Credit Scoring Development | Chainscore Labs

overview

CORE SERVICE

Smart Contract Development

Secure, production-ready smart contracts built to your exact specifications.

We architect and deploy custom smart contracts that form the foundation of your Web3 product. Our development process is built for security and speed, delivering audit-ready code in 2-4 weeks for an MVP.

Full Lifecycle Development: From ideation and Solidity/Rust coding to deployment on EVM/Solana/Cosmos chains.
Security-First Approach: All code follows OpenZeppelin standards and undergoes internal review before your security audit.
Gas Optimization: We write contracts that minimize transaction costs, a critical factor for user adoption.

We don't just write code; we deliver the secure, functional logic layer your dApp needs to operate.

Our contracts are built for real-world use:

Token Systems: Custom ERC-20, ERC-721, and ERC-1155 implementations with advanced features like vesting and governance.
DeFi Primitives: Automated Market Makers (AMMs), lending pools, staking mechanisms, and yield aggregators.
Utility & Access: NFT-gated experiences, subscription models, and multi-signature wallets.

key-features-cards

ARCHITECTURE

Core Protocol Capabilities

Our credit scoring engine is built on a foundation of privacy-first, sybil-resistant identity. We deliver verifiable, on-chain creditworthiness without exposing sensitive personal data.

Zero-Knowledge Identity Proofs

Clients can verify user identity and financial reputation without accessing raw personal data. We implement zk-SNARKs to prove creditworthiness attributes while maintaining full user privacy and GDPR compliance.

EXPLORE

Sybil-Resistant Graph Analysis

We analyze on-chain transaction graphs to detect and filter out sybil attacks and wash trading. This ensures credit scores reflect genuine user behavior, protecting your protocol from manipulation.

EXPLORE

Multi-Chain & Cross-Chain Data Aggregation

Our system aggregates and normalizes financial behavior data across Ethereum, Polygon, Arbitrum, and other EVM chains. This provides a holistic, non-custodial view of a user's DeFi footprint for more accurate scoring.

Customizable Scoring Models

Deploy tailored credit models that weight factors like repayment history, collateralization ratios, and governance participation specific to your protocol's risk appetite. Models are deployed as upgradable, audited smart contracts.

Real-Time Score Updates & Oracles

Credit scores update in real-time based on on-chain events. We provide verifiable oracle feeds that your smart contracts can trustlessly query for underwriting, loan pricing, and collateral requirements.

Audited & Gas-Optimized Contracts

All core logic is deployed as gas-optimized Solidity contracts, audited by leading security firms. This ensures the integrity of the scoring system and minimizes operational costs for your application.

EXPLORE

benefits

DELIVERABLES

Business Outcomes for Your Platform

Integrate a robust, on-chain identity layer to unlock new revenue streams, reduce risk, and build trust. Here’s what you can expect.

Sybil-Resistant User Onboarding

Implement a verified identity layer that filters out bots and duplicate accounts, ensuring real user growth and protecting your platform's integrity from day one.

> 95%

Bot Detection Rate

Secured

On-Chain Proof

Risk-Based Lending & Credit

Deploy custom credit scoring models using on-chain transaction history and verified identity. Enable undercollateralized loans and dynamic interest rates with quantifiable risk.

Dynamic

Risk Pricing

On-Chain

Reputation Data

Compliant Airdrops & Rewards

Distribute tokens and rewards to verified, unique users. Eliminate Sybil attacks that drain treasury funds and ensure incentives reach your real community.

> 90%

Cost Efficiency

Targeted

Distribution

Governance with Integrity

Power DAO votes and governance proposals with identity-verified voting power. Prevent whale manipulation and Sybil attacks to ensure decentralized, fair decision-making.

1 Person

1 Verified Vote

Tamper-Proof

Audit Trail

Regulatory-Ready Identity

Build with privacy-preserving KYC/AML checks and proof-of-personhood protocols. Future-proof your platform for compliance without sacrificing user sovereignty.

ZK-Proofs

Privacy Tech

Compliance

Framework Ready

Monetize On-Chain Reputation

Create new business models by leveraging user's portable, Sybil-resistant identity. Enable tiered access, premium features, and loyalty programs based on verifiable history.

New

Revenue Streams

Portable

User Identity

Infrastructure Decision Matrix

Build vs. Buy: Sybil-Resistant Credit Scoring

A detailed comparison of the time, cost, and risk involved in developing a custom sybil-resistant credit scoring system versus leveraging Chainscore's enterprise-grade API.

Factor	Build In-House	Chainscore API
Time to Production	6-12 months	2-4 weeks
Initial Development Cost	$250K - $500K+	$15K - $50K
Security & Audit Overhead	High (unaudited risk)	Low (pre-audited system)
Ongoing R&D & Maintenance	2-3 FTEs ($300K+/year)	Included in subscription
Sybil Detection Models	Basic (on-chain only)	Advanced (on-chain + off-chain signals)
Supported Blockchains	Custom integration per chain	Ethereum, Polygon, Arbitrum, Base, Solana
Uptime & Reliability SLA	Your responsibility	99.9% SLA
Compliance & Data Privacy	Your legal team	GDPR-ready, privacy-by-design
Total Cost of Ownership (Year 1)	$550K - $800K+	$65K - $150K

how-we-deliver

SYSTEMATIC & SECURE

Our Development Process

A transparent, four-phase methodology designed to deliver robust, production-ready credit scoring infrastructure with Sybil-resistant identity, from concept to launch.

