The Challenge
DeFi protocols needed a way to assess creditworthiness, but traditional scoring models were unable to evaluate on-chain behaviour and wallet history.
Our Solution
We pioneered one of the first production blockchain credit scoring systems, combining on-chain transaction analysis with optional off-chain data sources.
Multi-Chain Data. Integrated data from Ethereum, BSC, and Polygon, including major DeFi protocols like Aave and Compound.
Blockchain-Native Features. Developed novel features for wallet age, protocol experience, liquidation history, and portfolio composition.
Privacy Preservation. Implemented zero-knowledge proof concepts for sensitive data.
Impact
The system scored 50,000 wallets within its first year, shipped as the first production blockchain credit-scoring API in market, and opened up a new category of under-collateralised lending in DeFi for protocols that had previously had no creditworthiness signal to underwrite against.