We architect and deploy audit-ready smart contracts for tokens, DeFi protocols, and NFT ecosystems. Our engineers write in Solidity 0.8+ using OpenZeppelin libraries and follow formal verification patterns to eliminate critical vulnerabilities before deployment.
LABS
Services
On-Chain Credit Scoring
We build custom, white-label protocols that generate trustless credit scores from wallet transaction history and DeFi activity, enabling undercollateralized lending and tailored financial products for your platform.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built by expert Solidity engineers.
- Token Systems: Custom
ERC-20,ERC-721, andERC-1155with advanced features like vesting, minting controls, and gas-optimized transfers. - DeFi & DAOs: Automated Market Makers (AMMs), staking pools, governance modules, and multi-signature treasuries.
- Security First: Every contract undergoes internal review and is prepared for third-party audits from firms like
CertiKorTrail of Bits.
We deliver contracts that are secure by design, reducing your time-to-audit and mitigating the risk of exploits that can cost millions.
From a 2-week MVP to a complex multi-chain protocol, we provide the technical foundation your product needs to launch with confidence.
key-features-cards
ARCHITECTURE
Core Protocol Capabilities
Our on-chain credit scoring protocol is built on a modular, audited architecture designed for enterprise-grade security, seamless integration, and real-time risk assessment. We deliver the foundational infrastructure, so you can build compliant, data-driven lending products faster.
01
Modular Scoring Engine
A pluggable framework supporting custom risk models, multi-chain data aggregation, and real-time score recalculation. Deploy your proprietary algorithms or leverage our pre-built models for DeFi, RWA, and institutional lending.
Sub-2 sec
Score Latency
100+
Data Sources
02
On-Chain Data Oracle Network
Secure, low-latency oracles that aggregate and verify off-chain financial data (bank statements, tradFi history) and on-chain activity (wallet history, DeFi positions) for a 360-degree credit view.
99.9%
Uptime SLA
< 1 sec
Data Freshness
03
Privacy-Preserving Computation
Implement zero-knowledge proofs (ZK-SNARKs) and secure multi-party computation to run credit assessments without exposing raw user data. Maintain regulatory compliance (GDPR, CCPA) while leveraging sensitive information.
ZK-SNARKs
Tech Stack
Fully Audited
Security
04
Cross-Chain Identity & Portability
A non-custodial, soulbound identity layer that allows user credit reputations to be portable across EVM and non-EVM chains. Break down liquidity silos and enable universal underwriting.
10+ Chains
Supported
ERC-7252
Standard
05
Automated Compliance & Reporting
Built-in modules for KYC/AML checks, audit trails, and regulatory reporting. Generate compliant proof-of-credit for auditors and regulators directly from the protocol state.
Automated
Audit Trail
GDPR Ready
Compliance
benefits
TANGIBLE RESULTS
Business Outcomes for Your Platform
Integrating on-chain credit scoring isn't just about adding a feature—it's about unlocking new revenue streams, reducing risk, and building a more sophisticated financial product. Here's what you can expect.
01
Expand Lending Markets
Enable undercollateralized and identity-based lending by assessing borrower risk directly on-chain. Move beyond simple overcollateralized DeFi to capture the larger, underserved market of creditworthy users without significant crypto holdings.
10-50x
Potential Borrower Pool
New Revenue
Interest & Fees
02
Reduce Protocol Risk
Dynamically adjust loan terms, collateral ratios, and credit limits based on a user's verifiable, immutable financial history. Proactively manage your portfolio's default risk with data-driven insights instead of static rules.
Risk-Based
Pricing Models
Real-Time
Portfolio Monitoring
03
Enhance User Onboarding
Offer instant, permissionless credit lines to users with proven on-chain reputations. Eliminate lengthy KYC forms and manual approval processes, creating a seamless experience that drives user acquisition and retention.
< 60 sec
Credit Decision
0 KYC
For Qualified Users
04
Build DeFi-Composability
Publish a standardized, verifiable credit score as an on-chain asset (e.g., an SBT or NFT). Allow other protocols in your ecosystem to permissionlessly trust and leverage your risk assessment, creating network effects.
