What is Spark?
Pay a deposit on Sepolia. Spark proves it with Attestcoin, then opens credit on Creditcoin. Your verified payment history becomes your credit score — no bank forms, no oracle.
Testnet only. Tokens have no real value.
What you need
- MetaMask — install the extension, connect top-right.
- Sepolia ETH — deposit + fees. Free faucet
- Creditcoin tCTC — gas to open/repay credit. Creditcoin Discord (#token-faucet).
Pay on Sepolia. Open and repay on Creditcoin. Approve network switches in MetaMask.
Full demo flow
- 1
Pay deposit
Sepolia → Pay deposit (0.01 ETH is typical). Wait for confirmation.
- 2
Verify & open credit
Tap Verify. Spark attests your Sepolia balance and waits for Attestcoin (~8–20 min, both proofs in parallel). Then approve Creditcoin and confirm openCredit in MetaMask.
- 3
Withdraw & redeem (optional)
Withdraw sCREDIT to your wallet. Redeem burns sCREDIT against debt on Creditcoin.
- 4
Repay & close
Repay on Sepolia → verify on Creditcoin → line closes. Use 0.001 ETH if tiny dust debt remains.
Credit score (optional)
More attested Sepolia payments → higher score and bigger credit line (LTV bonus).
- Score: 650 base + 40 per payment (max 850)
- LTV bonus: +2.5% at ≥1 payment, +5% at ≥3
- Balance also raises LTV (more Sepolia ETH attested → up to 90%)
Go to Credit score to link past deposits/repays, then open a fresh deposit on Pay deposit.
Step-by-step (first time)
Common questions
Why does verify take so long?
Attestcoin waits for Sepolia reorg safety — usually 8–20 minutes. Deposit and balance proofs run in parallel (one wait, not two). Keep the tab open.
Should I pay again if verify fails?
No. Use Retry verify with the same Sepolia tx. Paying twice uses extra ETH and does not speed up Attestcoin.
Wrong network error?
Approve switching to Creditcoin testnet when MetaMask asks — right before openCredit or repayCredit.
What is sCREDIT?
Testnet credit token minted when you withdraw. Debt accrues 10% APR. Redeem burns it; Sepolia repay closes the line.
Two networks?
Sepolia = payments. Creditcoin = credit line. Spark handles proofs between them via Attestcoin.
Does Spark hold my keys?
No. Non-custodial. You sign every step in MetaMask.
App pages
- Overview
- Status, score, deposit, debt
- Pay deposit
- Sepolia pay + verify + open
- Credit score
- Link attested payment history
- Withdraw
- Withdraw or redeem sCREDIT
- Send & Receive
- Transfer sCREDIT
- Repay
- Close the line
- Payments
- Activity journal
For developers
Live contracts and env vars: docs/addresses.md. Integration notes: Developers. Repo: github.com/thesithunyein/spark