We architect and deploy custom smart contracts that form the backbone of your Web3 application. Our focus is on security-first development, gas optimization, and future-proof architecture.
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Decentralized Credit Scoring
A white-label protocol for generating underwriting scores based on on-chain transaction history, DeFi activity, and reputation. Enables NeoBanks to launch decentralized lending products in weeks, not years.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
From token standards to complex DeFi logic, we deliver contracts you can trust for mainnet deployment.
- Security Audits: Every contract undergoes rigorous review using tools like Slither and MythX, following OpenZeppelin best practices.
- Protocol Expertise:
ERC-20,ERC-721,ERC-1155,ERC-4626, custom staking, governance, and cross-chain bridges. - Full Lifecycle: Development, testing (
Hardhat/Foundry), deployment, and verification on Ethereum, Polygon, Arbitrum, and other EVM chains. - Compliance Ready: Built-in patterns for pausable functions, upgradeability via proxies, and access control to meet regulatory requirements.
key-features-cards
ENGINEERED FOR TRUST AND SCALE
Core Protocol Features We Deliver
Our decentralized credit scoring protocol is built on a foundation of verifiable on-chain data, cryptographic privacy, and enterprise-grade reliability. We deliver the core infrastructure so you can launch and scale your lending, identity, or underwriting product with confidence.
01
On-Chain Data Aggregation Engine
Automated ingestion and normalization of wallet transaction history, DeFi positions, and NFT holdings across 15+ EVM-compatible chains. We handle the data complexity, you get clean, structured inputs for your scoring models.
15+
Supported Chains
< 5 min
Data Freshness
02
Privacy-Preserving Score Computation
Generate credit scores using Zero-Knowledge Proofs (ZKPs) or Fully Homomorphic Encryption (FHE). Users prove their creditworthiness without exposing sensitive transaction history, ensuring compliance with emerging data regulations.
ZK & FHE
Privacy Frameworks
Gas-Optimized
On-Chain Verification
03
Customizable Scoring Model SDK
Flexible API and SDK to define your own scoring algorithms. Weight transaction volume, asset diversity, protocol loyalty, and repayment history. Deploy new model logic in days, not months.
Modular
Parameter Design
< 1 week
Model Integration
04
Immutable Audit Trail & Dispute Resolution
Every score calculation and the data points behind it are verifiably anchored on-chain. Provides a transparent, tamper-proof record for users to audit their score and initiate disputes with cryptographic proof.
Immutable
On-Chain Logs
Transparent
Dispute Process
05
Cross-Protocol Reputation Portability
Scores are represented as non-transferable Soulbound Tokens (SBTs) or verifiable credentials. Users can port their established credit reputation seamlessly across your partnered dApps and platforms.
SBT/VC
Portable Format
Composable
dApp Integration
06
Enterprise-Grade Security & Audits
Core smart contracts and cryptographic circuits are developed with formal verification in mind and audited by leading security firms. Includes bug bounty programs and comprehensive monitoring for protocol integrity.
Formal Verification
Development Standard
Third-Party Audited
Security Posture
benefits
DELIVERING TANGIBLE VALUE
Business Outcomes for Your NeoBank
Integrating decentralized credit scoring moves beyond technical implementation. Here are the concrete business results you can expect for your NeoBank.
01
Expand Your Addressable Market
Onboard the 1.7B+ global underbanked population by assessing creditworthiness based on on-chain transaction history, not just traditional bureau data.
1.7B+
New Market
0
Bureau Dependency
02
Reduce Default Risk by 40-60%
Our models analyze immutable on-chain behavior—wallet age, DeFi interaction frequency, NFT holding patterns—providing a more predictive and fraud-resistant risk profile than traditional methods.
40-60%
Lower Defaults
Real-time
Risk Updates
03
Cut KYC & Underwriting Costs
Automate initial credit assessments using verifiable on-chain data, reducing manual review overhead and accelerating loan approval from days to minutes.
