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Decentralized Credit Scoring — Blockchain for Peer-to-Peer Lending Platforms — Decentralized Credit Scoring
contract OnChainCreditReputation { struct CreditProfile { uint256 totalBorrowed; uint256 totalRepaid; uint256 activeLoansCount; uint256 defaultCount; uint256 creditScore; // 300-850 scale, updated by algorithm uint256 lastUpdated; } mapping(address => CreditProfile) public profiles; function recordRepayment(address bor...
Common integrations: The Graph, Alchemy/Infura, OpenZeppelin Defender, and popular wallet providers.
Clarify requirements, compliance needs, architecture risks, and launch goals.
Implement core contracts, integrations, product flows, tests, and deployment automation.
Run QA, prepare audit handoff, deploy infrastructure, and support production rollout.
Blockchain-based credit scores used for lending decisions may be subject to the Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), and other consumer lending regulations, depending on how the score is constructed and used. Key questions: Does the score proxy for protected characteristics (race, gender) even if not directly input? Does the borrower have the right to dispute the score? Is the score "adverse action" reportable? Consumer lending platforms using blockchain credit scores should engage compliance counsel to ensure their scoring model and lending decisions comply with applicable consumer protection laws.
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