans, many of whom reside in small and medium-sized towns, through physical onboarding kiosks. These nano-branches facilitate a documentless onboarding process via a three-minute video that leverages AI technology, including natural language processing, to streamline credit applications. By transforming speech to text and assessing customers' emotions and personality through video, Aviva enhances its ability to score thin-file customers effectively. This innovative approach allows Aviva to offer competitive interest rates and meet the financial needs of underserved populations.

Moffin is an integration platform that connects various Know Your Customer (KYC) data providers, allowing businesses to efficiently collect and assess customer information. The platform offers both API access and a no-code solution, making it accessible for companies with varying technical capabilities. By streamlining the aggregation of credit data, Moffin enables organizations to digitize and expedite their authorization, consultation, and evaluation processes, ultimately saving time and improving operational efficiency.

Masa is a decentralized AI platform focused on creating a data marketplace that allows users to be compensated for their data contributions. The platform aims to transform traditional centralized credit systems by offering a unique infrastructure that includes a non-fungible credit report, composable credit primitives, smart contracts, and liquidity pools. These components are designed to provide a scalable, interoperable, and standardized on-chain identity framework, catering to the evolving needs of the web3 ecosystem. By enabling developers to acquire, retain, and verify users while gamifying community engagement, Masa facilitates the launch of innovative credit products that align with existing centralized credit paradigms.

Credora is a company focused on enhancing confidence in credit markets through privacy-preserving technology and real-time credit analytics. It provides a platform that empowers efficient private credit markets by offering comprehensive reports, transparent methodologies, and automated processes for onboarding and information submission. By facilitating over $1 billion in uncollateralized loans across more than 100 borrowers and lenders, Credora enables well-capitalized and risk-managed borrowers to engage in transparent and secure borrowing. Additionally, the company monitors over $4 billion in borrower assets, ensuring extensive coverage across both centralized and decentralized finance venues.

BTCJam is a bitcoin lending platform that facilitates online personal loans, allowing users to borrow and lend using bitcoin. With over $11 million in loan volume, the platform has served more than 100,000 users across 200 countries. BTCJam aims to provide affordable credit to individuals by employing a proprietary credit scoring algorithm that predicts borrowers' repayment rates. Borrowers can apply for loans with rates starting at 6.7% APR, while investors can earn an average of 19% APR on their bitcoin investments. The platform is integrated with Coinbase, ensuring simple and efficient bitcoin transfers for both borrowers and investors.