CoopChain
Onchain cooperative savings, risk-based lending, and tokenized investments.
Demo
About
CoopChain is a blockchain-based financial infrastructure for cooperatives and SACCOs. It connects member savings, on-chain credit scoring, actuarial lending, stablecoin treasury management, tokenized investments, indexed financial data, confidential risk policies, and AI-assisted risk explanations into one modular system. The core principle: financial truth should be verifiable, risk decisions should be systematic, sensitive policies can remain confidential, and AI should explain rather than invent the decision. CoopChain models the full cooperative financial lifecycle — Membership → Savings → Credit Score → Loan Decision → Actuarial Calculation → USDC Lending → Investment Registry → Indexed Financial Data → Risk Engine → Confidential Policy → AI Explanation.
How it's made
CoopChain is built with Solidity + Foundry (449 passing tests across 13 suites). Smart contracts: CoopVault, Savings, CreditScore, ActuarialEngine, LoanEngine, plus InvestmentRegistry, InvestmentToken, and InvestmentPool. The frontend is React + Vite + TypeScript. Sponsor integrations are functional components, not demos: • Arc Testnet — USDC treasury and lending liquidity (ArcTreasury.sol) • Hedera Asset Tokenization Studio — issued CCREF real-estate security on Hedera Testnet (ISIN KE0000000091, contract 0.0.10454483) • The Graph — CoopChain subgraph indexes members, savings, loans, repayments, and investment positions; the Risk API reads indexed data instead of reconstructing state from RPC calls • Chainlink CRE — confidential risk-policy evaluation inside an AWS Nitro TEE via handlerInTee; only the final risk tier is returned, private thresholds never leave the TEE • OpenAI — AI Risk Agent that explains deterministic risk outputs, never invents them Backend: Node.js + TypeScript + Express + Ethers.js. Risk layer combines a deterministic engine (member risk, loan decision, investment risk) with the Chainlink CRE confidential layer. Notable: risk engines are strictly separated from AI explanation, and financial truth is never delegated to the LLM.