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DreamPass Protocol

Community-Owned Credit Infrastructure Built on Verifiable Data​

Version 10.2 - October 2025

TL;DR​

Consumer credit is a $1.2T market with structural inefficiencies that cost Americans tens of billions annually. DreamPass builds infrastructure to align incentives:

  1. Free AI copilot generates consensual financial data
  2. Privacy-preserving reputation via zero-knowledge proofs
  3. Community ownership via tokens
  4. Smart contract transparency for lending operations

Unlike traditional fintech, we don't have VC pressure to extract. Unlike credit unions, we can scale via software.

This is infrastructure for community-owned credit.