We architect, develop, and audit custom Solidity and Rust smart contracts that form the foundation of your Web3 product. Our focus is on security-first development, gas optimization, and long-term maintainability to protect your assets and users.
LABS
Services
Lending Protocol Borrower Verification
Integrate compliant, on-chain identity verification into your lending protocol. We build systems that enable risk-based collateral factors and tiered loan market access based on verified user credentials.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
- End-to-End Development: From initial design and prototyping to deployment and verification on mainnet.
- Security Audits: Internal review using industry-standard tools (
Slither,MythX) and adherence toOpenZeppelinpatterns. - Compliance & Standards: Implementation of
ERC-20,ERC-721,ERC-1155, and custom standards with built-in upgradeability via proxies.
Deliver a battle-tested, auditable codebase in 2-4 weeks for an MVP, reducing your technical risk and accelerating your go-to-market.
key-features-cards
ENTERPRISE-GRADE INFRASTRUCTURE
Core Verification & Integration Capabilities
Our modular verification stack is built for production, delivering the security, speed, and reliability required by leading lending protocols. We handle the complexity so you can focus on growth.
01
On-Chain Creditworthiness Scoring
Real-time analysis of wallet transaction history, DeFi positions, and NFT holdings to generate dynamic, non-custodial credit scores. Enables risk-based loan pricing and automated underwriting.
15+
Data Points Analyzed
< 2 sec
Score Generation
02
Multi-Chain Identity & Reputation Aggregation
Unified borrower profile across Ethereum, Polygon, Arbitrum, and other EVM chains. Prevents identity fragmentation and ensures a holistic view of a user's financial footprint.
10+
Supported Chains
99.9%
Data Uptime SLA
03
Automated KYC/AML Compliance Layer
Seamless integration with leading compliance providers (e.g., Sumsub, Onfido) for identity verification and sanction screening. Maintains user privacy with zero-knowledge proofs where applicable.
200+
Jurisdictions Covered
SOC 2
Compliance Standard
04
Real-Time Collateral Health Monitoring
Continuous surveillance of collateralized assets for price volatility, liquidity depth, and protocol-specific risks. Triggers automated alerts and liquidation readiness.
24/7
Monitoring
< 30 sec
Alert Latency
05
Gas-Optimized Smart Contract Adapters
Pre-audited, upgradeable smart contracts that plug directly into your lending pool. Handles verification logic off-chain, minimizing on-chain gas costs for users.
40%
Avg. Gas Reduction
OpenZeppelin
Security Standard
benefits
DELIVERABLES & GUARANTEES
Business Outcomes for Your Protocol
Our borrower verification service delivers measurable improvements to your lending protocol's core metrics, from risk management to user experience. Here's what you can expect.
01
Reduced Default Risk
Implement multi-layered on-chain and off-chain verification to filter out high-risk borrowers before they can take a loan, directly protecting your protocol's capital.
> 40%
Lower Default Rate
Real-time
Risk Scoring
02
Accelerated Time-to-Market
Deploy a production-ready, audited verification module in weeks, not months. We provide the complete stack: smart contracts, oracles, and a management dashboard.
< 4 weeks
Deployment Time
Pre-audited
Code Base
03
Enhanced Capital Efficiency
Enable higher loan-to-value (LTV) ratios for verified, low-risk borrowers, increasing your protocol's utilization and revenue potential without compromising security.
Up to 20%
Higher LTV
Dynamic
Risk-Based Pricing
04
Regulatory Compliance Readiness
Build with compliance in mind. Our modular design integrates KYC/AML checks and transaction monitoring, making it easier to operate in regulated jurisdictions.
Modular
Compliance Layer
Audit Trail
Full Transparency
05
Superior Borrower Experience
Offer instant, non-custodial verification that doesn't leak personal data on-chain. Users get better rates and higher limits with a seamless, one-time setup.
< 60 sec
Verification Time
Non-Custodial
User Privacy
A Cost-Benefit Analysis for Technical Leaders
Build vs. Buy: Implementing Borrower Verification
Compare the total cost of ownership, risk, and time-to-market between developing a custom solution and leveraging Chainscore's battle-tested verification infrastructure.
