Risk management

Underwriting

We underwrite the user based on onchain data: wallet, transaction history, DeFi activity, and offchain data: bank account, assets & liabilities, and more exotic data sources like criminal history, tax reports, student status, that we get with zkTLS. Using this mix allows us to get more accurate results than any web2 company ever can, as well as serve a global audience. Emerging markets such as Latin America, Southeast Asia, and Africa have the highest need for credit for financial inclusion. At the same time, most people are under- or unbanked, making it impossible for traditional institutions to service them. However, we can underwrite them as we can compliantly and privately get access to previously unavailable data sources.

Servicing & default management

We employ several debt collection agencies to service our debt if needed. And plan to expand to fully onchain protocols in the future.