creditcupid
zk onchain credit oracle that sparks trusted connections in love and lending
Project Description
creditcupid provides a real-time, cross-chain credit oracle that builds private, verified credit identities. These identities power undercollateralized P2P lending and social matchmaking based on authentic financial trust.
Cross-Chain Credit Oracle: Unifies onchain DeFi history with verified Web2 income and identity to create a dynamic, privacy-first credit score (FICO-aligned, 300–850).
Dual Matchmaking Flows:
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Finance Flow: Match with trusted peers for undercollateralized lending and borrowing.
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Dating Flow: Find life partners filtered by verified, privacy-preserving credit scores.
Zero Kowledge Proofs: Confirmation of creditworthiness without leaking sensitive income, balance or transaction data. Only verification status is revealed.
Under-Collateralized Lending: Secure loans at up to 85% LTV, leveraging your verified credit identity instead of overcollateralizing.
How it's Made
- Cross-chain credit oracle - real-time scoring across major EVM chains, enriched by Plaid's Open Banking API integration to compliment score with web2 data (KYC, income, transaction history, bank balance)
- Analysis of onchain history and users balance (incl. interaction with Aave/Morpho protocol on EVM chains) via Blockscout SDK, using it's Popup features to filter by address, view recent transactions and their interpretations.
- Smart contract for undercollateralized P2P lending that takes as a basis user's creditcupid's score that is set onchain - 85% collateral requirement and loan limit based on credit scores. Lending mechanism deployed as a P2Plending.sol https://eth-sepolia.blockscout.com/address/0x8F254C3A7858d05a9829391319821eC62d69ACa4?tab=index User utilises its credit score set onchain to borrow (supply collateral, withdraw, repay, liquidate funds), the CreditScore.sol manages scores onchain https://eth-sepolia.blockscout.com/address/0x246E504F0B17A36906C3A9E255dbe3b51D54BcA8
- Cryptographic commitments (Poseidon zk-Hashing), IPFS decentralized metadata storage, local proof generation ensuring zero user data is stored on servers
