We architect and build bespoke blockchain systems tailored to your business logic. Our full-cycle development delivers production-ready mainnet deployments with 99.9% uptime SLAs.
LABS
Services
EVM-Based Credit Scoring Model Development
Design and deploy custom, AI-powered credit scoring smart contracts on EVM chains to assess borrower risk using on-chain data, enabling DeFi lending protocols with automated underwriting.
Chainscore © 2026
overview
FULL-STACK ENGINEERING
Custom Blockchain Development
End-to-end blockchain solutions from protocol design to production deployment.
- Layer 1 & 2 Development: Custom sidechains, app-chains (
Cosmos SDK,Substrate), and zk-rollups. - Smart Contract Suites: Secure
Solidity 0.8+/Rustdevelopment with formal verification. - Node Infrastructure: Managed validator networks, RPC endpoints, and indexers.
- Integration: Seamless APIs and
web3.js/ethers.jsSDKs for your frontend.
Go from concept to live network in 8-12 weeks. We handle the entire stack so you can focus on your product.
key-features-cards
ARCHITECTURE
Core Components of Our Credit Scoring System
We build transparent, on-chain credit models with auditable logic and verifiable data. Our modular system integrates seamlessly with your DeFi protocols, enabling risk-based lending, underwriting, and identity verification.
02
Customizable Scoring Algorithm Engine
Deploy your proprietary credit logic as verifiable, upgradeable smart contracts. Our engine supports weighted attributes, time-decay functions, and community-governed parameter updates.
Key Deliverables:
- Gas-optimized Solidity scoring contracts
- Configurable risk models (reputation, collateralization, payment history)
- On-chain governance hooks for parameter tuning
04
Compliance & Audit-Ready Smart Contracts
All scoring logic and data handling contracts are developed with security-first principles, undergo formal verification, and are ready for third-party audits.
Key Deliverables:
- Contracts built with OpenZeppelin libraries and Solidity 0.8+
- Comprehensive test suites with >95% coverage
- Detailed technical documentation and audit reports
05
Real-Time API & Integration Layer
Expose credit scores and risk signals through a low-latency, reliable GraphQL API. Includes webhook alerts for score changes and pre-built SDKs for DeFi apps.
Key Deliverables:
- Sub-second GraphQL API with rate limiting
- Web3.js/Ethers.js SDK for easy dApp integration
- 99.9% uptime SLA for critical endpoints
99.9%
API Uptime SLA
< 200ms
P95 Latency
06
Continuous Monitoring & Model Governance
Monitor model performance, data drift, and economic conditions with dashboards and automated alerts. Includes tools for model retraining and version-controlled upgrades.
Key Deliverables:
- Performance dashboards (accuracy, default rates)
- Automated alerts for anomalous wallet behavior
- Secure, multi-sig governed upgrade mechanisms
benefits
MEASURABLE RESULTS
Business Outcomes for Your Lending Protocol
Our EVM-based credit scoring models are engineered to deliver specific, quantifiable improvements to your lending protocol's core metrics and market position.
01
Sharper Risk Assessment
Deploy a custom credit model that reduces default rates by accurately scoring on-chain and off-chain borrower data. Move beyond simple over-collateralization.
40-60%
Lower Default Risk
Real-time
Score Updates
02
Increased Capital Efficiency
Enable under-collateralized and identity-based lending pools. Expand your total addressable market by serving creditworthy borrowers without requiring excessive capital lock-up.
2-5x
Higher LTV Ratios
New Segments
Market Access
03
Regulatory & Compliance Readiness
Build with privacy-preserving KYC/AML checks and audit trails from day one. Our models are designed to integrate with regulatory frameworks, future-proofing your protocol.
GDPR/CCPA
Compliant Design
ZK-Proofs
Privacy Option
04
Faster Time-to-Market
Leverage our pre-audited modular components and proven architecture. Go from concept to a secure, production-ready credit module in weeks, not months.
< 6 weeks
To MVP
Pre-Audited
Core Modules
05
Enhanced Protocol Security
Receive a fully audited smart contract system for your credit logic. Our development follows OpenZeppelin standards and includes formal verification for critical functions.
Multi-Audit
Security Process
0 Critical
Vulnerability Target
06
Sustainable Fee Revenue
Monetize risk assessment by charging origination or service fees based on credit tier. Create a new, predictable revenue stream alongside interest income.
