We architect and deploy battle-tested smart contracts that form the core of your Web3 application. Every contract undergoes a rigorous security-first development lifecycle, from design to deployment.
LABS
Services
Privacy-Preserving ZK-Proof Loan Underwriting
We design and implement zero-knowledge proof circuits for P2P lending platforms, enabling borrowers to prove creditworthiness without revealing sensitive financial data, ensuring compliance and trust.
Chainscore © 2026
overview
SECURE & AUDITED
Smart Contract Development
Production-ready smart contracts built for security, scalability, and compliance.
- Token Standards: Custom
ERC-20,ERC-721,ERC-1155, andERC-4626implementations. - DeFi Protocols: Automated Market Makers (AMMs), staking pools, yield aggregators, and lending/borrowing logic.
- Enterprise Logic: Multi-signature wallets, vesting schedules, DAO governance modules, and access control systems.
Our multi-layered audit process includes automated analysis, manual review, and formal verification to mitigate risks before mainnet launch.
Deliverables include fully documented Solidity/Vyper code, comprehensive test suites, and deployment scripts, ensuring you can launch with confidence in 2-4 weeks.
key-features-cards
MODULAR ARCHITECTURE
Core Components We Deliver
We build and integrate the essential, audited components for a production-ready, privacy-preserving underwriting system. Each module is designed for security, scalability, and seamless interoperability.
06
Lender Dashboard & Risk Engine
Administrative interface for lenders to configure risk parameters, monitor loan pools, and view aggregate, privacy-preserving analytics on portfolio performance.
Real-time
Analytics
Role-Based
Access Control
benefits
DELIVERABLES
Business Outcomes for Your Lending Platform
Our privacy-preserving ZK-proof underwriting delivers concrete, measurable advantages for your lending business, from compliance to capital efficiency.
01
Regulatory-Compliant Risk Assessment
Access borrower creditworthiness without exposing sensitive personal data. Our ZK circuits verify income, assets, and liabilities against off-chain sources while preserving user privacy, ensuring compliance with GDPR, CCPA, and emerging DeFi regulations.
100%
Data Privacy
0 PII
On-Chain Exposure
02
Reduced Default Rates & Capital Efficiency
Make data-driven underwriting decisions with verified financial proofs, leading to more accurate risk pricing. This reduces portfolio default rates and allows for optimized capital allocation, improving your platform's overall financial health.
40-60%
Risk Assessment Accuracy
Higher
Capital Efficiency
03
Faster, Automated Loan Origination
Eliminate manual underwriting bottlenecks. Our system automates proof verification and smart contract execution, enabling instant loan approval and fund disbursement for qualified borrowers, dramatically improving user experience.
< 60 sec
Approval Time
24/7
Automation
04
Auditable & Transparent Compliance
Generate an immutable, verifiable audit trail of all underwriting logic and proof verifications without leaking private data. This provides regulators and auditors with necessary transparency while protecting user confidentiality.
Fully
Immutable Log
Zero-Knowledge
Verification
05
Competitive Market Differentiation
Attract privacy-conscious borrowers and institutional capital by offering a lending product that is both transparent and confidential. Position your platform as a leader in compliant, next-generation DeFi infrastructure.
New
Market Segment
Institutional
Capital Appeal
06
Future-Proof Protocol Architecture
Built with modular ZK circuits and upgradeable smart contracts, our system adapts to new data sources, regulatory requirements, and consensus mechanisms. Protect your tech investment against rapid industry evolution.
Modular
Circuit Design
Upgradeable
Smart Contracts
A Technical and Operational Comparison
ZK Underwriting vs. Traditional Methods
This table contrasts the core attributes of privacy-preserving ZK-proof underwriting with conventional financial approaches, highlighting the technical and business advantages for FinTechs and Web3 lenders.
| Evaluation Factor | Traditional Credit Underwriting | Chainscore ZK Underwriting |
|---|---|---|
Data Privacy & User Consent | Low (requires raw PII/KYC data) | High (proofs only, zero-knowledge of raw data) |
Regulatory Compliance Overhead | High (GDPR, CCPA, manual audits) | Streamlined (auditable proofs, data minimization) |
Time to First Decision | Days to weeks (manual verification) | < 2 seconds (automated proof verification) |
Operational Cost per Application | $50 - $150 (manual review) | < $1 (automated, scalable verification) |
Fraud & Sybil Attack Resistance | Moderate (document forgery, synthetic IDs) | High (cryptographic proof of unique identity/assets) |
Cross-Border & DeFi Compatibility | Low (jurisdictional barriers, centralized rails) | Native (permissionless, on-chain verification) |
Developer Integration Complexity | High (legacy APIs, bespoke connectors) | Low (standardized SDK, 2-week deployment) |
Audit Trail & Transparency | Opaque (internal scoring models) | Transparent (verifiable public proof, private inputs) |
how-we-deliver
PROVEN METHODOLOGY
Our Development & Integration Process
A structured, four-phase approach designed for financial institutions to integrate privacy-preserving underwriting with minimal disruption and maximum security.
01
Phase 1: Architecture & Proof Design
We design the zero-knowledge proof circuit tailored to your underwriting logic (e.g., income verification, credit scoring). This includes selecting the optimal ZK framework (Circom, Halo2) and defining the private/public data schema.
2-3 weeks
Typical Duration
1
Lead Architect Assigned
02
Phase 2: Secure Circuit Development & Auditing
Our team implements the ZK circuits and the associated smart contracts for on-chain verification. Every component undergoes internal review and is prepared for a formal security audit by partners like Spearbit or Zellic.
100%
Audit-Ready Code
OpenZeppelin
Security Standards
03
Phase 3: Integration & API Deployment
We deploy the prover backend as a scalable microservice and provide a clean REST/GraphQL API. This phase includes integrating with your existing data pipelines and front-end applications for a seamless user experience.
< 1 sec
Proof Generation
99.9% SLA
API Uptime
04
Phase 4: Production Monitoring & Support
Post-launch, we provide monitoring dashboards for proof success rates, gas costs, and system health. Includes ongoing support and optimization updates based on real-world usage patterns.
24/7
Incident Monitoring
Quarterly
Performance Reviews
security-compliance
CORE SERVICE
Smart Contract Development
Secure, audited smart contracts built for production from day one.
We architect and deploy custom smart contracts on EVM and Solana that power your core business logic. Our process ensures security-first development with formal verification and third-party audits before mainnet deployment.
- Production-Ready Code: Built with
Solidity 0.8+andRust, leveraging battle-tested libraries likeOpenZeppelin. - End-to-End Ownership: We deliver fully documented source code, deployment scripts, and a comprehensive test suite.
- Gas Optimization: Contracts are engineered for minimum transaction costs and maximum efficiency on-chain.
ZK-Proof Underwriting
Frequently Asked Questions
Get clear answers on how we build, deploy, and support private credit infrastructure for FinTechs and crypto lenders.
Our engagement follows a structured 4-phase process: 1) Discovery & Design (1 week) to define risk models and data inputs. 2) Circuit Development (2-3 weeks) where we build and test the zero-knowledge logic using Circom or Halo2. 3) Integration & Audit (2 weeks) to connect your front-end and undergo a formal security review. 4) Deployment & Support (1 week) for mainnet launch and knowledge transfer. We've delivered 12+ private credit systems using this methodology.
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