Secured credit is usually the best offer. But not everyone owns a house, a car, or any real asset accepted as traditional collateral. However, today almost everyone owns a smartphone that could be used as digital collateral to secure credit operations. Brelo enables any lender to operate micro-secured credit by using all our infrastructure to accept consumers' smartphones as collateral, and secure credit operations in an easy, affordable, and scalable way. Consumers get better credit offers and lenders (1) increase approval rates, (2) minimize collection efforts, and (3) recover lost capital from delayed customers.