We architect and deploy audit-ready smart contracts on EVM chains like Ethereum, Polygon, and Arbitrum. Our development process integrates OpenZeppelin standards and formal verification patterns from day one, ensuring security and gas efficiency are foundational, not an afterthought.
LABS
Services
AI-Powered Credit Scoring System
Deploy a decentralized, privacy-preserving credit scoring engine. Our AI agents analyze on-chain and verified off-chain data to autonomously assign and adjust credit limits for DeFi lending protocols.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built by Web3 experts to power your decentralized applications.
Reduce your time-to-market from months to weeks with our battle-tested development framework.
Our deliverables include:
- Full-stack smart contract systems for DeFi, NFTs, DAOs, and RWA.
- Comprehensive documentation and developer handoff packages.
- Integration with frontends, oracles, and indexers for a complete MVP.
We focus on long-term maintainability. Every contract is built with upgradeability patterns like TransparentProxy, includes gas optimization reports, and undergoes internal peer review before your security audit. This disciplined approach prevents costly exploits and technical debt.
key-features-cards
ARCHITECTURE
Core Components of Our AI Credit Engine
Our credit scoring system is built on a modular, auditable stack designed for regulatory compliance and high-performance risk assessment in DeFi and TradFi.
01
On-Chain & Off-Chain Data Aggregation
We ingest and normalize data from 50+ sources, including wallet transaction history, DeFi protocol interactions, and verified off-chain financial records, creating a unified financial profile.
50+
Data Sources
< 1 sec
Data Fetch
02
ML-Powered Risk Modeling Engine
Proprietary machine learning models analyze transaction patterns, collateralization ratios, and repayment history to generate dynamic, non-discriminatory credit scores. Models are regularly retrained on the latest market data.
100M+
Tx Analyzed
90%+
Predictive Accuracy
03
Privacy-Preserving Computation
Sensitive user data is processed using zero-knowledge proofs (ZKPs) and secure multi-party computation (sMPC), ensuring creditworthiness can be proven without exposing raw financial history.
ZK-SNARKs
Tech Stack
SOC 2
Compliance
04
Real-Time Score Oracle
Credit scores and risk limits are published as verifiable, tamper-proof data feeds on-chain via a decentralized oracle network, enabling instant underwriting for lending protocols.
< 3 sec
Score Update
99.9%
Oracle Uptime
05
Compliance & Audit Layer
Built-in modules for KYC/AML checks, regulatory reporting (e.g., FCRA, GDPR), and a full audit trail. All model decisions are explainable to meet fair lending standards.
GDPR/FCRA
Compliance
Full Audit
Traceability
benefits
TANGIBLE RESULTS
Business Outcomes for Your Lending Protocol
Our AI-powered credit scoring system delivers measurable improvements in risk management, capital efficiency, and user growth. See the specific outcomes you can expect.
01
Reduced Default Risk
Leverage predictive AI models trained on on-chain and off-chain data to identify high-risk borrowers before they default, significantly lowering your protocol's bad debt.
Up to 40%
Lower Default Rates
Real-time
Risk Assessment
02
Increased Capital Efficiency
Enable higher loan-to-value (LTV) ratios for creditworthy users without increasing risk, unlocking more lending volume from your existing liquidity pools.
15-25%
Higher Avg. LTV
Dynamic
Collateral Pricing
03
Expanded Borrower Base
Onboard undercollateralized and first-time borrowers safely using alternative data scoring, tapping into new market segments and driving protocol growth.
2-3x
More Eligible Users
< 60 sec
Credit Decision
04
Enhanced Regulatory Compliance
Implement transparent, auditable scoring logic with built-in KYC/AML risk flags, helping you navigate global financial regulations with confidence.
FATF Travel Rule
Compliance Ready
Fully Auditable
Model Logic
05
Superior User Experience
Offer instant, seamless loan approvals with personalized rates. A frictionless UX drives higher user retention and lifetime value.
< 5 sec
Approval Time
Personalized
Interest Rates
From MVP to Full-Scale Deployment
AI-Powered Credit Scoring System Implementation Roadmap
A structured, phased approach to developing and launching your AI-driven on-chain credit scoring system, ensuring a controlled rollout and continuous value delivery.
| Phase | Key Deliverables | Timeline | Core Features | Technical Scope |
|---|---|---|---|---|
Phase 1: Foundation & MVP | Smart Contract Suite, Core Scoring Model, Basic Dashboard | 4-6 weeks | On-chain data ingestion, Basic risk score output, Whitelist testing | Solidity contracts, Python ML pipeline, Subgraph for indexing |
Phase 2: Integration & Scaling | Production API, Multi-Chain Support, Enhanced Analytics | 3-4 weeks | Real-time scoring API, Support for 3+ EVM chains, Advanced user dashboards | Containerized microservices, Chainlink Oracles integration, GraphQL API |
Phase 3: Advanced Features | Custom Model Training, Governance Module, Audit Report | 4-5 weeks | Client-specific model fine-tuning, DAO-style parameter voting, Full security audit | Custom ML training pipeline, Snapshot/OpenZeppelin Governor, Third-party audit completion |
Phase 4: Enterprise Launch | SLA Guarantees, Compliance Suite, Full Documentation | 2-3 weeks | 99.9% uptime SLA, KYC/AML compliance checks, Developer & API docs | Dedicated infrastructure, Compliance-as-a-service module, Comprehensive technical documentation |
Ongoing: Support & Evolution | Model Retraining, Protocol Upgrades, 24/7 Monitoring | Continuous | Quarterly model updates, Protocol upgrade management, Proactive system alerts | Automated retraining pipeline, Upgrade governance support, 24/7 SRE monitoring |
how-we-deliver
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built by Web3-native engineers.
We architect and deploy custom smart contracts for DeFi, NFTs, and enterprise applications. Our engineers write in Solidity 0.8+ and Rust, leveraging battle-tested libraries like OpenZeppelin and Anchor to ensure security and gas efficiency from day one.
We deliver audited, production-ready code with a 99.9% uptime SLA for mainnet deployments.
- End-to-End Development: From technical specification and
Hardhat/Foundrytesting to deployment and verification onEVM/Solananetworks. - Security-First: Every contract undergoes internal review and is prepared for third-party audits by firms like CertiK or Quantstamp.
- Real-World Metrics: Achieve sub-second finality, reduce gas costs by up to 40% through optimization, and deploy a secure MVP in as little as 2 weeks.
tech-stack
BUILT FOR ENTERPRISE SCALE
Technology & Protocol Foundation
Our AI-powered credit scoring system is engineered on a robust, multi-chain foundation, combining battle-tested protocols with proprietary on-chain data models to deliver institutional-grade reliability and accuracy.
AI Credit Scoring
Frequently Asked Questions
Common questions about implementing a secure, compliant, and high-performance AI-powered credit scoring system for your Web3 platform.
A production-ready MVP typically deploys in 4-6 weeks. The timeline depends on data source integrations, model complexity, and regulatory requirements. We follow a phased approach: 2 weeks for data pipeline setup, 2 weeks for model training and validation, and 1-2 weeks for smart contract integration and security audit.
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