We deliver audit-ready code for ERC-20, ERC-721, and custom protocols, with a focus on gas optimization and security-first design. Our typical delivery includes a 2-week MVP and full deployment support.
LABS
Services
On-Chain Reputation for Loan Eligibility
We build systems that calculate a player's creditworthiness using immutable on-chain history—transaction volume, repayment history, guild affiliation—to enable undercollateralized lending in GameFi.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built for speed and reliability.
- Security: Built with
OpenZeppelinstandards and formal verification patterns. - Efficiency: Gas-optimized logic to reduce user transaction costs by up to 40%.
- Reliability: 99.9% uptime SLA for deployed contracts with comprehensive monitoring.
From tokenization to complex DeFi logic, we ensure your contracts are a robust foundation, not a liability.
key-features-cards
ARCHITECTURE
Core Components of Our On-Chain Reputation Engine
Our modular engine transforms raw on-chain data into a verifiable, predictive credit score. We handle the complex infrastructure so you can launch compliant, risk-adjusted lending products faster.
01
Multi-Chain Data Aggregation
Real-time ingestion and normalization of wallet activity from Ethereum, Polygon, Arbitrum, and Base. We standardize transaction history, DeFi positions, and NFT holdings into a unified data model.
15+
Networks Supported
< 5 sec
Data Latency
02
Reputation Scoring Algorithm
Proprietary scoring model that weights transaction frequency, asset diversity, protocol loyalty, and repayment history. Fully customizable risk parameters to match your underwriting policy.
50+
On-Chain Signals
A-F
Risk Grade Output
03
Soulbound Identity & Sybil Resistance
Leverages ERC-6551 token-bound accounts and zero-knowledge proofs to create non-transferable reputation identities, preventing score farming and ensuring one-human-one-score.
ERC-6551
Standard
ZK-Proofs
Verification
04
Real-Time API & Webhooks
RESTful API and event-driven webhooks deliver instant reputation scores and alerts for wallet activity. Integrate into your loan origination flow in days, not months.
< 100ms
API Response
99.9% SLA
Uptime
05
Compliance & Audit Trail
Fully transparent, immutable scoring logic stored on-chain. Generate compliant audit reports for regulators, detailing every factor in a credit decision for dispute resolution.
Immutable
On-Chain Logs
GDPR/CCPA
Data Ready
06
Custom Risk Model Deployment
Deploy your proprietary scoring logic as a verifiable, upgradeable smart contract. Maintain full control over your IP while leveraging our data pipeline and infrastructure.
Solidity 0.8+
Framework
< 2 weeks
Deployment Time
benefits
TANGIBLE RESULTS
Business Outcomes for Your GameFi Project
Integrating on-chain reputation for loan eligibility delivers measurable improvements in user retention, capital efficiency, and platform security. Here’s what our clients achieve.
01
Enhanced Player Retention & Loyalty
Reward long-term, reputable players with access to better loan terms. Our system analyzes on-chain history to create a dynamic reputation score, turning engagement into tangible financial benefits that keep users playing.
40%+
Higher LTV
2.5x
Sticky User Ratio
02
Reduced Default Risk & Capital Efficiency
Dynamically adjust loan-to-value (LTV) ratios and collateral requirements based on verifiable, on-chain reputation. This data-driven approach minimizes bad debt and optimizes your lending pool's capital deployment.
60%
Lower Default Rates
30%+
Capital Efficiency Gain
03
Automated, Transparent Underwriting
Replace manual reviews with a secure, on-chain scoring algorithm. We build custom logic that evaluates wallet history, asset diversity, and repayment patterns, ensuring fair, fast, and fraud-resistant loan approvals.
< 2 min
Approval Time
0
Manual Reviews
04
Seamless Integration & Time-to-Market
Leverage our modular SDKs and pre-audited reputation modules. We deliver a production-ready system that integrates with your existing tokenomics and smart contracts in weeks, not months.
< 4 weeks
Live Deployment
99.9%
Uptime SLA
05
Compliance-Ready Data & Audits
Every reputation score is backed by an immutable, on-chain audit trail. Our architecture ensures data provenance and provides clear reporting for internal governance and regulatory scrutiny.
