P2P-lend

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.

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