We architect and deploy custom smart contracts for tokens, DeFi protocols, and NFTs. Our development process is built on security-first principles, utilizing Solidity 0.8+, OpenZeppelin libraries, and comprehensive audit trails to protect your assets and users.
LABS
Services
Decentralized Credit Scoring with SBTs
Engineer secure, data-driven underwriting systems that analyze on-chain history and attested credentials (SBTs) to generate a decentralized credit score for lending and financial services.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built by Web3 experts.
From a 2-week MVP to a full protocol suite, we deliver battle-tested code that is gas-optimized and upgradeable.
- Token Systems:
ERC-20,ERC-721,ERC-1155with custom minting, vesting, and governance logic. - DeFi & DAOs: Automated market makers, staking pools, multi-signature treasuries, and voting mechanisms.
- Security Guarantee: All contracts undergo internal review and are prepared for third-party audits by firms like
CertiKorQuantstamp.
key-features-cards
BUILDING BLOCKS
Core Components of Our On-Chain Credit System
A modular, enterprise-grade architecture designed for security, scalability, and seamless integration into your existing financial products.
benefits
TANGIBLE RESULTS
Business Outcomes for Lending Platforms & FinTechs
Move beyond traditional credit checks. Our SBT-based credit scoring delivers measurable improvements in risk assessment, operational efficiency, and customer acquisition for modern lending platforms.
01
Reduce Default Rates by 40-60%
Leverage on-chain transaction history, repayment patterns, and wallet behavior to build predictive risk models that outperform traditional credit scores. Identify high-quality borrowers invisible to legacy systems.
40-60%
Lower Default Risk
Real-time
Risk Updates
02
Cut KYC/Onboarding to Under 90 Seconds
Replace manual document collection with permissioned, verifiable SBTs. Borrowers prove identity and creditworthiness instantly, slashing abandonment rates and accelerating time-to-fund.
< 90 sec
Avg. Onboarding
70%
Lower Drop-off
03
Enable Collateral-Free Microloans
Unlock new revenue streams by offering small-ticket, undercollateralized loans based on SBT reputation scores. Serve the underbanked and build customer loyalty with first-access products.
$50 - $5K
Loan Ticket Size
New
Market Segment
04
Achieve 99.9% Uptime & Sub-Second Scoring
Our infrastructure is built for financial-grade reliability. Automated SBT issuance and scoring queries ensure your lending engine never slows down, backed by a service level agreement.
99.9%
Uptime SLA
< 1 sec
Score Latency
06
Deploy a Pilot in Under 4 Weeks
Go from concept to live pilot with our pre-built SBT schemas, smart contract templates, and developer SDKs. Integrate via REST API or directly into your existing loan origination system.
< 4 weeks
To Pilot
REST API
Integration
Implementation Roadmap
Phased Development for On-Chain Credit Scoring
A structured, milestone-driven approach to building a production-ready Soulbound Token (SBT) credit scoring system, from MVP to full-scale deployment.
| Phase & Deliverables | Foundation (Weeks 1-4) | Integration (Weeks 5-8) | Scale & Optimize (Weeks 9-12) |
|---|---|---|---|
Core SBT Smart Contracts | |||
On-Chain Data Oracle Integration | Basic (1 source) | Advanced (3+ sources) | Custom Multi-Source |
Off-Chain Score Computation Engine | Proof-of-Concept | Production-Ready API | High-Availability Cluster |
User Identity & Consent Layer | Basic Wallet Connect | ZK-Proof Privacy Module | Custom Compliance Rules |
Front-End Dashboard / SDK | Admin Panel MVP | Lender & Borrower Portals | White-Label Branding |
Security Audit & Penetration Testing | Automated Scan Report | Manual Code Review | Full Third-Party Audit |
Deployment & Mainnet Launch | Testnet Deployment | Single-Chain Mainnet | Multi-Chain Deployment Support |
Ongoing Support & SLA | Email Support | Priority Slack Channel | 24/7 Monitoring & 4h Response SLA |
Estimated Timeline | 4 weeks | 4 weeks | 4 weeks |
Typical Investment | $25K - $50K | $50K - $100K | Custom (Contact for Quote) |
how-we-deliver
PREDICTABLE, SECURE, SCALABLE
Our Engineering & Delivery Process
A structured, four-phase approach designed to deliver production-ready, audited SBT credit scoring systems with minimal technical risk and maximum speed to market.
01
Discovery & Architecture
We conduct a deep technical workshop to define your scoring logic, data sources, and on-chain/off-chain architecture. Deliverables include a detailed technical specification and a 2-week sprint plan.
1-2 weeks
To Final Spec
100%
Requirement Clarity
02
Smart Contract Development
Our senior Solidity engineers build your custom SBT (ERC-5169/ERC-721) contracts with integrated scoring logic, using OpenZeppelin libraries and gas-optimized patterns from day one.
Solidity 0.8+
Code Standard
OpenZeppelin
Security Foundation
03
Security & Audit Integration
Every contract undergoes rigorous internal review followed by a formal audit from a top-tier firm like CertiK or Quantstamp. We manage the entire process and implement all findings pre-launch.
Zero Critical
Audit Target
Full Remediation
Guarantee
04
Deployment & DevOps
We handle mainnet deployment, configure secure private RPC endpoints (Alchemy, Infura), set up monitoring with Chainscore's analytics, and provide comprehensive documentation for your team.
< 3 days
Production Deployment
99.9% SLA
Infrastructure Uptime
Credit Scoring with SBTs
Frequently Asked Questions
Get clear answers on implementing on-chain identity and credit solutions for your platform.
Our process follows a four-phase methodology: 1) Discovery & Data Mapping – We analyze your target users and identify relevant on-chain/off-chain data sources. 2) SBT Schema Design – We architect the SBT attributes, scoring algorithms, and privacy-preserving verification logic. 3) Smart Contract Development – We build and audit the SBT minting, updating, and scoring contracts. 4) Integration & Deployment – We integrate the solution with your dApp frontend and deploy to your chosen network. This structured approach ensures a tailored, secure, and production-ready system.
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