On-Chain Credit Score
More on Transaction History
Liquidations as a Proxy for Default
NFC (Non-Fungible Credit)
What is a Non-Fungible Credit?
Minting an NFC
Approaches to Verifiable Machine Learning
Distributed Credit Risk Modeling
The Future of Creditworthiness
This lending methodology is a potential implementation of Spectral's MACRO score. If you're interested in collaborating on this product please reach out to us at
Sequence diagram for a complete deposit/borrow/rebalance life cycle on our lending pool v1.
subject to change before launch
Smart Contract architecture is coming soon!
Spectral Lending - Previous