smarter loans for your employees

100% privacy-preserving,
Free-to-employer, free-to-employee

Better loans with Merit Protocol.

Preserving the privacy of employee data 

Employment-based lending

Better personal loans based on career track record.

  • Enhanced underwriting
  • Better access in distribution
  • Improved employee financial wellness

How Merit Protocol works

Trusted, privacy-preserving data sharing

Merit Protocol utilizes Zero-Knowledge Proof cryptography to prove employment record data points without actually revealing them.

Built for your ecosystem

Your apps

Merit Protocol provides developers with the tools they need to create easy and accessible experiences for their users.

Your data

Data on Merit Protocol is 100% user-permissioned and easily integrates with your business.

Your decisions

Make better products by bringing detailed employment data into your workflows.