> For the complete documentation index, see [llms.txt](https://kredopay.gitbook.io/documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://kredopay.gitbook.io/documentation/technology-overview.md).

# Technology Overview

Kredo is built on a combination of cryptographic primitives and minimalist on-chain design.

**Zero-Knowledge Identity & Authorization**

At the core of Kredo is zero-knowledge proof technology, enabling users to prove:

* Eligibility
* Authorization scope
* Constraint compliance

Without revealing:

* Personal identity
* Transaction history
* Spending patterns
* Account-like identifiers

These proofs are generated client-side and verified on-chain, ensuring privacy while maintaining strong correctness guarantees.

**Liquidity Fog Pools**

Liquidity Fog Pools are shared pools of capital where:

* Funds are not attributed to individuals
* Ownership is intentionally abstracted
* Spending is mediated entirely through authorization

From the system’s perspective, liquidity exists independently of users. From the user’s perspective, liquidity is accessible only through valid permissions.

This design:

* Eliminates balance tracking
* Prevents wallet-based attacks
* Improves capital utilization
* Simplifies on-chain accounting