The financial OS for
gig workers

The Krost Score is a 9-factor alternative credit model built specifically for gig workers. Instead of traditional credit bureau data, it evaluates your actual earnings history from connected platforms.

Unlike conventional credit scores that penalize thin-file or no-file borrowers, the Krost Score reflects your real financial capability through the lens of your gig income.

The Earnings Ledger is a normalized, chronological record of all your gig income across 300+ platforms. Every transaction is pulled directly from the source via Argyle's secure API — no manual entry, no spreadsheets.

Your ledger is always up to date, with real-time syncing whenever new earnings are reported. All data flows through Zod validation before storage, ensuring every record is clean and consistent.

Generate lender-ready PDF verification reports with a single click. Each report includes the 'Argyle Verified' seal, giving underwriters immediate confidence in the data's authenticity.

Reports are accepted by over 500 mortgage lenders, banks, and credit unions. Share them via time-limited, email-gated URLs with full audit trail tracking.

The Krost Passport is a planned soul-bound token (SBT) on Base L2 that lets you selectively prove your creditworthiness without exposing your exact financial details.

Using zero-knowledge proofs, you'll be able to verify minimum income thresholds, platform tenure, or stability scores without revealing transaction-level data.