Let a borrower see loan offers from multiple banks based on one credit check instead of several. The borrower shares a single verified credit result with participating banks, who provide eligibility-based offers without each running a separate pull that lowers the score.
Turn multiple score-lowering credit pulls into one verified result shared across banks.
01.
Check once. The KYC and Identity Verification module anchors one verified credit check the borrower can reuse, so multiple banks do not each pull the bureau.
02.
Keep the borrower in control. The borrower grants each bank consent to read the one credit result, recorded on-chain for every access.
03.
Compare fairly. The DID and VC Ledger module lets each bank compute an eligibility offer from the shared result, so the borrower compares offers side by side.
04.
Avoid the penalty. Because only one pull occurs, the borrower avoids the score drop caused by several hard checks in a short window.
05.
Share the outcome, not the file. The borrower proves creditworthiness without exposing the full underlying report to every bank.
06.
Record every offer. The Compliance Attestations module logs each consent and offer, so the process is auditable for the borrower and regulators.
Follow a borrower from one credit check to multiple bank offers with no duplicate pulls.
10:00:00
[SYS] Performing single credit check...
10:00:01
[CMD] pullCredit { borrower: "BRW_441" }
10:00:01
[AUTH] Anchoring verified result...
10:00:02
[OK] Reusable credit result anchored.
Cerulea decomposes shared eligibility into modular contracts. Each layer anchors one credit result, gates consent, computes offers, and exposes a comparison without duplicate pulls.
Shared eligibility is a horizontal capability. Here is how different actors rely on a single credit result.
Offer eligibility-based loans from a shared verified credit result, competing for borrowers without each triggering a hard pull that penalizes the applicant.
Key Asset Types
Compare offers from several banks on one credit check, protecting their score from the drop caused by multiple hard inquiries.
Key Asset Types
Support a single verified pull shared under consent and audit every access, reducing unnecessary inquiries across the system.
Key Asset Types
Whether you are bridging a bank's lending system or serving borrowers from a comparison app, Cerulea routes both into one shared eligibility record.
For banks on legacy lending systems. Offer computations are translated into signed on-chain eligibility records through the API gateway automatically.
Lending System
Bank Platform
Cerulea API Gateway
Offer Signing
Cerulea Private Chain
Shared Eligibility Ledger
For borrowers on a comparison app. The borrower signs each consent grant and reads all offers directly from the shared record.
Comparison App
Borrower Device
Eligibility Validators
Consent Consensus
Cerulea Ledger
Shared Eligibility Record
Building a shared eligibility system with a single verified pull, consent gating, eligibility offers, and a comparison view from scratch requires lending engineers and long bureau integration. Calculate your exact deployment speed using Cerulea.
Traditional Deployment
Solidity Coding & Audits
~ 12 Months
Visual Compilation
WASM Logical Artifacts
~ 4 Weeks
The legacy timeline reflects lending integration benchmarks. Building a single verified pull, consent gating, eligibility offer computation, and a borrower comparison view across banks takes a baseline of 7 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your eligibility and consent rules into pre-audited WebAssembly binaries and provisions the shared eligibility ledger and comparison view instantly.