Your money works.
You watch it grow.

One product: 36 months at 20% annual, backed by Confii's verified microcredit portfolio. You choose how you get paid — collect or reinvest your monthly interest, and take your capital back in installments from month 13 or all at the end.

20% annual 36 months Monthly USDC payouts
How much do you invest?
$5,000
Interest months + installments (you pick at signing)
Your monthly interest
Months 1–12monthly interest
Months 13–36fixed installments
Month 13 · installments begin
Capital invested Interest & payouts
+60%
total return
Months 1–12
$83
per month in interest, in USDC
Months 13–36
$83
per month · capital returns at month 36
You receive in total
$8,000
capital + interest · 36 months
Start investing →
Digital onboarding in ~15 minutes · 20% annual · 36 months · automatic USDC payouts

The registry, live

Every investment and every payout is recorded on a public smart contract. This is what it reports — open to anyone, always.

Confii On-Chain Registry
Live · Polygon
Total invested
$0
registered since launch · no cap, always open
Interest paid out
$0
delivered to investors, verifiable on-chain
Investors
0
verified positions in the registry
Demo data for illustration — the live version reads directly from the public contract on Polygon.

This simple

Three steps. No banks, no paperwork, no chasing anyone to get paid.

$ USDC · CARD · BINANCE

1 · You invest

Verify your identity, sign digitally and fund from $1,000 — with crypto or card.

PUBLIC REGISTRY

2 · It gets recorded

Your investment is registered under your name on a public blockchain contract — impossible to alter.

EVERY MONTH · AUTOMATIC

3 · You collect

Interest arrives in your wallet on every cutoff date, by itself. Or it reinvests and compounds.

The business behind your return

Your money funds small, verified credits with monthly installments across Latin America — starting with Venezuela. Confii runs the full cycle — this is what happens with every dollar, every month:

1 · Application
Digital request
Small credits with monthly installments, via web and WhatsApp
→
2 · Evaluation
Identity + scoring
Biometrics, behavioral score and two committed co-signers
→
3 · Disbursement
Stablecoin payout
Approved credits are disbursed digitally, with full traceability
→
4 · Repayment
Monthly installments
Clients repay month by month — and level up by paying on time
→
5 · Collections
Active follow-up
Reminders before due dates, immediate action after — every day
The portfolio generates · gross avg
~10% monthly
We pay you · fixed
1.67% monthly
* Your rate is set in your contract as 20% annual — shown here as its monthly equivalent (1.67%) so both figures compare in the same unit.
Your return is covered many times over by what the portfolio generates. That wide margin is what absorbs delinquency, funds the operation and leaves Confii its profit — it's the reason we can pay you a fixed rate and say so with a straight face.

Where your investment lives

Your money never depends on a promise or a spreadsheet — it flows through a public smart contract, from your wallet and back to it.

You
Verified investor
KYC approved · signed contract · W-8BEN
→
Smart contract
ConfiiVault
Receives your USDC and records your position under your name — publicly, on Polygon
→
Operator
Creo Finance LLC
Deploys the capital into the credit portfolio — every movement signed by multiple keys, never one person alone
→
Every month
Automatic payout
Repayments fund the distributor · your interest lands in your wallet in USDC, with its public receipt
The contract is the bookkeeper nobody can bribe: your position is registered under your name, it's non-transferable, and every dollar in or out leaves a public, permanent trace.

Backed by a real operation

Not a promise — a credit portfolio operating every single day since 2020.

0+ years
issuing credit
0
credits in proprietary track record
0×
portfolio growth in 12 months
$0M+
managed by the founding team

Don't trust us. Verify it.

