We architect and deploy production-grade smart contracts for tokens, DeFi protocols, NFTs, and DAOs. Our process ensures security-first development with comprehensive audits and formal verification.
LABS
Services
Decentralized NFT Credit Bureau Services
Build a transparent, on-chain registry for borrower credit history, defaults, and repayment performance across NFT lending protocols. Enable secure underwriting and capital efficiency.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, gas-optimized smart contracts built by Web3-native engineers.
- Token Standards: Custom
ERC-20,ERC-721,ERC-1155, andERC-4626vaults. - DeFi Primitives: Automated market makers, lending pools, staking contracts, and yield strategies.
- Security: Built with
OpenZeppelinlibraries and tested against known attack vectors. - Gas Optimization: Code reviewed for maximum efficiency, reducing user transaction costs.
Deliver a fully audited, mainnet-ready contract suite in 4-6 weeks, from specification to deployment.
key-features-cards
INFRASTRUCTURE FOR ON-CHAIN CREDIT
Core Technical Capabilities
We build the foundational smart contracts and data oracles that power decentralized credit scoring, enabling secure, transparent, and automated risk assessment for Web3 lending protocols.
01
Decentralized Credit Scoring Engine
Custom smart contracts that aggregate and analyze on-chain transaction history, wallet composition, and protocol interactions to generate a non-custodial credit score. Enables permissionless underwriting for DeFi loans.
15+
On-chain data points
< 2 sec
Score generation
02
Cross-Chain Identity & Data Oracles
Secure oracles that verify and port user financial history across EVM chains (Ethereum, Polygon, Arbitrum) and L2s. Maintains a consistent, sybil-resistant identity for accurate cross-protocol risk assessment.
5+
Supported chains
99.9%
Oracle uptime SLA
03
Privacy-Preserving Score Verification
Implementation of zero-knowledge proofs (ZK-SNARKs) and MPC protocols to allow users to prove creditworthiness without exposing sensitive transaction history. Built with industry-standard privacy frameworks.
zk-SNARKs
Privacy standard
Audited
By Halborn
04
Lending Protocol Integration SDK
Modular API and smart contract hooks for seamless integration with Aave, Compound, and custom lending pools. Handles score queries, limit management, and automated collateral adjustments.
< 1 week
Integration time
3
Major protocols
05
Immutable Audit Trail & Dispute Resolution
On-chain registry for every score calculation, providing a transparent, immutable audit trail. Includes governance smart contracts for users to dispute and correct data inaccuracies.
Fully On-Chain
Audit log
48h
Dispute resolution SLA
06
Gas-Optimized Contract Architecture
Smart contracts built with Solidity 0.8+ and OpenZeppelin libraries, optimized for minimal gas consumption during score updates and queries. Reduces operational costs for high-frequency protocols.
40%
Avg. gas reduction
OpenZeppelin
Security standard
benefits
MEASURABLE RESULTS
Business Outcomes for Lending Platforms
Our Decentralized NFT Credit Bureau delivers concrete infrastructure improvements that directly impact your platform's bottom line, risk profile, and user growth.
01
Reduce Default Risk by 40-60%
Integrate on-chain reputation and historical NFT transaction data to assess borrower creditworthiness, moving beyond simple over-collateralization models.
40-60%
Risk Reduction
Real-time
Risk Scoring
02
Increase Loan Volume & TVL
Enable under-collateralized and credit-based lending products to attract a broader user base and significantly increase total value locked (TVL).
3-5x
Potential User Base
>70% LTV
Higher Loan-to-Value
03
Automated, Transparent Underwriting
Replace manual review with smart contract-powered decision engines that pull verifiable, tamper-proof data from our on-chain credit graph.
< 2 sec
Decision Time
Zero Manual
Review Overhead
04
Compliance-Ready Data Infrastructure
Built with privacy-preserving zero-knowledge proofs (ZKPs) and granular user consent, ensuring alignment with emerging global digital asset regulations.
ZK-Proofs
Data Privacy
Granular
User Consent
05
Seamless Multi-Chain Integration
Plug-and-play API and smart contract modules for Ethereum, Polygon, Arbitrum, and other EVM chains. Deploy new lending markets in weeks, not months.
< 4 weeks
Time to Market
EVM+
Chain Support
06
Actionable Borrower Insights
Access a unified dashboard with borrower repayment history, NFT portfolio health, and cross-protocol activity to inform product and risk strategy.
360° View
Borrower Profile
Historical
Repayment Data
Structured for Growth
Implementation Tiers & Deliverables
Choose the right service level for your NFT credit bureau, from initial launch to enterprise-grade operations.
| Feature / Deliverable | Starter | Professional | Enterprise |
|---|---|---|---|
On-Chain Credit Score Protocol | |||
Custom Risk Assessment Logic | Basic | Advanced | Fully Custom |
Multi-Chain Deployment | 1 Network | Up to 3 Networks | Unlimited |
Smart Contract Audit & Verification | Basic Review | Full Audit + Report | Full Audit + Formal Verification |
Integration Support | Documentation | Technical Guidance | Dedicated Engineer |
Oracles & Data Feeds | Standard (Chainlink) | Standard + Custom | Multi-Source w/ Fallback |
API & SDK for Lenders | Read-Only API | Full API + Basic SDK | Full API + White-Label SDK |
Uptime & Performance SLA | 99.5% | 99.9% | |
Incident Response Time | Best Effort | < 12 Hours | < 1 Hour |
Ongoing Protocol Upgrades | Manual | Scheduled | Managed w/ Governance |
Estimated Timeline | 4-6 Weeks | 8-12 Weeks | 12+ Weeks |
Starting Price | $25,000 | $75,000 | Custom Quote |
how-we-deliver
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
We deliver audit-ready code from day one, leveraging OpenZeppelin standards and battle-tested patterns for ERC-20, ERC-721, and custom logic. Our process ensures gas optimization and security-first architecture.
From initial concept to mainnet deployment, we provide a complete development lifecycle with clear deliverables at each stage.
- Comprehensive Audit Support: Code is structured for seamless review by top firms like ConsenSys Diligence or Trail of Bits.
- Modular & Upgradeable: Built with proxy patterns (UUPS/Transparent) for future-proofing and seamless upgrades.
- Real-World Tested: Includes extensive simulation with forked mainnet environments and fuzz testing.
tech-stack
BUILT FOR SCALE & SECURITY
Technology & Protocol Stack
Our decentralized credit bureau is engineered on a robust, multi-layered stack designed for institutional-grade reliability, data integrity, and seamless integration. We leverage battle-tested protocols and custom infrastructure to deliver a production-ready system.
Decentralized NFT Credit Bureau
Frequently Asked Questions
Get clear answers on how our NFT-based credit infrastructure can accelerate your lending protocol's development and compliance.
A Decentralized NFT Credit Bureau is an on-chain infrastructure that transforms non-fungible assets into verifiable, portable credit profiles. We build systems that mint soulbound NFTs (SBTs) representing a user's creditworthiness, aggregating data from on-chain transaction history, repayment records from lending protocols, and optional off-chain attestations. These SBTs are privacy-preserving, allowing users to prove their credit score or specific financial attributes to lenders without exposing their entire wallet history, enabling underwriting for uncollateralized or undercollateralized loans.
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