1-3%
Origination Fees
Recurring
Revenue Model
Structured Roadmap to Production
Phased Development Tiers
Our modular approach allows you to launch a secure, functional credit scoring model and scale its capabilities as your protocol grows. Choose the tier that matches your current stage.
| Core Deliverables | Foundation | Growth | Scale |
|---|---|---|---|
Custom Scoring Logic Development | |||
On-Chain Data Oracle Integration | Basic (1 source) | Advanced (3+ sources) | Custom Multi-Source |
Off-Chain Attestation Framework | |||
Smart Contract Audit & Security Review | Basic Review | Comprehensive Audit | Audit + Formal Verification |
Gas-Optimized Solidity Contracts | |||
Deployment & Configuration Support | Mainnet Only | Multi-Chain (Up to 3) | Full Infrastructure Orchestration |
API Gateway & Developer Docs | Standard | Enhanced with SDK | White-Label Portal |
Performance & Uptime Monitoring | 7-Day Post-Launch | 30-Day SLA (99.5%) | 24/7 Monitoring (99.9% SLA) |
Incident Response Time | Best Effort | < 12 Hours | < 1 Hour |
Ongoing Model Tuning & Support | Ad-hoc | Quarterly Reviews | Dedicated Engineer |
Estimated Timeline | 4-6 Weeks | 8-12 Weeks | 12+ Weeks |
Starting Investment | $25,000 | $75,000 | Custom Quote |
how-we-deliver
METHODOLOGY
Our Development & Integration Process
A structured, four-phase approach to deliver a production-ready, secure, and scalable EVM-based credit scoring model, minimizing your technical risk and accelerating time-to-market.
01
1. Discovery & Data Architecture
We analyze your target market and existing data sources to design a robust on-chain/off-chain data pipeline. This phase defines the scoring logic, identifies required oracles (e.g., Chainlink), and establishes the data privacy framework.
2-3 weeks
Phase Duration
100+
Data Points Analyzed
02
2. Smart Contract Development & Auditing
Our senior Solidity engineers build the core scoring logic, governance mechanisms, and integration hooks. Every contract undergoes rigorous internal review followed by a formal security audit from a leading third-party firm before deployment.
OpenZeppelin
Security Standard
2 Audits
Security Layers
03
3. Model Integration & API Layer
We deploy the smart contracts to your chosen EVM network (Mainnet/Testnet) and build a secure, low-latency backend API. This service layer handles off-chain computations, oracle calls, and provides a simple interface for your dApp or partners.
< 100ms
API Latency
99.9% SLA
Uptime
04
4. Testing, Deployment & Documentation
Comprehensive testing across unit, integration, and stress scenarios ensures reliability. We handle the mainnet deployment and provide complete technical documentation, integration guides, and developer support for your team.
Full Suite
Test Coverage
Live Support
Post-Launch
tech-stack
ENTERPRISE-GRADE FOUNDATION
Technology & Protocol Stack
Our EVM-based credit scoring models are built on a production-hardened stack, ensuring security, scalability, and seamless integration with your existing DeFi or FinTech infrastructure.
01
Smart Contract Architecture
Secure, upgradeable smart contracts built with Solidity 0.8+ and OpenZeppelin libraries. We implement proxy patterns for future-proofing and gas-optimized logic for on-chain scoring calculations.
OpenZeppelin
Security Standard
Proxy Patterns
Upgradeability
02
Oracle Integration Layer
Robust integration with Chainlink, Pyth, and custom oracles for secure, reliable off-chain data feeds. We ensure tamper-proof inputs for income verification, transaction history, and real-world asset data.
Chainlink / Pyth
Oracle Providers
Multi-Source
Data Verification
03
On-Chain Data Indexing
Comprehensive indexing of wallet histories, DeFi interactions, and NFT holdings using The Graph or custom subgraphs. Enables deep, real-time analysis of on-chain financial behavior.
The Graph
Indexing Protocol
Real-Time
Data Availability
04
Zero-Knowledge Proofs (ZKPs)
Optional integration of zk-SNARKs (via Circom) or zk-STARKs for privacy-preserving credit checks. Allows users to prove creditworthiness without exposing sensitive transaction details.
zk-SNARKs/STARKs
Privacy Tech
Selective Disclosure
User Control
05
Cross-Chain Compatibility
Model deployment and portability across major EVM chains (Ethereum, Polygon, Arbitrum, Base) using LayerZero or CCIP. Ensures your scoring logic works wherever your users are.
Ethereum L1/L2
Supported Chains
LayerZero
Interoperability
06
Security & Auditing
End-to-end security with formal verification (Certora), third-party audits (Trail of Bits, Quantstamp), and automated testing (Slither, Foundry). We deliver verifiably secure models.
Trail of Bits
Audit Partner
Formal Verification
Security Method
EVM Credit Scoring
Frequently Asked Questions
Get clear answers about our development process, security, and timelines for building a custom on-chain credit model.
A complete end-to-end deployment, from initial design to mainnet launch, typically takes 6 to 10 weeks. This includes 2 weeks for data schema design and model specification, 3-4 weeks for core smart contract development and unit testing, 2 weeks for internal and external security audits, and 1-2 weeks for final integration and deployment. Timelines adjust for complexity, such as multi-chain deployment or advanced ML oracle integration.
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