Credit Infrastructure for the Agent Economy

Access the credit you've actually earned.

Merit captures everything credit ignores. Your accounts, wallets, equity, committed offers, credentials, and the agents acting for you. One profile, built for every credit decision.

No credit check · Free
Sarah Chen
Startup Founder
Merit Profile
MERIT-SK4R29
Merit Score
802/ 850
Credential88
Trajectory85
Recovery72
Financial Position68
The contrarian thesis

Your finances changed.Credit didn't.

WHAT FICO SEESWHAT MERIT ADDSFICO scoreCurrent salaryCredit historyCredit utilizationBank balanceEarning trajectoryEquity & optionsWallets & on-chain assetsCommitted offersCredentials & runwayAgent governance
merıt
MERIT-AX4K210/ 850
ISSUED·2026.06.11·LIVE
What FICO sees
FICO score
Current salary
Credit history
Credit utilization
Bank balance
merıt
What Merit adds
Earning trajectory
Equity & options
Wallets & on-chain assets
Committed offers
Credentials & runway
Agent governance
MERIT-AX4K210/ 850
ISSUED·2026.06.11·LIVE
How Merit works

Four steps. One credit identity.

Build once. Use everywhere credit is decided.

Step 3 of 12
What's your current annual income?
$185,000
STEP 01

Build your Merit Profile

We capture your income, equity, wallets, credentials, and committed offers.

Claude · Personal Assistant
Connected
Spend cap: $500/day
STEP 02 · OPTIONAL

Connect your agents

Connect AI agents acting on your behalf. Set rules. Audit every decision. Live now.

Merit Score
782/ 850
STEP 03

Get your Merit Score

A four-dimensional score, calibrated for who you are now and where you're going.

Ranked offers
Mortgage6.2% · Bank A
Best
Personal Line7.1% · Bank B
STEP 04

Match with the right financial products

Merit shops your profile across lenders. You see ranked offers. You pick.

Who Merit is for

The people credit gets wrong.

Startup Founders & Early Employees

Founders, early employees, pre-IPO holders. Equity, options, runway, exercise windows. Credit doesn't see any of it.

Non-standard income

Career Changers & MBAs

Strong credentials, current income gap. Penalized for leveling up.

Career transition

International Professionals

Global experience, no US credit history. Invisible to the system.

Thin file

Freelancers & Contractors

Multiple income streams, no W-2. Too complex for a credit score.

Variable income
Build your Merit profile

Build the credit profile
that fits you.

No credit check · Free