Architecture & Design

We define your on-chain/off-chain data model, select optimal identity primitives (World ID, Gitcoin Passport, Polygon ID), and architect the scoring algorithm for regulatory compliance and capital efficiency.

1-2 weeks

Design Sprint

3+ Protocols

Architected

Smart Contract Development

Implementation of the core scoring logic and identity verification modules in Solidity/Vyper. Includes gas optimization, upgradability patterns, and integration hooks for oracles and data feeds.

OpenZeppelin

Security Standard

4+ Audits

Per Contract

Security & Audit

Comprehensive security review including automated analysis (Slither), manual code review, and formal verification for critical functions. We prepare a detailed remediation report and final certification.

100%

Issue Resolution

Certik, Halborn

Audit Partners

Deployment & Integration

Managed deployment to mainnet/testnet with comprehensive monitoring setup. We provide SDKs, API documentation, and integration support for your front-end and backend systems.

< 72 hours

Go-Live

99.9% SLA

Initial Uptime

use-cases

SYBIL-RESISTANT IDENTITY IN ACTION

Applications & Industries

Our on-chain credit scoring infrastructure enables new financial primitives and unlocks capital for underserved markets. Deploy a production-ready system in weeks, not months.

Under-Collateralized Lending

Enable DeFi protocols to offer loans based on verifiable on-chain reputation, not just collateral. Reduce capital inefficiency and open lending to a wider user base with transparent risk assessment.

On-Chain KYC & Compliance

Streamline user onboarding for regulated DeFi and CeFi platforms with privacy-preserving identity verification. Meet regulatory requirements without sacrificing user experience or decentralization principles.

DAO Governance & Reputation

Move beyond token-weighted voting. Implement reputation-based governance models for DAOs using Sybil-resistant identity to measure genuine contribution and align voter incentives.

Web3 Loyalty & Credit Programs

Build sophisticated loyalty programs and credit lines for GameFi and SocialFi applications. Reward genuine users and offer in-app financial services based on proven engagement history.

Institutional Risk Assessment

Provide traditional financial institutions and hedge funds with transparent, data-driven risk scores for crypto-native counterparties and borrowers, bridging TradFi and DeFi due diligence.

Insurance & Credit Default Swaps

Power parametric insurance protocols and on-chain credit default swaps (CDS) with reliable, real-time creditworthiness data to accurately price risk and automate claim payouts.

Credit Scoring & Identity

Frequently Asked Questions

Common questions about implementing sybil-resistant identity and on-chain credit scoring for your application.

A standard integration for a new application takes 2-4 weeks. This includes configuring the scoring model, integrating our SDK/API, and implementing the sybil-resistance verification flow. For custom model development or complex multi-chain deployments, timelines extend to 6-8 weeks based on requirements.

Credit Scoring with Sybil-Resistant Identity

Smart Contract Development

Core Protocol Capabilities

Zero-Knowledge Identity Proofs

Sybil-Resistant Graph Analysis

Multi-Chain & Cross-Chain Data Aggregation

Customizable Scoring Models

Real-Time Score Updates & Oracles

Audited & Gas-Optimized Contracts

Business Outcomes for Your Platform

Sybil-Resistant User Onboarding

Risk-Based Lending & Credit

Compliant Airdrops & Rewards

Governance with Integrity

Regulatory-Ready Identity

Monetize On-Chain Reputation

Build vs. Buy: Sybil-Resistant Credit Scoring

Our Development Process

Architecture & Design

Smart Contract Development

Security & Audit

Deployment & Integration

Applications & Industries

Under-Collateralized Lending

On-Chain KYC & Compliance

DAO Governance & Reputation

Web3 Loyalty & Credit Programs

Institutional Risk Assessment

Insurance & Credit Default Swaps

Frequently Asked Questions

Get a free quote.

Get In Touch
today.

Credit Scoring with Sybil-Resistant Identity

Smart Contract Development

Core Protocol Capabilities

Zero-Knowledge Identity Proofs

Sybil-Resistant Graph Analysis

Multi-Chain & Cross-Chain Data Aggregation

Customizable Scoring Models

Real-Time Score Updates & Oracles

Audited & Gas-Optimized Contracts

Business Outcomes for Your Platform

Sybil-Resistant User Onboarding

Risk-Based Lending & Credit

Compliant Airdrops & Rewards

Governance with Integrity

Regulatory-Ready Identity

Monetize On-Chain Reputation

Build vs. Buy: Sybil-Resistant Credit Scoring

Our Development Process

Architecture & Design

Smart Contract Development

Security & Audit

Deployment & Integration

Applications & Industries

Under-Collateralized Lending

On-Chain KYC & Compliance

DAO Governance & Reputation

Web3 Loyalty & Credit Programs

Institutional Risk Assessment

Insurance & Credit Default Swaps

Frequently Asked Questions

Get In Touch today.

Get In Touch
today.