Reputa

Omni-chain credit scoring with verifiable off-chain computation

Reputa

Created At

HackMoney 2026

Winner of

Sui

Sui - Notable Projects

ENS

ENS - Integrate ENS

Prize Pool

Project Description

Problem

DeFi protocols lack reliable reputation data, preventing them from offering trustless personalized terms to anonymous users. DeFi users lose their blockchain activity data when moving between blockchains. Meanwhile, current credit scoring is expensive (high gas fees for on-chain computation) and limited (centralized, backward-looking frameworks).

Solution

A cross-chain reputation bridge that:

  • Analyzes complete DeFi history from EVM chains
  • Generates AI-powered credit scores (0-1000) off-chain in a secure environment
  • Records verified scores on Sui blockchain via oracle
  • Enables protocols to offer personalized terms based on proven track record

Innovation

  1. Portable Reputation: Users carry their hard-earned track record across chains instead of restarting
  2. Predictive AI Scoring: LLM-based analysis identifies patterns predictive of future behavior, not just historical metrics
  3. Multi-Dimensional Framework: Evaluates: activity history, account maturity, portfolio diversity, risk behavior, user intent.
  4. Off-Chain Efficiency: Reduces gas costs, protects privacy, enables complex analysis impossible on-chain
  5. Verifiable Result: Computation runs in a TEE, producing cryptographic proof of correct execution that can be verified on-chain without repeating the calculation.

Scoring Framework

  • Credit performance (borrow/repay patterns, liquidations)
  • Balance sheet health (net asset value, volatility, concentration)
  • Risk indicators (capital looping, liquidity buffers)
  • Cash flow capacity (debt coverage ratios, stress scenarios)

How it's Made

Frontend

Built with React, Tailwind, Vite, Sui dApp Kit.

Oracle

  • Blockchain: Sui (score recording, DeFi integration)
  • Smart Contracts: Sui Move
  • TEE: Sui Nautilus via Marlin Oyster CVM on AWS Nitro Enclaves
  • Cryptography: @noble/secp256k1 + @noble/hashes (SHA256)
  • LLM: Ollama Llama3.2:1b

Data Aggregator

  • Blochchain: Ethereum/EVM (data source)
  • Framework: Python + FastAPI + Uvicorn (Python ASGI)
  • APIs: Alchemy, EtherScan, OpenSea
  • Reputation Signals: POAPs, ENS, verified/blue-chip NFTs, clean lending history.
  • Risk Signals:: Tornado Cash, span NFTs, drainer patterns, high portfolio concentration.
  • Protocol Coverage: Aave V2/V3, Compound V2/V3, Uniswap V2/V3, Curve Finance, Ethena (USDe, deUSD), Lido (stETH).
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