PrivateScore

The user is asking for the project description again for PrivateScore, but now for Ethereum instead of Solana. They already asked me to update it for Ethereum earlier, and I provided a description. They seem to just want the description text itself to copy/paste. This is not a research task - this is just asking me to provide the description I already wrote. I should just give them the clean description text without any preamble.DonePrivateScore is a zero-knowledge credit verification protocol built on Ethereum that enables borrowers to prove their creditworthiness without revealing sensitive financial data. Traditional DeFi lending requires either over-collateralization or complete financial disclosure. PrivateScore solves this by using Noir ZK circuits to generate cryptographic proofs that verify credit eligibility while keeping the underlying data private. Core ZK Circuits:

Score Threshold: Prove your credit score exceeds a minimum (e.g., 700+) without revealing the exact number DTI Ratio: Prove debt-to-income ratio is healthy using division-free arithmetic (debt × 10000 ≤ income × max_dti) Payment History: Prove on-time payment rate meets requirements without exposing transaction counts Creditworthy (Composite): Combine multiple proofs with a master commitment for comprehensive verification Score Improved: Prove credit score has increased between two time periods for tier upgrades

Technical Architecture:

Pedersen hash commitments bind private values to public proofs Division-free constraint design for ZK-friendly arithmetic Solidity smart contracts for on-chain verification and lending pool management TypeScript SDK for proof generation and wallet integration

Use Cases:

Under-collateralized DeFi loans based on verified credit history Privacy-preserving KYC for institutional lending pools Tiered interest rates without exposing borrower financials Credit improvement verification for reduced collateral requirements

Frontend & SDK (TypeScript/React) The TypeScript SDK wraps @noir-lang/noir_js for client-side proof generation. Users connect via RainbowKit/wagmi, fetch their encrypted credit data, and generate proofs locally—private inputs never leave the browser. Notable Hacks:

Commitment chaining: Each circuit output can feed into another circuit's public input, enabling composable proofs Basis points everywhere: All percentages use 10000 basis points to avoid floating-point issues in ZK Timestamp binding: Score commitments include timestamps to prevent temporal attacks (proving "improvement" by swapping old/new)

Tech Stack: Noir, Solidity, Hardhat, TypeScript, React, ethers.js, RainbowKit, Pedersen hashing

Character count: ~1,850 Want me to adjust the technical depth or highlight specific sponsor technologies? Opus 4.5Extended