| Factor | Build In-House | Chainscore |
|---|---|---|
Time to Production | 4-9 months | 4-8 weeks |
Initial Development Cost | $150K - $400K+ | $25K - $75K |
Annual Maintenance Cost | $80K - $150K (2-3 FTE) | Optional SLA from $15K/year |
Security & Audit Overhead | High (unaudited risk, 3rd-party audit required) | Low (pre-audited modules, continuous monitoring) |
Protocol Integration Complexity | High (custom adapters for Aave, Compound, etc.) | Low (pre-built adapters for major lending protocols) |
Credit Scoring & KYC Data Sources | Your responsibility to source & integrate | Integrated with leading providers (e.g., Chainalysis, Merkle Science) |
Uptime & Reliability SLA | Your team's responsibility (typically < 99.5%) | 99.9% SLA with 24/7 monitoring |
Regulatory Compliance Updates | Your legal/tech team must track & implement | Included (we monitor FATF, MiCA, etc.) |
Total Cost of Ownership (Year 1) | $230K - $550K+ | $40K - $90K |
how-we-deliver
PREDICTABLE, AUDITABLE, SECURE
Our Delivery Process: From Design to Mainnet
A transparent, phase-gated approach to delivering production-ready borrower verification systems. We de-risk your launch with clear milestones, expert security practices, and guaranteed outcomes.
01
Phase 1: Architecture & Risk Modeling
We define your credit policy, design the on-chain/off-chain data flow, and model collateralization ratios. This includes selecting optimal oracles (Chainlink, Pyth) and designing the dispute resolution mechanism.
Deliverable: Technical Specification Document & Risk Model.
5-7 days
Specification Finalization
100%
Requirement Sign-off
02
Phase 2: Core Smart Contract Development
Development of the core verification logic, collateral vaults, and liquidation engine in Solidity 0.8+. We implement battle-tested patterns from OpenZeppelin and conduct internal security reviews before external audit.
Deliverable: Deployable, commented smart contract suite.
2-3 weeks
Development Sprint
OpenZeppelin
Security Foundation
03
Phase 3: Security Audit & Formal Verification
Your contracts undergo a rigorous audit by a top-tier firm (e.g., Spearbit, Code4rena). We manage the entire process, from scoping to remediation, ensuring zero critical issues at launch. Optionally, we apply formal verification for critical functions.
Deliverable: Final Audit Report & Remediation Certificate.
Zero Critical
Guarantee at Launch
2-4 weeks
Audit Cycle
04
Phase 4: Testnet Deployment & Integration
Full deployment on a testnet (Sepolia, Holesky) with comprehensive integration testing. We simulate borrower flows, oracle failures, and liquidation events. Your team receives a full integration guide for front-end and backend systems.
Deliverable: Live Testnet Environment & Integration SDK.
> 200
Test Scenarios
1 week
Integration Support
05
Phase 5: Mainnet Launch & Monitoring
We execute the mainnet deployment with multi-sig governance, configure real-time monitoring (Tenderly, OpenZeppelin Defender), and establish incident response protocols. We provide 24/7 monitoring support for the first 30 days post-launch.
Deliverable: Production System with 99.9% Uptime SLA.
99.9%
Uptime SLA
30 days
Launch Support
06
Phase 6: Ongoing Protocol Upgrades
Post-launch, we offer retainer services for protocol upgrades, new feature development, and parameter tuning based on market data. All upgrades follow the same rigorous audit and deployment process.
Deliverable: Continuous Improvement Roadmap.
48-hour
Emergency Response
Governance
Upgrade Support
security-compliance
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built by Web3-native engineers.
We architect and deploy custom smart contracts that are secure, gas-optimized, and upgradeable. Our development process is built on industry-standard security patterns and rigorous testing to protect your assets and users.
From token launches to complex DeFi logic, we deliver contracts that are ready for mainnet on day one.
- Security-First Development: Code audits, formal verification, and
OpenZeppelinlibraries. - Full-Stack Integration: Seamless connection to your frontend, APIs, and backend systems.
- Protocol Expertise:
ERC-20,ERC-721,ERC-1155,ERC-4626, and custom standards. - Measurable Outcomes: Reduce audit cycles by 40% and achieve 99.9% uptime SLA post-deployment.
Lending Protocol Borrower Verification
Frequently Asked Questions
Get clear answers about our specialized service for building secure, compliant, and capital-efficient on-chain credit systems.
A standard implementation takes 4-8 weeks from kickoff to mainnet deployment. This includes requirements analysis, smart contract development, integration of oracles/identity providers, security audit, and testnet staging. Complex systems with novel collateral types or multi-chain support may extend to 12 weeks. We provide a detailed project plan within the first week.
ENQUIRY
Get In Touch
today.
Our experts will offer a free quote and a 30min call to discuss your project.
NDA Protected
Confidentiality24h Response
Time to ValueDirectly to Engineering Team
No Sales Fluff10+
Protocols Shipped
$20M+
TVL Overall