Multipaz
Your identity is the key. Verifiable credentials unlock DeFi, tokenized equity, and global finance — without middlemen.
Combine government IDs, platform scores, and financial data into a portable identity that connects you directly to capital markets.
The Problem
The traditional system was built for a different era. Today, it creates friction, exclusion, and inefficiency.
Deploying capital shouldn't require 5 intermediaries.
Getting a loan shouldn't take weeks.
Raising funds shouldn't cost 20% in fees.
The Opportunity
DeFi TVL that cannot legally onboard institutions, governments, or compliant RWAs.
The Solution
Verifiable credentials let you prove who you are, what you've done, and what you're allowed to do — connecting you directly to capital.
Category-Defining Layer
If Multipaz captures even 10 bps of DeFi gated volume, RWA issuance, compliance verification, and credential issuance — it becomes a multi-billion-dollar protocol.
Real World Examples
Two examples of how verifiable credentials unlock direct access to capital.
Get a loan from DeFi protocols using your real-world reputation
Access a global pool of verified, creditworthy borrowers like never before. Set your criteria — platform scores, income verification, jurisdiction — and let qualified borrowers find you automatically. No manual underwriting, no geographic limits.
Tokenize your company's equity and raise capital with compliant, credential-gated trading
Only verified accredited investors (with Multipaz credentials) can buy shares — compliance built into the smart contract.
Define your investment criteria programmatically: Y Combinator verified, clean credit history, minimum traction metrics, specific jurisdictions. Entrepreneurs who meet your requirements automatically get access to funding — no sourcing, no manual due diligence, no geographic limits. Your fund operates 24/7, globally.
Buy property across borders with automatic compliance verification
Your credentials are verified once. Then deploy autonomous agents that scan real estate markets globally — Lisbon, Miami, Dubai, Buenos Aires — and automatically qualify you for purchases in each jurisdiction. When an opportunity matches your criteria, you're pre-approved and ready to close instantly.
The Vision
Every jurisdiction has rules. We map them all — so capital can flow freely while staying compliant.
We use AI to continuously map and update compliance requirements across every jurisdiction worldwide. Securities laws, property restrictions, tax treaties, AML rules — all codified and queryable.
What used to be locked inside national systems is being wrapped and internationalized. Digital IDs, tax certificates, business registrations — we make them globally portable and verifiable.
Skip the intermediaries. Your verified identity connects directly to any asset class — loans, equity, real estate, bonds — wherever they are, whatever the local requirements.
Every asset has compliance requirements. Every jurisdiction has rules. By mapping both and connecting them to verifiable identity, we create the universal layer for compliant capital flows — no matter where you are, no matter what you're buying.
Built on Standards
Multipaz is built on open protocols that enable global interoperability and autonomous agent interactions.
ERC-8004 brings W3C Verifiable Credentials to Ethereum. Multipaz credentials are fully compatible, enabling:
The 402X protocol enables autonomous agents to transact across systems. Combined with Multipaz:
With ERC-8004 + 402X + Multipaz, autonomous agents can:
The convergence: When identity is verifiable, regulations are encoded, and agents can transact — you get autonomous, compliant, global capital deployment at scale.
Who Benefits
Your real-world reputation unlocks DeFi.
Equity fundraising without intermediaries.
Compliance without friction.
Credential Types
Combine credentials from different sources to build your complete identity profile.
Compliance Built In
Para Argentina
Currency controls, inflation, and bureaucracy have held back Argentine talent for too long. Multipaz changes that.
Use your Mercado Libre seller rating, Ualá transaction history, and AFIP tax compliance to access dollar-denominated loans on Aave — bypassing the peso entirely.
Tokenize your startup's equity with verified metrics from Stripe Atlas, GitHub, and MercadoPago. Let global VCs invest in Argentine founders without the friction of local banking.
Your Argentine credentials — DNI, constancia de CUIL, certificado de ingresos — verified and accepted globally. Buy in Miami, Madrid, or Montevideo without starting from zero.
Your reputation built on Rappi, Pedidos Ya, Airbnb Argentina — finally portable. Move abroad or work remotely without losing years of trust you've built.
Prove to any protocol that you're CNV-compliant, tax-registered with AFIP, and meet UIF requirements. Access regulated DeFi without the regulatory gray zone.
Your Workana, Freelancer, and Fiverr reputation combined with monotributo compliance. Get paid in crypto, stay compliant, build wealth outside the peso system.
Argentina has the talent. Multipaz removes the barriers.
Join the WaitlistGo-to-Market
We understand the challenge. Here's how we solve it.
Every company has built its own identity database. Mercado Libre knows your seller score. Ualá knows your spending patterns. Airbnb knows your host rating. But none of this data is portable — and that's by design.
Why would Mercado Libre share your credit score if it means a competitor could use it to steal you as a customer?
Anonymous, verifiable credentials reduce compliance costs. Governments aren't protective of identity data — they want it used efficiently. Multipaz makes that possible without building new infrastructure.
KYC costs $5-15 per user. With new regulations in Europe and globally pushing for user-owned identity, the economics are shifting. It's becoming cheaper to verify credentials than to store them.
Regulation is moving toward identity on your phone, not in centralized databases. Users want control. Companies want reduced liability. The convergence is inevitable.
If Mercado Libre shares your credit score, a competitor could use it to poach their best customers. Why would any company voluntarily give up their data moat?
The answer: network effects. The same dynamic that built Visa.
Companies will realize it's better to be part of the network — because it will be large enough — than to be left behind.
Partners don't just join the network — they own a piece of it.
By giving financial institutions, governments, and identity providers equity in the protocol itself, their success becomes tied to the network's success. Collaboration beats competition.
The ICO itself demonstrates the product: credential-gated access to financial instruments. Companies experience Multipaz by participating in its launch.
Multipaz is building the missing layer that lets jurisdictions, real-world assets, institutions, and governments plug into global DeFi liquidity.