NeuraLend

NeuraLend is a decentralised micro-lending platform built on the Rootstock (RSK) blockchain, designed to empower Bitcoin holders to unlock liquidity without selling their Bitcoin. By leveraging Rootstock’s Bitcoin-pegged token (tRBTC) as collateral, users can borrow wrapped USDC (wUSDC), repay loans, or liquidate positions, all while retaining ownership of their Bitcoin. A unique feature of NeuraLend is its integration of AI-based credit scoring, which analyses on-chain wallet activity to assign fair borrowing limits, making the platform accessible and efficient. The project combines decentralised finance (DeFi) principles with Bitcoin’s security and an intuitive user interface, offering a seamless way to access funds while staying true to the “HODL” ethos of never selling Bitcoin.

NeuraLend leverages Blockscout APIs to fetch account data and calculate collateral requirements for borrowing. Built on Rootstock, the RootstockVault.sol smart contract enables users to deposit tRBTC, borrow wUSDC, repay loans, and liquidate positions. The MVP frontend offers a user-friendly interface to interact with the contract and view real-time account stats, including balances and AI-driven credit scores.