Radical transparency
Every payout you receive comes with its public blockchain receipt — this is what one looks like:
✓The company — verifiable in Florida's public registry (Sunbiz), one click away.
✓Your contract — its digital fingerprint is recorded on-chain, impossible to alter.
✓Every payment — a public receipt like this one, forever.
Anyone can open that link, anytime, without asking us. That's the difference between Confii and any informal "yield" offer.
Interest payout✓ Confirmed
ToMaria F. · 0x8b4C…9F2a
Amount+$83.33 USDC
Cutoff date09/01/2026 · automatic
Receipt0x7d31f6…e93a ↗
One receipt per payout, per investor, per month — the record is kept by the Polygon network, not by Confii.

The essentials

Four honest answers before you invest.

Who can invest?
Adults residing outside the United States, Canada, China, Russia, or sanctioned/high-risk countries (Iran, North Korea, Syria, Cuba, Belarus, Myanmar, Afghanistan) who complete identity verification. Due to regulation we cannot accept residents of restricted countries — no exceptions.
What is the risk?
You invest in debt backed by a microcredit portfolio: there is real risk of loss if the portfolio deteriorates beyond expectations. Before investing you receive a document with the portfolio's real metrics and every risk, plainly stated. Invest only what you can afford to risk.
Do I need to know crypto?
No expertise needed — but the wallet is YOURS, not ours: we guide you step by step so you create it yourself in minutes (your keys, your control — we never hold them). You can fund with card or from Binance. If you already use Binance or MetaMask, even better.
What if I want my money earlier?
The product runs 36 months, and the first 12 always pay interest. If you prefer earlier liquidity, choose installments: your capital starts coming back every month from month 13. Your position is registered under your name and non-transferable — it's not a tradable asset.
How do I know this isn't a scheme?
Fair question — and it deserves more than a paragraph. Short version: the rate is realistic (20% annual, not "10% monthly"), the business behind it is explained on this site in detail, every payout has a public receipt, the company is verifiable in Florida's public registry, and you can read the contract and talk to a founder before sharing a single piece of data. The full answer, with everything you can verify without trusting us, is in the "Why Confii?" tab.

Start with $1,000

Full onboarding in ~15 minutes. Your first payout, next monthly cutoff.

Start investing →

Private offering of securities by Creo Finance LLC conducted exclusively outside the United States under Regulation S. Not available to US persons or residents of the USA, Canada or China. Investing involves risk of capital loss. Displayed returns correspond to the contractual terms of the product and are not assured. This material is not financial, legal or tax advice.

The business, in numbers

Percentages, multiples and volume — the shape of the operation. The full audited figures are delivered in the offering memorandum before you invest.

💵

Small credits, in digital dollars

Fixed monthly installments, disbursed and collected in stablecoin. Lending in local currency destroys real returns — in digital dollars, every installment is worth what it says.

🚪

To people banks exclude

Millions with real capacity and intention to pay, but no formal credit history — so banks don't see them. We do. That underserved demand is exactly why the portfolio can pay the rates that fund your return.

⚛️

Trust as collateral

We don't ask for physical collateral — we ask for a network. Two co-signers backing every credit, plus a payment history built credit by credit. Confii turns trust into collateral.

🌎

Where Confii operates

Credits are issued in Latin America, starting with Venezuela — a dollarized, underbanked market the founding team knows deeply. New Latam markets follow with the same playbook: digital dollars, the trust atom, and our own score.

🇻🇪 Venezuela · Live Next Latam markets
14×
portfolio growth in the last 12 months
~12%
average monthly portfolio yield on balance
0
credits issued in our proprietary track record
6+
years issuing credit, without pause, since 2020
100%
of credits backed by two co-signers committed to the debt
100%
of borrowers verified with biometric identity checks

Portfolio growth — indexed, base 100

The same portfolio, twelve months later, is fourteen times bigger. Indexed so you see the shape; the dollar detail lives in the memorandum.

The trust atom.
You're only as good as the weakest in your network.

