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Tythe underwrites from data. This page states exactly which data, where it lives, who can see it, and what you can switch off.

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Public by nature

Tythe runs on a public blockchain. The following are visible to anyone, as all on-chain activity is.
  • Your account address, its balance, and its liens, reservations, and payment sessions.
  • Your agents’ ERC-8004 identities and their bindings to your account.
  • Every mandate you issue, with its ceiling and effective values.
  • Every action your agents take, with counterparty, amount, rail, and revenue tag.
  • Your Loans, liens, and repayments, and your Lend and Save positions.
  • The attested outcomes: your Credit Rating, Credit Limit, plus each delegated agent’s Conduct Rating and effective Financial Scope.
Your identity is not public. Only a verification reference is stored on-chain. Nothing on-chain links your account to your name except what you choose to disclose.

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Stored off-chain

Bank data is never joined to any on-chain artefact and never used to underwrite another principal.

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What you control

Tythe publishes a bounded standing summary and mandate-compliance facts for each of your agents to the public ERC-8004 registries. Turn publication off per agent. Raw signals are never published.
Dispute a rating or a revenue tag from the console. A disputed inflow is excluded from capture until the dispute is resolved.
Bind or unbind operator wallets to control who can sign for your account. Every signature is a typed message that shows what is being signed.

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What Tythe never does

  • Sell your data.
  • Use protected characteristics in underwriting.
  • Write personal data or bank data to the chain.
  • Share bank data with any party beyond the provider that sourced it.
  • Read another principal’s bank data to judge you or your agents.

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Providers and law

Verification is performed by Sumsub. Bank data is read through Plaid (United States), Tink or Salt Edge (EU and UK), Lean (UAE and MENA), or Belvo (Latin America), each under its own regulatory regime. The data-protection law that applies to you depends on where you are and where Tythe operates; see Legal.

Entity underwriting

How the three sources become a rating.

Trust and transparency

What is on-chain and what is not.