Spectral's credit scoring system allows users to get loans with variable interest rates based on their credit scores. This is the first application of Spectral's NFC.
Our lending pool will consist of a 5 tick system of credit scores. The range of credit scores of each tick is determined according to actual credit score distribution data, so that the number of users in each tick is roughly the same. As an example, consider a skewed Gaussian distribution represented by the probability distribution function p(x), which is typical for the distribution of credit-scores in the real world: