P2P-lend
credit scoring oracle aggregating on-chain data for uncollateralized lending
About
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.
How it's made
Core Components Credit Score Oracle Service (Go backend) - Collects on-chain and off-chain metrics - Scoring engine: weighted components (40% on-chain, 40% off-chain, 20% hybrid) - Outputs scores (300–850) with confidence levels - REST API for integration - Publishes scores to smart contracts Smart Contracts (Solidity) - CreditScoreOracle: credit score storage and validation - Oracle: general oracle for external data - Access control, pausability, and reentrancy protection Data Sources - On-chain: wallet age, transaction history, DeFi interactions, borrowing/repayment, collateral - Off-chain: traditional credit scores, bank data, income - Sources include Blockscout, Covalent, Moralis, and credit bureaus using 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