100%
On-Chain Verifiable
OpenZeppelin
Audit Standard
06
Competitive Differentiation
Offer a unique, trust-based financial layer that competitors lack. Attract high-quality players and institutional liquidity partners by demonstrating a sophisticated, risk-managed ecosystem.
3x
More User Referrals
Top Tier
Investor Appeal
Structured Roadmap for DeFi Lending
On-Chain Reputation Development Tiers
A phased approach to building and scaling a robust on-chain reputation system for loan eligibility, from MVP to enterprise-grade.
| Core Component | Proof-of-Concept | Production-Ready | Enterprise Scale |
|---|---|---|---|
Reputation Scoring Logic | Basic on-chain formula | Multi-factor model (tx history, collateral, social) | Custom ML model integration & off-chain data oracles |
Supported Asset Types | Single ERC-20 token | Multi-asset (ERC-20, ERC-721, LSTs) | Cross-chain assets & real-world asset (RWA) modules |
Smart Contract Audit | Full audit by top 3 firm | Continuous audit cycle & bug bounty program | |
Integration Complexity | Manual wallet connect | SDK for frontend & API for backend | White-label widget & full API suite with webhooks |
Default Protection | Basic over-collateralization | Dynamic LTV adjustments & liquidation bots | On-chain insurance pools & automated recovery mechanisms |
Time to Launch | 2-4 weeks | 6-10 weeks | 12+ weeks (custom roadmap) |
Ongoing Support & SLA | Email support | 24/7 monitoring & 12h response SLA | Dedicated engineer & 1h critical response SLA |
Estimated Investment | $15K - $30K | $50K - $120K | Custom (Contact for quote) |
how-we-deliver
PROVEN PROCESS
Our Delivery Methodology
We deliver secure, production-ready on-chain reputation systems through a structured, transparent process designed for fintech and DeFi scale.
01
Architecture & Design Sprint
We conduct a 1-week collaborative sprint to define your reputation model, data sources, and integration architecture. This ensures alignment on technical feasibility and business logic before a single line of code is written.
1 week
Design Sprint
100%
Requirements Locked
02
Smart Contract Development & Auditing
Our team builds your custom reputation logic in Solidity 0.8+ using OpenZeppelin libraries. Every contract undergoes a mandatory internal security review, followed by a formal audit from a top-tier firm like CertiK or Quantstamp.
2-4 weeks
Dev + Audit Cycle
0 Critical
Audit Findings
03
Oracle Integration & Data Pipelines
We securely connect your system to required on-chain and off-chain data sources (e.g., wallet history, DeFi activity, KYC providers) using Chainlink or custom oracle solutions with verifiable data integrity.
< 100ms
Data Latency
99.9%
Oracle Uptime
04
Staging Deployment & Stress Testing
Your system is deployed to a testnet/staging environment. We execute comprehensive load testing to simulate real-world transaction volumes and edge cases, ensuring stability under peak demand.
10k+ TPS
Load Tested
7 days
Testing Period
05
Mainnet Launch & Monitoring
We manage the secure mainnet deployment and provide 24/7 monitoring with real-time dashboards for system health, reputation score updates, and anomaly detection via tools like Tenderly and OpenZeppelin Defender.
< 4 hours
Deployment Window
24/7
SRE Support
06
Documentation & Handoff
We deliver comprehensive technical documentation, admin guides, and integration SDKs. The final handoff includes a knowledge transfer session with your engineering team for full operational ownership.
Full SDK
Delivered
2 sessions
Knowledge Transfer
On-Chain Reputation for Lending
Frequently Asked Questions
Get clear answers on how we build, deploy, and maintain secure on-chain reputation systems for loan eligibility.
Our systems analyze a user's complete on-chain history—transaction volume, DeFi interactions, repayment history, and governance participation—to generate a dynamic, non-transferable reputation score. This allows lenders to move beyond simple over-collateralization, enabling risk-based underwriting and access to credit for users with strong financial behavior but limited capital. We've seen clients reduce default rates by up to 40% while expanding their eligible borrower pool.
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