CryptoBureau

Screenshots

Problem Statement

CryptoBureau uses the power of Zero Knowledge to build credit score which can allow under-collateralized lending.When customers submit proofs – it boosts their base score, which then results in lower collateralization requirements. If the customer decides not to pay, other protocol participants will be able to check that and might refuse an additional loan.CryptoBureau is a platform that enables:all kinds of lenders which can read and update the unified customer credit scorevarious ZK verifiers (helpers) which can boost the score if the sufficient proof is providedOur initial implementation includes an MVP ERC-20 Lender smart contract, along with four different ZK verifiers that utilize the most popular ZK technologies.

Solution

The suite is deployed on Polygon Mumbai as most of ZK tech are not available on other testnets.Customers initially register withCryptoBureaucontract using WorldID which is used for unique identification. Then, different frontend integrations help to generate ZK proofs to be submitted and verified on-chain. Successful verifications result in updated credit score. Interaction with lender affects the collaterization coefficiant as the history is being preserved.ZK Technologies:WorldID for Proof of Personhood: frontend integration + on-chain proof verificationSismo for Proof of NFT ownership: frontend integration + on-chain proof verififcationPolygonID for Proof of Education: trivial frontend integration + custom claim schema + on-chain proof verificationzokrates: zk-SNARKs circuit + backend proof generation + on-chain proof verificationFrontend:vite + reactrainbowkit + wagmi + ethersantd for layout and UIBackend:nest.jsTrueLayer API - to fetch bank account informationSmart Contracts:hardhat + solidityunit-test to simplify developmentaave for handy testnet DAI and jEUR tokens