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Orru’s verification path is live on public testnets. The payment figures, payer businesses and credit capital are demo economics. A statement is evidence of a dated past window; it is not a promise of future income, affordability, legal eligibility or repayment.

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Repayment

Today DemoCreditPool records each wallet’s draw and caps it at a share of the band floor, but it does not collect repayment, interest or fees. A production credit product needs repayment state, due dates, lender policy and the relevant licensing and consumer-protection controls.

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Creditcoin writability

During the current testnet demo, Creditcoin is the destination for Attestcoin verification, statements and demo lending. Creditcoin-to-client-chain messaging is not a live dependency. When the write layer is available, a lender could use it to trigger a disbursement from its own vault on another programmable chain. That receiver must still validate the Creditcoin emitter, handle unordered delivery and guard against reentrancy. Protocol replay protection does not make an untrusted application receiver safe by itself.

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Production payer integration

An Ethereum-mainnet anchor and payer SDK would let payroll platforms create the same commitment per payment and deliver the private slip directly to the worker. The zero-knowledge circuit and statement verifier do not need exact salaries to be published.

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Hosted API

Public verification remains permissionless on-chain. The hosted Orru endpoint currently has no API keys, billing or service-level guarantee; integrations that need maximum availability can read CredentialRegistry directly.