1
Holder
2
Co-signers
1
Atom
How atoms connect · Trust network
ATOM A ATOM B 👤HOLDER A✓ PAYS ON TIME 👤HOLDER B✗ DEFAULTS 🤝CO-SIGNER 🤝CO-SIGNER 🤝LUIS · SHARED ·
✓ Healthy atom — everyone pays
Everyone pays → everyone levels up → access to larger credits.
✗ Atom with a defaulter
One defaulter drags down the whole network — a powerful incentive to choose your co-signers well.

Joint responsibility

If the holder doesn't pay, the co-signers step in — across the entire network.

Shared node

Luis belongs to both atoms. His behavior affects both networks at once.

Permanent score history

Behavior stays on record — it isn't erased by a single payment.

Two scores, two moments

We don't use a single number. A first-time applicant and a returning client are evaluated with different tools — each phase measures what actually predicts repayment at that moment.

Phase 1 · Origination

The first credit

A new applicant has no history with us — so we score everything around them:
  • ✓
    Biometric identityDocument + liveness + duplicate detection. Nobody enters twice under another name.
  • ✓
    Digital footprintBehavioral and digital signals that detect fraud and reveal real intention to pay — before approving a single dollar.
  • ✓
    The whole atom is scoredWe score the applicant AND their two co-signers, weighted together. A weak network gets declined — we approve atoms, not individuals.
Declared income doesn't decide: six years of data show it doesn't predict repayment — commitment does.
Phase 2 · Renewal

Every credit after that

Once someone has borrowed with us, their own behavior becomes the score:
  • ✓
    Own payment historyEvery on-time installment adds points. Late payments subtract them — progressively, the later the worse.
  • ✓
    Permanent memoryThe record is snapshotted month by month. Falling behind and then catching up doesn't erase the history — behavior stays written.
  • ✓
    It decides level and amountOnly demonstrated good behavior unlocks the next level. A default blocks access permanently — and drags the co-signers' standing with it.
This is the credit history the market never had — built client by client, month by month, and it's ours.

Progressive credit levels

Everyone enters at the lowest level with a small amount. Each credit repaid in full and on time unlocks the next level with a larger amount. A late payment freezes the climb; a default blocks it forever. Bigger credit must be earned — that discipline is what protects the portfolio funding your return.
$200
N14 months · 20% rate
$300
N2
$450
N3
$600
N4
$1.000
N59 months · 13.5% rate
$1.500
N6
$2.500
N7
$5.000
N8up to 24 months
Higher levelsAmounts: up to $10,000
Terms: up to 24 months
Rates: from 7% and down
Earned with history
More history: bigger amounts, longer terms, lower rates.
📊

A public report, every month

Portfolio, delinquency and investor payouts — published every month, in percentages, good months and bad. Whoever publishes monthly has nothing to hide; recurring transparency is worth more than any promise. External annual audit joins as the program scales.
📄 Latest monthly report ↗

Figures as of July 2026 · Full audited detail is delivered in the offering memorandum before you invest.

Why Confii and not the others?

Compare us against what's actually out there — honestly, column by column.

 ConfiiInformal "yield" offersBank depositStocks & index fundsCryptocurrency
Verifiable public record of every payment✓✕~✕✓
Fixed contractual return — 20% annual✓~✕✕✕
A real, operating credit portfolio behind it✓✕✓✓✕
Two co-signers behind every single credit✓✕✕✕✕
Contract + legal structure✓✕✓✓~
Risks explained to you in writing, plainly✓✕~~✕
⚛️

The trust atom

We don't lend to one person — we lend to three. The borrower plus two co-signers who commit to the debt. It's the single strongest repayment predictor in our entire history.

🔍

Behavioral scoring

Six years of data taught us that declared income doesn't predict repayment — commitment does. We score behavior and digital signals on top of our own credit history of thousands of clients.

📞

Professional daily collections

Preventive reminders before every due date, immediate follow-up after, payment agreements when needed. A dedicated team, working the portfolio every single day.

"How do I know this isn't a scheme?"

Fair question — this market is full of burned investors. So let's answer it head-on, with things you can verify without trusting us.