ERC-20/721
Score Tokenization
Cross-Protocol
Utility
05
Data-Driven Product Strategy
Gain unprecedented insight into your users' financial behaviors across wallets and protocols. Use this intelligence to design new products, optimize existing ones, and identify your most valuable customer segments.
Cross-Chain
Behavioral Analysis
Actionable
Product Insights
06
Regulatory Readiness
Implement a transparent, auditable, and algorithmically fair credit assessment system. Build a verifiable record of lending decisions to demonstrate compliance with emerging principles of responsible finance in digital assets.
Immutable
Decision Log
Algorithmic
Fairness & Audit
Strategic Comparison
Build vs. Buy: Why a Custom Protocol Wins
A detailed breakdown of the costs, risks, and outcomes of building an on-chain credit scoring system in-house versus partnering with Chainscore Labs.
| Factor | Build In-House | Partner with Chainscore |
|---|---|---|
Time to Market | 6-12+ months | 4-8 weeks |
Initial Development Cost | $250K - $600K+ | $75K - $200K |
Security Audit & Risk | High (unaudited, custom code) | Low (pre-audited modules, battle-tested patterns) |
Team Overhead | 3-5 Senior Engineers (full-time) | Dedicated Project Lead + Engineering Team |
Ongoing Maintenance | Your team (2+ FTEs) | Optional SLA with 99.9% uptime |
Protocol Flexibility | Full control, high complexity | Custom-built to spec, extensible architecture |
Data Source Integration | Your responsibility | Pre-built adapters for oracles & APIs |
Regulatory Compliance | Your legal team's burden | Architected with compliance-by-design |
Total Cost (Year 1) | $500K - $1.2M+ | $150K - $350K |
how-we-deliver
PROVEN METHODOLOGY
Our Development & Integration Process
A structured, four-phase approach to deliver a secure, scalable, and production-ready on-chain credit scoring system. We focus on rapid deployment and measurable outcomes.
01
Phase 1: Discovery & Architecture
We conduct a technical deep-dive to define your scoring model, data sources, and target chain. Deliverables include a detailed technical specification and architecture diagram for your custom credit oracle.
1-2 weeks
Duration
100%
Specification Complete
02
Phase 2: Core Smart Contract Development
Our senior Solidity engineers build your custom scoring logic with gas optimization and upgradability in mind. All contracts follow OpenZeppelin standards and are prepared for formal verification.
2-4 weeks
Development Time
OpenZeppelin
Security Standard
03
Phase 3: Oracle & Data Pipeline Integration
We integrate secure off-chain data sources (e.g., Chainlink, Pyth, custom APIs) and build the on-chain oracle to feed verified data into your scoring model with sub-5 second latency.
< 5 sec
Data Latency
99.5%
Oracle Uptime SLA
04
Phase 4: Security Audit & Mainnet Deployment
Your system undergoes a comprehensive security review by our internal audit team, followed by a staged deployment to testnet and final mainnet launch with full monitoring.
2 weeks
Audit Cycle
< 1 day
Go-Live Deployment
From Design to Mainnet
Typical 8-Week Delivery Timeline
A structured, milestone-driven delivery plan for a production-ready on-chain credit scoring system.
| Phase & Milestone | Week | Deliverables | Client Involvement |
|---|---|---|---|
Discovery & Architecture | 1-2 | Technical spec, data source mapping, smart contract design | Requirements workshop, sign-off |
Core Protocol Development | 3-4 | On-chain scoring logic, off-chain data oracle, test suite | Bi-weekly review, feedback on logic |
Security Audit & Testing | 5-6 | Internal audit report, integration tests, staging deployment | UAT environment access, test case validation |
Deployment & Integration | 7 | Mainnet deployment, API gateway setup, documentation | Wallet provisioning, final security sign-off |
Go-Live & Monitoring | 8 | Production monitoring dashboard, SLA activation, handover | Launch support, team training |
For CTOs and Product Leaders
On-Chain Credit Scoring: Key Questions
Get clear, technical answers to the most common questions about building and deploying a custom on-chain credit scoring system.
A standard on-chain credit scoring system with a core scoring model and basic integration deploys in 4-6 weeks. Complex implementations with multi-chain support, advanced data oracles, and custom governance can extend to 8-12 weeks. We follow a phased delivery model with weekly demos, starting with a working proof-of-concept in the first 2 weeks.
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