P2P-lend

Problem Statement

this project uses quite a few on-chain data sources as well as some optional off-chain data sources to create a credit scoring system that can be used to enable safer lending on methods other than overcollateralized lending such as NFT lending or undercollateralized/uncollateralized lending. making it available as an oracle service on-chain.

Solution

Core ComponentsCredit Score Oracle Service (Go backend)Collects on-chain and off-chain metricsScoring engine: weighted components (40% on-chain, 40% off-chain, 20% hybrid)Outputs scores (300–850) with confidence levelsREST API for integrationPublishes scores to smart contractsSmart Contracts (Solidity)CreditScoreOracle: credit score storage and validationOracle: general oracle for external dataAccess control, pausability, and reentrancy protection Data SourcesOn-chain: wallet age, transaction history, DeFi interactions, borrowing/repayment, collateralOff-chain: traditional credit scores, bank data, incomeSources include Blockscout, Covalent, Moralis, and credit bureaususing Blockscout made it seamless to get multichain data in assessing on-chain wallet activity using hardhat3's solidity testing was crucial in the development phase