We architect and deploy custom Solidity/Rust smart contracts that are secure by design. Every contract undergoes formal verification and peer review before deployment to mainnet.
LABS
Services
Decentralized Credit Scoring System Development
We build composable credit scoring protocols that aggregate repayment history from multiple lending platforms, creating portable, non-custodial credit identities to power undercollateralized P2P lending.
Chainscore © 2026
overview
CORE SERVICE
Custom Smart Contract Development
Secure, production-ready smart contracts built for your specific business logic.
- From Concept to Mainnet: We handle the full lifecycle—from initial design and
OpenZeppelinintegration to deployment and post-launch monitoring. - Security-First Development: Our code is built with established patterns, includes comprehensive unit/integration tests, and is prepared for third-party audits.
- Gas Optimization: We write efficient code to minimize transaction costs, a critical factor for user adoption and protocol sustainability.
Deliver a battle-tested, auditable foundation for your dApp in as little as 4-6 weeks.
key-features-cards
ENTERPRISE-GRADE INFRASTRUCTURE
Core Features of Our Credit Scoring Protocol
Our protocol delivers a production-ready, on-chain credit assessment layer. We build for technical teams who need auditable, composable, and high-performance scoring logic integrated directly into their DeFi, lending, or identity products.
benefits
TANGIBLE RESULTS
Business Outcomes for Your Lending Platform
Our decentralized credit scoring system delivers measurable improvements in risk management, operational efficiency, and capital deployment. See the specific outcomes you can expect.
01
Reduced Default Risk
Leverage on-chain transaction history and off-chain data oracles to build predictive risk models, reducing default rates by up to 40% compared to traditional scoring methods.
40%
Lower Defaults
Real-time
Risk Updates
02
Expanded Borrower Pool
Score the 1.7B+ global underbanked population using alternative on-chain data, unlocking new, creditworthy market segments without traditional financial history.
1.7B+
Addressable Market
0 KYC
For Permissionless Pools
03
Automated Underwriting
Replace manual reviews with smart contract-powered loan origination. Set risk-based parameters (LTV, interest) that execute automatically, cutting approval time from days to seconds.
< 60 sec
Loan Approval
90%
Cost Reduction
04
Capital Efficiency
Dynamic, risk-adjusted capital allocation allows lenders to offer better rates to prime borrowers while protecting pools with higher reserves for riskier segments.
15-25%
Higher APY for Lenders
Dynamic
Reserve Ratios
05
Regulatory & Audit Readiness
Fully transparent and immutable scoring logic with built-in compliance modules (travel rule, sanctions screening) and ready-for-audit data trails.
Immutable
Audit Trail
Modular
Compliance
06
Faster Time-to-Market
Deploy a production-ready, white-label credit scoring engine integrated with major lending protocols (Aave, Compound forks) in weeks, not months.
< 4 weeks
To Production
White-label
Solution
Structured Roadmap for Your Credit Scoring Protocol
Phased Development & Deliverables
A transparent, milestone-driven development process from initial design to full-scale deployment and ongoing support.
| Phase & Deliverable | Foundation (Weeks 1-4) | Core Build (Weeks 5-12) | Launch & Scale (Weeks 13+) |
|---|---|---|---|
Smart Contract Architecture & Design | Comprehensive design docs, risk model logic | Solidity development & internal testing | Final audit preparation & deployment scripts |
On-Chain Data Oracle Integration | Specification for 3+ data sources (e.g., Chainlink, Pyth) | Oracle adapter contracts & fallback logic | Live data feed validation & monitoring |
Off-Chain Computation Engine | System design for score calculation API | API development & private testnet integration | Load testing & horizontal scaling setup |
User & Developer Interfaces | UI/UX wireframes & API spec | Lender dashboard & developer SDK | Production frontend deployment & docs |
Security & Audits | Threat modeling & initial code review | Internal audit & testnet bug bounty | External audit by top firm (e.g., Spearbit, Zellic) |
Deployment & Go-Live | Testnet deployment on 2+ chains | Mainnet deployment & configuration | Production monitoring & incident response plan |
Ongoing Support & SLA | Weekly sync calls | Priority email & chat support | 99.9% uptime SLA & dedicated engineer |
how-we-deliver
END-TO-END DELIVERY
Our Development & Integration Process
A structured, transparent approach to building and deploying your custom decentralized credit scoring system, from initial design to full-scale production integration.
01
Requirement Analysis & System Design
We conduct a deep-dive workshop to map your scoring logic, data sources, and compliance needs to a modular on-chain architecture. Deliverables include a technical specification and a detailed integration roadmap.
2-3 days
Workshop Duration
1 Week
Spec Delivery
02
Smart Contract Development & Auditing
Our team builds your core scoring logic, data oracle integrations, and governance modules in Solidity 0.8+. Every contract undergoes internal review followed by a formal audit from a leading security firm like CertiK or Quantstamp.
100%
Audit Coverage
OpenZeppelin
Security Standard
03
Off-Chain Infrastructure & API Layer
We deploy and manage the secure off-chain components: data aggregation pipelines, privacy-preserving computation nodes, and a robust REST/GraphQL API for seamless integration with your existing platforms.
99.9%
API Uptime SLA
< 100ms
Median Response
04
Staging Deployment & Testing
Your system is deployed to a testnet or private staging environment. We execute comprehensive integration testing, simulate load scenarios, and conduct a security penetration test to ensure production readiness.
500+
Test Cases
Full Pen Test
Security Validation
05
Mainnet Launch & Monitoring
We manage the secure, phased mainnet deployment of contracts and infrastructure. Post-launch, we provide 24/7 monitoring, alerting, and performance dashboards for all on-chain and off-chain components.
Phased Rollout
Launch Strategy
24/7
SRE Support
06
Ongoing Support & Upgrades
We offer ongoing maintenance, protocol upgrades, and feature development. Our team handles smart contract migrations, parameter tuning, and integration of new data sources as your product evolves.
4-Hour
Critical Response
SLA-Backed
Maintenance
security
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built by Web3 experts to power your decentralized applications.
We architect, develop, and deploy custom smart contracts on Ethereum, Solana, and other EVM/L1 chains. Our process delivers audit-ready code from day one, significantly reducing time-to-market and technical risk.
- Full Lifecycle Development: From ideation and
Solidity/Rustcoding to deployment and maintenance. - Security-First Approach: Built with
OpenZeppelinstandards, formal verification, and internal audit passes before third-party review. - Gas Optimization: Contracts engineered for up to 40% lower execution costs through efficient storage and logic patterns.
We don't just write code; we deliver the secure, scalable foundation your product needs to launch and grow.
Our team specializes in:
- DeFi Protocols: DEXs, lending/borrowing platforms, yield aggregators, and liquidity management systems.
- NFT & Digital Assets:
ERC-721A,ERC-1155marketplaces, generative art mints, and royalty engines. - Enterprise & DAOs: Custom governance modules, multi-sig treasuries, and permissioned access controls.
Decentralized Credit Scoring
Frequently Asked Questions
Common questions from CTOs and founders about building a secure, compliant, and scalable on-chain credit system.
We deliver a production-ready, audited MVP in 6-10 weeks. This includes the core smart contract suite (identity, scoring, dispute resolution), a basic front-end dashboard, and integration with 2-3 data oracles. Complex integrations (e.g., with legacy banking APIs) or custom governance models can extend this timeline, which we scope and agree upon before project kickoff.
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