Underwrite Gen Z without CIBIL.
500M Indians under 25 have no credit history. CIBIL has no file on them. You can't underwrite a loan, approve a credit card, or onboard them to trading without 30 minutes of manual KYC and a leap of faith. Glurk is the credential layer that fixes this. Verified financial literacy, signed by real issuers, on-chain, queryable in 50ms.
01 · The math you already know
Today, per Gen Z user
- · Manual document KYC: ₹500–2,000
- · Income proof verification: ₹200–500
- · Phone/address verification: ₹100–300
- · False-positive rejection rate: 30–50%
Total acquisition cost per approved user: ₹2,000–4,000
With Glurk
- · One
/api/v1/checkcall: ~₹0.01 - · Returns Glurk Score 0-1000 + every credential
- · No PII handling on your side
- · Signed by real issuers (Staq, GitHub, more)
Total signal cost: ~₹0.01 per check
A fintech approving 1,000 Gen Z users/month replaces ₹2-4 lakh in acquisition cost with a Glurk Pro subscription at ₹4,000/mo. ROI is immediate and obvious.
02 · Drop-in code (works today)
From your Node backend, before approving a loan / opening an account / issuing a card:
// 1. Check what Glurk knows about this user
const r = await fetch(
`https://glurk.slayerblade.site/api/v1/check?wallet=${wallet}`,
{ headers: { Authorization: `Bearer ${process.env.GLURK_KEY}` } }
);
const { glurkScore, credentials } = await r.json();
// 2. Apply your own underwriting policy
const hasFinlit = credentials.some(
c => c.issuer === STAQ_ISSUER && c.tier !== "bronze"
);
const isCreditworthy = glurkScore >= 300 && hasFinlit;
if (isCreditworthy) {
approve({ amount: 50_000, collateralRatio: 1.05 });
} else {
fallbackToManualKyc(); // existing flow, only for the unverified
}The chain is the source of truth. The hosted endpoint is cached + CORS-open so you can call it from any backend. SDK available too: npm i @glurk-protocol/sdk
03 · See the decision live
Same call, same data, same result your backend would compute. Below runs against the production API right now — paste any wallet, watch the approve/fall-back decision land in <100ms.
Run the underwriting decision live
Paste any Solana wallet. We'll fetch its Glurk profile, apply a sample underwriting policy (score ≥ 300 + Glurk-issued finlit credential), and tell you whether you'd approve. This is the same call your backend would make.
04 · What credentials look like
Staq is the first issuer — verified financial literacy modules completed by real Indian Gen Z users. Each module = one signed credential. Examples of what a typical user wallet would carry:
Each credential is a non-transferable Token-2022 mint with a Solana PDA. You can verify any of them yourself by deriving the PDA — no API call required.
05 · What this unlocks for your product
Lending
Lower collateral requirements for users with verified financial literacy. A user with Glurk Score ≥600 gets 105% collateral instead of 150%. Default rates drop because users with credentials self-select.
Trading platforms
Skip the F&O qualification quiz for users with verified Stock Market + Sell Rules credentials. Faster onboarding, fewer customer-support tickets, regulatory check satisfied via signed proof.
Credit cards
Approve thin-file Gen Z applicants with Platinum-tier finlit credentials. Replace 60% of CIBIL-blocked applications with a positive signal that no other bureau has.
BNPL / consumer finance
Underwrite first-loan customers without manual document KYC. Glurk Score is your soft underwriting input alongside transaction signals.
Insurance
Risk-tier health and life policies for Gen Z without medical history. Financial responsibility credentials correlate strongly with claim behavior.
Pricing for fintechs
Free tier
1,000/mo
Build the integration, no credit card.
Pro
$49/mo
50,000 calls. Right-sized for an early-stage fintech.
Enterprise
Custom
1M+ calls/month, dedicated infra, SLA.
Building a fintech in India? Get a free key, integrate the 5-line check above, and ship it behind a feature flag this week.