What we read, and what we never see.

A credit line is derived from public on-chain state for the address you connect: how long it has existed, how many transactions it has signed, what tokens it holds, and its USDC balance. All of it is already readable by anyone with the address. We do not ask for a name, an email, a document, or a bank connection, and there is no credit-bureau lookup.

We never hold your private key or your funds. The authorisation you give at checkout is an SPL delegate with a fixed allowance that decrements as it is used — it permits collection of what you agreed to and nothing else, and you can revoke it.

The camera is used only to decode a payment code. The frame is decoded and discarded; no image is stored or transmitted.

Payments, plans, collections and score changes are transactions on a public chain. Anyone can read them, including a merchant’s own book, which is why the merchant dashboard needs no key. This is a property of settling on a public ledger, not a choice we made about your data — treat an address as pseudonymous rather than private.

This site runs no advertising trackers and sets no marketing cookies.

Polaris currently runs on devnet. Balances are test funds and nothing here is a regulated financial product or an offer of credit. Contact us through the repository if you need something removed or explained.