creditcupid

Problem Statement

creditcupid provides a real-time, cross-chain credit oracle that builds private, verified credit identities. These identities power undercollateralized P2P lending and social matchmaking based on authentic financial trust.Cross-Chain Credit Oracle: Unifies onchain DeFi history with verified Web2 income and identity to create a dynamic, privacy-first credit score (FICO-aligned, 300–850).Dual Matchmaking Flows:Finance Flow: Match with trusted peers for undercollateralized lending and borrowing.Dating Flow: Find life partners filtered by verified, privacy-preserving credit scores.Zero Kowledge Proofs: Confirmation of creditworthiness without leaking sensitive income, balance or transaction data. Only verification status is revealed.Under-Collateralized Lending: Secure loans at up to 85% LTV, leveraging your verified credit identity instead of overcollateralizing.

Solution

Cross-chain credit oracle - real-time scoring across major EVM chains, enriched by Plaid's Open Banking API integration to compliment score with web2 data (KYC, income, transaction history, bank balance)Analysis of onchain history and users balance (incl. interaction with Aave/Morpho protocol on EVM chains) via Blockscout SDK, using it's Popup features to filter by address, view recent transactions and their interpretations.Smart contract for undercollateralized P2P lending that takes as a basis user's creditcupid's score that is set onchain - 85% collateral requirement and loan limit based on credit scores. Lending mechanism deployed as a P2Plending.sol https://eth-sepolia.blockscout.com/address/0x8F254C3A7858d05a9829391319821eC62d69ACa4?tab=index User utilises its credit score set onchain to borrow (supply collateral, withdraw, repay, liquidate funds), the CreditScore.sol manages scores onchain https://eth-sepolia.blockscout.com/address/0x246E504F0B17A36906C3A9E255dbe3b51D54BcA8Cryptographic commitments (Poseidon zk-Hashing), IPFS decentralized metadata storage, local proof generation ensuring zero user data is stored on servers