Built for those the credit system forgot.
Credence is a modern, privacy-first financial management platform designed specifically for students, young professionals, and anyone who is "credit invisible."

https://credenceai.vercel.app

Credence is a complete financial life manager for students. Unlike traditional credit scoring apps that only show you a number, Credence helps you:

• 📊 Understand your financial health through AI-powered analysis
• 💸 Track loans, scholarships, tuition costs, and aid in one place
• 📈 Grow your wealth with investment tracking (stocks, crypto, forex)
• 🤖 Get Advice from specialized AI agents that act like your personal accountant

Think of it as having a financial advisor, accountant, and mentor — all in your pocket, powered by AI.

Your financial command center. See your "Trust Score" at a glance — a holistic measure of your financial reliability that traditional credit scores can't capture.

What you'll see:

• Your current Trust Score (0-100)
• Score trend over time (are you improving?)
• Quick stats: Payment reliability, Savings rate, Income stability
• AI agents working on your behalf

The heart of Credence for students. This is where you manage your entire academic financial journey.

Features:

• Financial Timeline: A visual roadmap of your semesters, showing:
  • Tuition costs per semester
  • Student loans taken
  • Scholarships and grants received
  • Work-study income
  • Internship earnings
• Quick Stats Bar: See totals at a glance
  • Total loans accumulated
  • Total income/aid received
  • Degree ROI (Return on Investment)
• AI Strategy Agent: A personalized AI that:
  • Greets you by name ("Hey Yash!")
  • Analyzes your specific situation
  • Gives actionable advice (e.g., "Take the internship to reduce loan burden by 18%")
• Debt vs Wealth View: Automatically switches between:
  • "Debt Crusher" mode (if you have loans) — red theme, payoff projections
  • "Wealth Builder" mode (if you're saving) — green theme, growth projections
• Action Alerts: Reminders for FAFSA renewal, scholarship deadlines, etc.

Track all your investments in one place — no more switching between 5 different apps!

Supported Asset Types:

• Stocks: Apple, S&P 500 ETFs, individual companies
• Cryptocurrency: Bitcoin, Ethereum, and more
• Forex: Currency pairs like EUR/USD

Features:

• Connect your accounts (Robinhood, Coinbase — simulated for demo)
• See total portfolio value and 24-hour change
• Individual holdings with real-time prices
• Portfolio growth chart over time
• AI Investment Agent that provides allocation advice

A beautiful card and transaction management interface that shows:

Credit Card Display:

• Stunning gradient credit card with glassmorphism effects
• Personalized cardholder name automatically pulled from your login
• Card number, expiry date, and Mastercard branding
• Current balance and credit limit display

All Transactions:

• Complete transaction history across all accounts
• Category icons (food, shopping, subscriptions, income, education)
• Positive/negative amounts clearly highlighted
• Real-time total balance calculation
• Transaction dates and status (completed/pending)

Quick Actions:

• Transfer funds
• Deposit money
• Additional options

Get deep analysis of your financial behavior from our multi-agent AI system.

How it works: Each aspect of your finances is analyzed by a specialized AI agent:

These agents "discuss" your profile and reach a consensus on your score.

A shareable, privacy-preserving document that proves your financial trustworthiness to landlords, employers, or lenders — without exposing your raw bank data.

When students need to rent an apartment, lease a car, or apply for a credit card, they face a catch-22: "You need credit history to get credit, but you can't get credit without credit history."

Trust Passport creates a digital letter of recommendation for your finances.

1. User clicks "Generate Trust Passport"
2. The system creates a unique shareable URL like:

   https://credence.app/verify/yash-1738...
   

3. User shares this link with a landlord, employer, or lender
4. The verifier opens the link and sees your verified trust profile

"Hey, I'm a student with no credit history. Instead of a co-signer, here's my Credence Trust Passport showing my 84/100 Trust Score verified by 6 AI agents. It proves I pay bills on time and have stable savings patterns."

The landlord clicks the link, sees the verified passport, and can make a decision based on behavioral reliability rather than just a credit score.

Traditional credit reports share your entire financial history. Credence Passport shares only behavioral signals — proving you're reliable without exposing how much money you have.

It's like proving you're a safe driver without showing your car's GPS history.

Play "what-if" scenarios with your finances!

Examples:

• "What if I increase my savings by $200/month?"
• "What if I miss a payment?"
• "What if I get a summer internship?"

Watch your Trust Score change in real-time as you adjust sliders.

A beautiful, eye-friendly dark theme that works across the entire app. Toggle it with one click in the sidebar.

To showcase different financial situations, Credence includes three demo profiles:

Switch between personas in the sidebar to see how the app adapts.

• Node.js 18+ installed
• npm or yarn package manager

1. Clone the repository

   git clone https://github.com/your-username/credence.git
   cd credence

2. Install dependencies

   npm install

3. Start the development server

   npm run dev

4. Open your browser

   http://localhost:5173
   

If you want AI features to work fully:

cd backend
npm install
npm start

The backend runs on http://localhost:3001.

This project is optimized for Vercel deployment:

1. Push to GitHub

   git add .
   git commit -m "Ready for deployment"
   git push origin main

2. Import to Vercel

   • Go to vercel.com
   • Click "New Project"
   • Import your GitHub repository
   • Framework preset will be auto-detected as Vite
   • Click "Deploy"

3. That's it! Your app will be live at https://your-project.vercel.app

Note: The vercel.json file is already configured for SPA routing and security headers.

credence/
├── src/
│   ├── components/         # Reusable UI components
│   │   └── Layout/         # Sidebar and page layout
│   ├── context/            # React Context for global state
│   │   └── AppContext.jsx  # Main state management
│   ├── pages/              # Main application pages
│   │   ├── Login/          # Beautiful login page
│   │   ├── Dashboard/      # Home dashboard with welcome
│   │   ├── StudentHub/     # Finance Manager
│   │   ├── Wallet/         # Credit card & transactions
│   │   ├── Investments/    # Investment Portfolio
│   │   ├── Insights/       # AI Accountant
│   │   ├── Passport/       # Trust Passport
│   │   ├── Simulator/      # What-If Simulator
│   │   └── BusinessView/   # B2B underwriting view
│   ├── App.jsx             # Main app with routing
│   └── index.css           # Global styles and themes
├── backend/                # Node.js API server
├── vercel.json             # Vercel deployment config
├── public/                 # Static assets
└── README.md               # This file!

1. Student-First: Every feature is designed with students in mind
2. Privacy-Preserving: We never store raw bank data
3. AI-Powered: Agents provide personalized, actionable advice
4. Beautiful by Default: Premium aesthetics out of the box
5. Accessible: Works for everyone, including the "credit invisible"

This project was created for SpartaHack XI with the mission of democratizing financial trust for students and young people who are often excluded from traditional credit systems.

• Approximately 49 million Americans have no credit score (Oliver Wyman, 2026)
• Students can't get apartments, loans, or credit cards
• Traditional credit scoring ignores savings, income stability, and financial behavior

Credence creates a holistic financial identity that captures:

• Payment reliability (not just credit cards)
• Savings behavior
• Income consistency
• Spending patterns
• Investment activity

MIT License - Feel free to use and modify!

Built with ❤️ by the Credence team at SpartaHack XI.

"Built for the credit invisible."