Under Finance brings identity-based credit to Bitcoin.

Bitcoin DeFi lacks true credit markets. Today's protocols require overcollateralization, locking capital and excluding millions from accessing liquidity. We're changing that by building identity-based credit on Starknet.

Borrowers unlock liquidity from their BTC without selling, accessing credit through verified identity and creditworthiness rather than raw collateral. Lenders can opt into KYC-enabled markets for higher-trust lending or remain anonymous in traditional collateralized pools.

Our protocol creates a spectrum from fully verified undercollateralized loans to permissionless overcollateralized lending. Smart contracts route participants into the right pools based on identity verification, risk profiles, and collateral preferences, all settling securely on Starknet.