We architect and deploy custom smart contracts that are secure by design. Every contract undergoes formal verification and peer review before deployment to mainnet, ensuring your core business logic is protected against exploits.
LABS
Services
Hedera Consensus Service for Loan Settlement
Chainscore builds immutable, high-speed loan settlement ledgers using Hedera Consensus Service (HCS). We deliver enterprise-grade finality, automated compliance, and a single source of truth for P2P lending agreements and repayments.
Chainscore © 2026
overview
CORE SERVICE
Custom Smart Contract Development
Secure, production-ready smart contracts built for your specific business logic.
- Tailored Logic: Build on
ERC-20,ERC-721,ERC-1155, or custom standards. - Full Audit Trail: Comprehensive security audits with zero critical vulnerabilities guaranteed.
- Gas Optimization: Contracts engineered for up to 40% lower gas costs.
- Production Ready: Includes deployment scripts, upgradeability patterns, and monitoring hooks.
From automated market makers to complex multi-signature vaults, we translate your requirements into immutable, efficient code. Our contracts are built for the long term with modular architecture and clear documentation for your team.
key-features-cards
HEDERA CONSENSUS SERVICE INTEGRATION
Core Technical Capabilities We Deliver
We architect and deploy production-ready loan settlement systems on Hedera, delivering finality, auditability, and cost-efficiency that traditional ledgers can't match.
03
Regulatory-Grade Audit Trail
We leverage HCS's native immutable timestamping to generate a cryptographically verifiable audit trail for every transaction, simplifying compliance (KYC/AML) and dispute resolution.
Immutable
Record
SEC-Grade
Auditability
04
Multi-Party Data Synchronization
We build HCS mirror nodes and listeners to keep borrower, lender, servicer, and custodian systems in perfect sync, eliminating reconciliation delays and data silos.
Real-time
Sync
99.9% SLA
Uptime
06
Enterprise System Integration
We provide robust APIs, webhook systems, and SDK wrappers to seamlessly connect your existing loan origination and core banking platforms to the Hedera network.
REST/WebSocket
APIs
< 4 weeks
Integration
benefits
DELIVERABLES
Business Outcomes for Your Lending Platform
We architect and deploy Hedera Consensus Service (HCS) infrastructure that delivers measurable improvements to your lending operations. Here are the concrete outcomes you can expect.
01
Sub-Second Loan Settlement
Replace minutes or hours of settlement latency with finality in under 5 seconds using HCS's asynchronous Byzantine Fault Tolerance. This enables real-time loan issuance and collateral management.
< 5 sec
Finality
0.0001 $
Avg. HCS Tx Cost
02
Immutable Audit Trail
Every loan application, KYC check, approval, and repayment is timestamped and immutably logged to the HCS public ledger, creating a cryptographically verifiable audit trail for regulators and auditors.
100%
Data Integrity
SEC-Grade
Compliance Ready
03
Reduced Operational Cost
Eliminate intermediary reconciliation and manual ledger maintenance. HCS's predictable, low transaction fees (fractions of a cent) drastically lower the cost per settled loan versus traditional systems.
90%
Lower Settlement Cost
Automated
Reconciliation
04
Enhanced Borrower Trust
Provide borrowers with transparent, real-time proof of their loan status and payment history via verifiable HCS messages, increasing platform credibility and user satisfaction.
Real-Time
Status Proof
On-Chain
Payment History
05
Scalable Infrastructure
Our HCS node architecture is designed for high throughput, supporting thousands of concurrent loan transactions to scale with your platform's growth without performance degradation.
10k+ TPS
Platform Capacity
99.9%
Uptime SLA
06
Faster Time-to-Market
Leverage our pre-built HCS integration frameworks and smart contract libraries for lending logic. We deliver a production-ready settlement layer in weeks, not months.
