Buy Now,
Pay Never.
Private consumer credit on Sui. Check out with Buy Now, Pay Never (BNPL), repay from yield, or lend & borrow on Sui. Borrow against a reputation score computed inside a confidential private TEE credit enclave — your financial data never leaves the enclave.
No email · no credit check · just your Sui wallet
Buy Now, Pay Never
BNPLCheckout with on-chain credit. Collateral earns yield that auto-repays your loan.
Lend & Borrow
MarketsSupply USDC / DUSDC / DEEP for DeepBook yield, or borrow against collateral.
Private TEE Credit
ConfidentialScore computed in a confidential enclave and attested on-chain — data never leaves the TEE.
How It Works
Three simple steps to unlock private decentralized consumer credit on Sui.
Connect Wallet
Securely link your Sui wallet to initialize your private profile. No email or personal identity information required.
Attest TEE Credit
Generate a decentralized reputation score computed confidentially inside a secure AWS Nitro TEE enclave. Your private financial data never leaves the enclave. Learn more about our private TEE credit
Buy Now, Pay Never
Checkout with credit. Collateral assets are deployed into Sui lending pools to earn high yield, which auto-repays your BNPL credit line. Try Buy Now, Pay Never
Frequently Asked Questions
Get answers to the most common questions about the XORR protocol.
> What is Buy Now, Pay Never?
Buy Now, Pay Never (BNPL) allows users to purchase items on credit by locking USDC collateral. The collateral is automatically routed to yield-generating protocols (such as lending pools or liquidity pools on Sui), and the earned yield pays off the outstanding credit over time.
> How does the TEE credit score work?
XORR Finance computes your credit score inside an AWS Nitro TEE (Trusted Execution Environment). It processes off-chain financial data confidentially, issuing an on-chain cryptographic attestation. Your raw financial data never leaves the enclave.
> Is my financial data private?
Yes. Because all computations occur inside a confidential enclave (TEE), no one—not even the XORR protocol developers—can inspect your private financial data. Only the final score is attested on-chain.
> What is XORR Finance built on?
XORR Finance is built natively on the high-performance Sui blockchain, leveraging its low latency, high throughput, and secure smart contracts to handle collateral management, lending pools, and BNPL checkouts.