70%
Cost Reduction
Minutes
Approval Time
04
Launch New Credit Products in < 4 Weeks
Leverage our pre-audited, modular smart contract suite and API to deploy secured loans, flash loans, or credit lines tailored to crypto-native customers.
< 4 weeks
Time-to-Market
Modular
Contract Suite
05
Achieve Regulatory Compliance by Design
Our architecture supports privacy-preserving proofs (zk-SNARKs) and audit trails, enabling compliance with evolving global frameworks like MiCA and Travel Rule without compromising user sovereignty.
Privacy-First
Architecture
MiCA-Ready
Framework
06
Gain a Sustainable Competitive Edge
Differentiate with transparent, user-owned credit scores. Customers can port their reputation across platforms, increasing loyalty and creating a defensible moat for your NeoBank.
User-Owned
Credit Data
Portable
Reputation
Choose the Right Path for Your Project
Implementation Tiers for Decentralized Credit Scoring
A comparison of our structured service packages, designed to match your project's stage, from initial launch to enterprise-grade deployment.
| Feature / Capability | Proof of Concept | Production Launch | Enterprise Scale |
|---|---|---|---|
Custom Scoring Model Development | |||
On-Chain & Off-Chain Data Connectors | Basic (2 sources) | Advanced (5+ sources) | Custom (Unlimited) |
Smart Contract Suite (Audited) | Core Logic | Full System | Full System + Custom Extensions |
Gas Optimization & Cost Analysis | |||
Integration Support (Wallets, DeFi) | Documentation Only | Technical Implementation | Dedicated Engineer |
Uptime & Performance SLA | 99.5% | 99.9% | |
Incident Response Time | Best Effort | < 12 hours | < 1 hour |
Compliance & Regulatory Review | Basic Framework | Full Advisory & Reporting | |
Ongoing Model Tuning & Updates | Quarterly | Continuous (SLA) | |
Estimated Timeline | 4-6 weeks | 8-12 weeks | Custom |
Starting Price | $25,000 | $75,000 | Contact for Quote |
how-we-deliver
FULL-STACK INFRASTRUCTURE
Custom Blockchain Development
End-to-end blockchain solutions from protocol design to mainnet deployment.
We architect and build production-grade blockchain systems tailored to your specific use case. Our full-cycle development delivers a secure, scalable foundation for your Web3 product.
- Custom Layer 1 & 2 Development: Build sovereign chains or app-specific rollups using
Substrate,Cosmos SDK, orOP Stack. - Smart Contract Suites: Comprehensive
Solidity/Rustdevelopment for DeFi, NFTs, and DAOs with OpenZeppelin security patterns. - Node Infrastructure: Managed validator nodes, RPC endpoints, and indexers with 99.9% uptime SLAs.
- Cross-Chain Bridges & Oracles: Secure interoperability and real-world data feeds for connected applications.
We move from concept to mainnet in 8-12 weeks, handling everything from consensus mechanisms to gas optimization.
Our process includes formal verification, third-party audits, and comprehensive testing to ensure enterprise-grade security and performance from day one.
tech-stack
BUILT FOR ENTERPRISE
Technology & Protocol Foundation
Our decentralized credit scoring infrastructure is engineered on battle-tested protocols with institutional-grade security and performance. We deliver the robust foundation your product needs to scale.
06
Compliance & Audit Framework
Full audit trails and regulatory reporting modules. Our architecture is designed for SOC 2 compliance, with immutable logs for all score calculations.
Decentralized Credit Scoring
Frequently Asked Questions
Get clear answers on how we build secure, compliant, and high-performance credit scoring protocols for FinTechs and Web3 lenders.
A complete, production-ready decentralized credit scoring system typically takes 8-12 weeks from kickoff to mainnet deployment. This includes 2-3 weeks for architecture design and modeling, 4-5 weeks for core smart contract development and unit testing, and 2-3 weeks for security audits, integration, and final deployment. We deliver in sprints with weekly demos to ensure alignment.
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