< 4 weeks
To Production
Pre-Audited
Core Components
Structured Roadmap for Hedera Loan Settlement
Phased Implementation & Deliverables
A clear, milestone-driven delivery plan for integrating Hedera Consensus Service into your loan settlement operations, ensuring predictable outcomes and transparent progress.
| Phase & Deliverable | Starter (POC) | Professional (MVP) | Enterprise (Production) |
|---|---|---|---|
Hedera Network Integration & Setup | |||
Custom Consensus Topic Architecture | Basic | Optimized | Multi-Topic w/Sharding |
Immutable Loan Event Logging | âś“ Core Events | âś“ All Events + Metadata | âś“ Full Audit Trail w/Query API |
Settlement Finality & Proof | < 5 sec Proof | < 3 sec Proof | < 2 sec Proof w/Dashboard |
Smart Contract (HTS/SC) Orchestration | Basic HTS Wrapper | Custom Settlement Logic | Multi-Asset, Cross-Chain Bridge |
Integration Support (APIs/SDKs) | Documentation | Client SDK + Examples | Dedicated Engineering Support |
Security Audit & Pen Testing | Internal Review | Third-Party Audit Report | Continuous Monitoring & Bug Bounty Setup |
Performance & Load Testing | Up to 100 TPS | Up to 1,000 TPS | 10,000+ TPS & Stress Testing |
Go-Live & Production Deployment | Assisted | Managed Deployment | Full SRE Handoff & 24/7 Monitoring SLA |
Ongoing Support & Maintenance | Community Support | Business Hours Support | Dedicated SLO & 99.9% Uptime SLA |
Estimated Timeline | 4-6 Weeks | 8-12 Weeks | 12-16 Weeks |
Engagement Model | Fixed Scope | Time & Materials | Custom Enterprise Agreement |
how-we-deliver
FULL-STACK BUILD
Custom Blockchain Development
End-to-end development of bespoke blockchain networks and applications, from core protocol to user interface.
We architect and build custom EVM-compatible chains, Cosmos SDK app-chains, and Substrate-based networks tailored to your specific throughput, governance, and economic model requirements. Our full-stack delivery includes:
- Core protocol development with custom consensus (
PoS,PoA) and fee mechanisms. - Smart contract suite for native tokenomics, staking, and governance.
- RPC nodes, indexers, and explorers for complete network operability.
- Production-ready wallets and dashboards for end-user interaction.
Move from concept to a live, fully functional testnet in 6-8 weeks, backed by our battle-tested development framework.
Our approach prioritizes security-first development, incorporating formal verification for critical logic and comprehensive audit readiness. We ensure your chain is built for real-world adoption, not just technical feasibility.
tech-stack
ENTERPRISE-GRADE FOUNDATION
Technology & Protocol Stack
Our Hedera Consensus Service loan settlement solutions are built on a battle-tested, enterprise-focused technology stack designed for security, compliance, and predictable performance.
02
Smart Contract Integration Layer
Deploy and manage Hedera Smart Contract Service (HSCS) escrow and logic contracts. We use Solidity with Hedera-specific optimizations and OpenZeppelin libraries for secure, upgradeable patterns.
03
Enterprise Node Infrastructure
Deploy on dedicated, geographically distributed Hedera network nodes. We ensure 99.9% uptime SLAs, DDoS protection, and enterprise-grade monitoring for mission-critical settlement flows.
04
Regulatory & Compliance Tooling
Integrate with Atma.io for real-world asset tokenization or ProvenDB for verifiable document anchoring. Our stack includes built-in AML/KYC hooks and transaction privacy controls using HCS topics.
05
Real-Time Data Feeds (Oracle)
Connect to Chainlink Hedera or other oracle networks for secure, reliable price feeds (e.g., FX rates, asset valuations) to trigger automated settlement conditions and margin calls.
06
Developer Experience & APIs
We provide a comprehensive SDK and REST/GraphQL APIs abstracting HCS complexity. Includes webhook systems for settlement status, dashboards, and integration with existing core banking systems.
Hedera Consensus Service for Loan Settlement
Frequently Asked Questions
Get clear answers on how we deliver immutable, high-throughput loan settlement systems on Hedera.
A complete, production-ready loan settlement system typically deploys in 4-8 weeks. This includes 1-2 weeks for architecture design and smart contract specification, 2-4 weeks for core development and integration with your existing systems, and 1-2 weeks for testing, security review, and deployment. For proof-of-concepts, we can deliver a functional demo in under 2 weeks.
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