zkOBS turns banking data into zero-knowledge proofs for credit, account ownership, investor accreditation, and asset levels. Protocols verify financial facts without receiving raw bank records.
Under-collateralized Lending
Offer under-collateralized DeFi loans based on verified credit scores and asset levels.
Regulated Token Offerings
Gate security token offerings and private placements by verifying accredited investor status on-chain.
Financial KYC Platforms
Replace document-based KYC with privacy-preserving open banking credentials.
Explore the zkOBS credential suite
Proves a credit score exceeds a threshold without revealing the actual value. Users prove loan eligibility without disclosing their full credit profile.
Confirms bank account ownership without revealing account numbers, balances, or transaction history.
Verifies income or net worth thresholds for accredited investor status. Enables regulated offerings to enforce eligibility on-chain.
Confirms assets above a threshold without revealing the exact amount. Used for wealth-based access controls and collateral verification.
Verifies transaction history patterns (income, payment behavior) without revealing individual transactions.
Explore the zkOBS credential suite
Proves a credit score exceeds a threshold without revealing the actual value. Users prove loan eligibility without disclosing their full credit profile.
Confirms bank account ownership without revealing account numbers, balances, or transaction history.
Verifies income or net worth thresholds for accredited investor status. Enables regulated offerings to enforce eligibility on-chain.
Confirms assets above a threshold without revealing the exact amount. Used for wealth-based access controls and collateral verification.
Verifies transaction history patterns (income, payment behavior) without revealing individual transactions.
The zkOBS credential flow
Protocol verification
The DeFi protocol or financial service verifies the credential on-chain and grants access.
Credential issued
The user's wallet receives the financial credential. The bank data is never stored.
ZK proof computed
A zero-knowledge proof is generated from the financial data. The raw data is immediately discarded.
Data retrieved
zkMe retrieves the relevant financial data from the bank's API in a secure, ephemeral session.
User connects bank
User authorizes zkMe to access their banking data via an open banking API connection.
The zkOBS credential flow
User connects bank
User authorizes zkMe to access their banking data via an open banking API connection.
Data retrieved
zkMe retrieves the relevant financial data from the bank's API in a secure, ephemeral session.
ZK proof computed
A zero-knowledge proof is generated from the financial data. The raw data is immediately discarded.
Credential issued
The user's wallet receives the financial credential. The bank data is never stored.
Protocol verification
The DeFi protocol or financial service verifies the credential on-chain and grants access.
Often used alongside zkOBS
Trusted by leading protocols
"zkOBS enabled StationX to offer verifiable financial credentials to DeFi protocols without exposing any underlying bank or brokerage data to the platform."
Ready to integrate zkOBS?
Access the full SDK documentation, integration guides, and onboarding checklist to start issuing zkOBS credentials in your application.