✗ What a scheme does
  • ✗Promises absurd returns — "10% monthly, zero risk, assured".
  • ✗Can't explain where the yield comes from — the "business" is a mystery.
  • ✗Pays old investors with new investors' money — needs constant new entries to survive.
  • ✗No legal entity, no contract, no faces — a WhatsApp group and a logo.
  • ✗Pressures you to bring friends and to reinvest — withdrawing is always difficult.
✓ What you can verify about Confii
  • ✓A realistic fixed rate — 20% annual, funded by a portfolio that generates several times that. The whole math is on this site.
  • ✓A real business you can see: credit cycle, scoring, collections — explained in detail, tab by tab.
  • ✓Your interest comes from borrowers' repayments — every payout has a public on-chain receipt anyone can open.
  • ✓A registered company since 2020 — check Creo Finance LLC yourself in Florida's public registry (Sunbiz), and read the sample contract before giving us a single piece of data.
  • ✓Founders with names and faces who take live calls — and risks stated in writing before you invest.

Don't take our word for any of this. Open the registry, read the contract, book the call — and only then decide. That's exactly the order we want you to follow.

Legal, without the fine print

Who you're contracting with, under which rules, and what you sign — in plain language.

01

The issuer

Creo Finance LLC, a company organized under the laws of Florida, USA (April 2020), based in Miami. It runs the Confii operation and is the party that signs your contract.

🔎 Verify it on Sunbiz (Florida public registry) ↗

Creo Finance LLC · Document L20000114019 · opens the official record directly

02

Offering framework

A private offering under Regulation S, conducted exclusively outside the United States. Not available to US persons or residents of the USA, Canada or China — no exceptions.

03

Your contract

A bilingual (English/Spanish) loan agreement signed electronically with email verification. You receive the full copy, and its digital fingerprint is recorded on the public registry.

📄 Read the sample contract before sharing any data ↗
04

Taxes

By signing form W-8BEN, your interest is paid with 0% US withholding. Declaring this income in your country of residence is your responsibility — we give you the complete payment history to make it easy.

05

On-chain registry

Your position is registered under your name, is non-transferable, and every payout is publicly verifiable on Polygon. Nobody can move it, alter it or impersonate it.

06

If we ever disagree

Your contract sets the path: direct negotiation first, then mediation under UNCITRAL rules, and if needed, binding ICC arbitration under Delaware law.

07

KYC / AML

Biometric identity verification plus sanctions and watchlist screening on every investor. No verification, no investment — that protects you and everyone else in the registry.

08

Risks, in writing

Before investing you receive the offering memorandum with the portfolio's real metrics and every risk, stated plainly. This is an investment, not a savings account — and we never present it otherwise.

"What happens if...?"

The uncomfortable scenarios, answered before you ask. Serious products name their risks — schemes never do.

Scenario

...delinquency rises?

The portfolio generates several times what we pay you — that margin exists precisely to absorb bad months. Collections works the portfolio daily, and investor payouts are an operating priority. If deterioration were ever severe and sustained, you'd see it in the monthly report — not in silence.

Scenario

...Confii shut down?

Your contract is with Creo Finance LLC and survives the website: the credit portfolio keeps collecting and those repayments service what is owed to you. The on-chain registry proves your position independently of us — it's evidence nobody can delete, ready for the dispute process your contract defines.

Scenario

...someone tries to move the funds?

No single person — not even a founder — can move capital alone: treasury actions require multiple signatures. Your position is registered under your name, is non-transferable, and every movement leaves a public, permanent trace.

Scenario

...I lose access, or something happens to me?

Your position isn't a token in a wallet you can lose — it's a registered position in your name. With legal documentation (inheritance, court order), it can be formally reassigned to your heirs. Your contract, your identity and the public registry are the proof.

This page is a summary for guidance only; the signed contract and offering memorandum are the binding documents. This material is not financial, legal or tax advice.

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