The First Community-Owned
Credit Protocol
Share your data → earn DREAM tokens → get your AI credit score → help build fair credit for everyone → get fair credit from a platform you own
Join the revolution against 25% APRs. Build fair credit with 1,000+ factor AI scoring and community governance. Your data, your ownership, your future.
The Credit Revolution
Traditional lending is broken. We're the fix.
The Problem
Credit cards extract billions through:
- →Predatory 25% APRs when risk is only 3%
- →Hidden fees equaling 40% of loan value
- →18% unnecessary middleman costs
- →Outdated 23-factor FICO scoring
Our Solution
DreamPass Protocol delivers:
- →Fair ~8% APRs based on true risk
- →Zero hidden fees, full transparency
- →Sub-1% operating costs via automation
- →AI scoring with 1,000+ data points
Revolutionary Features
Building the future of fair credit, together
Secure Data Connections
Connect your financial accounts securely. Always encrypted, never sold, fully in your control.
1,000+ Factor AI
Our AI analyzes 1,000+ factors compared to FICO's 23, delivering fairer, more accurate scores.
Earn DREAM Tokens
Share data, complete missions, refer friends. Every action earns tokens and ownership stake.
EDU Mode
Build your portable credit profile. Learn fundamentals and graduate to real lending when ready.
Community Governance
Vote on protocol rules, rates, and features. Your tokens equal your voice in fair credit.
On-Chain Transparency
Every calculation visible. Every decision explainable. No hidden fees or surprise changes.
Have a Referral Code?
Enter it below for bonus DREAM tokens
Only 927 Spots Left
Founding members shape the protocol, earn maximum rewards, and own the future of fair credit.
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