Identity
One borrower identity across supported channels. Authentication, wallet ownership and eligibility are separate checks.
MICrO PROTOCOL
CONTROLLED TESTNET · IN DEVELOPMENTIdentity. Credit.A reputation that grows.
We are building microcredit infrastructure that brings identity, responsible access and repayment history into one connected journey.
A demonstration with synthetic data. Public Phase 3 lending is not active. No real money moves in this experience.
01 / Approach
Built around the borrower.
Access to credit should come with a clear identity, understandable rules and a record that can develop over time.
Disciplined access
Credit limits and admission rules belong to the protocol. A website account never grants loan eligibility.
Repayment history
The planned journey connects a request, admission, debt and repayment to the same borrower.
02 / Demonstration
See the journey. Understand the boundaries.
The existing Web, iOS and Android test experience rehearses a 25 tUSDC journey. Admission, debt and repayment are explicitly simulated.
- 01Synthetic identity
- 02Test application
- 03Simulated admission
- 04Simulated debt
- 05Simulated repayment
Explore the testnet
Test accounts are prepared by the team. Public registration and real credit applications are not open.
One journey, across platforms.
iOS and Android development builds are for invited testing. WhatsApp, Zalo, Telegram, Instagram and Messenger connections remain subject to official setup and verification. Pix currently has a local simulator; no PSP sandbox payment rail is connected.
03 / Team
Meet the people behind MICrO.
The team and contributors supporting protocol development, operations and the institutional project.
Vitor Oliveira
Founder & Protocol Lead
Daniel Oliveira
Governance & Operations
Guilherme Oliveira
Junior Software Engineer
Vitor Marcos
Strategic Advisor
LinkedInMiguel Pontes
Mechanical Engineer
Deivid Mardegan
IT & Cloud Infrastructure
04 / Documents
Documentation, with a clear version.
Start with the whitepaper and the current status. Historical material describes its own date and scope; it is not proof that financial services are live.
05 / Project status · Status updated 2026-11-06
What is available. What comes next.
Available for invited tests
Web authentication and a synthetic application/admission/debt/repayment rehearsal. Native development builds have been tested on physical devices.
Pending public-chain validation
The public Phase 3 Loan and AdmissionController deployment, live eligibility and end-to-end origination/repayment have not been validated.
Technical reviews, limited scope
Automated tests and AI-assisted technical reviews have been performed. These are not a published professional smart-contract audit or a security certification.
Legal formation in progress
The planned entity is MICro Protocol Ltd, with Cyprus as the intended jurisdiction. Incorporation and registration details are not confirmed.
Next steps are evidence-driven: complete the Authority prerequisites; validate the approved Phase 3 deployment; then demonstrate the public-chain journey. Vietnam is a proposed pilot market, subject to the legal and operational requirements being met.
MICrO / CONTACT
Let’s build responsible access.
For an investor conversation, an invited demonstration or an institutional enquiry, contact the team.
Contact the founder