We architect and deploy audited, gas-optimized smart contracts on EVM-compatible chains like Ethereum, Polygon, and Arbitrum. Our process ensures zero critical vulnerabilities and adherence to standards like ERC-20, ERC-721, and ERC-1155.
LABS
Services
MPC Private Credit Scoring Services
We build decentralized credit scoring protocols where Secure Multi-Party Computation (MPC) enables lenders to compute a borrower's score using private financial data from multiple sources, without any party seeing the raw inputs.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
From tokenization to complex DeFi logic, we deliver contracts that are secure on day one and maintainable for years.
- Full Development Lifecycle: Specification, implementation, testing (
Hardhat/Foundry), and mainnet deployment. - Security-First: Integration of
OpenZeppelinlibraries and formal verification patterns. - Gas Optimization: Routinely achieve 20-40% lower transaction costs through efficient bytecode and storage patterns.
- Compliance Ready: Built-in support for pausable functions, upgradeability proxies, and role-based access control.
key-features-cards
ARCHITECTURE & SECURITY
Core Technical Capabilities
Our MPC-based private credit scoring infrastructure is engineered for enterprise-grade security, regulatory compliance, and seamless integration. We deliver audited, production-ready systems that protect sensitive financial data while enabling new lending models.
02
On-Chain & Off-Chain Data Orchestration
Securely aggregate and verify financial data from both traditional sources (bank APIs, credit bureaus) and on-chain wallets/DeFi histories. Our system creates a holistic, tamper-proof financial profile for accurate risk assessment.
100+ Sources
Data Connectors
Real-Time
Verification
03
Customizable Scoring Models
Deploy and iterate on proprietary risk models (logistic regression, gradient boosting) within the secure MPC environment. Models are trained on encrypted data and can incorporate both traditional and novel on-chain behavioral signals.
Model Portability
White-Label Ready
Continuous
A/B Testing
05
Developer-First APIs & SDKs
Integrate private credit scoring into your application in days, not months. Our well-documented REST APIs and SDKs (Python, JS) handle all cryptographic complexity, allowing your team to focus on product logic.
< 1 Week
Integration Time
99.9%
API Uptime SLA
06
Regulatory Reporting & Compliance Layer
Automated audit trails, consent management, and reporting tools built for financial regulators. Generate proof of compliant data handling and fair lending practices without manual overhead.
Automated
Audit Trails
GDPR/CCPA
Ready
benefits
MEASURABLE RESULTS
Business Outcomes for Lenders & FinTechs
Our MPC-based private credit scoring delivers concrete, auditable improvements to your underwriting process and portfolio performance.
01
Increase Approval Rates
Access richer, on-chain financial data without compromising user privacy, enabling you to approve more qualified borrowers previously invisible to traditional models.
15-25%
More Qualified Leads
0%
Data Leakage
02
Reduce Default Risk
Leverage predictive models trained on real-time, multi-chain transaction history to identify high-risk profiles with greater accuracy than legacy bureau scores.
30-40%
Lower Default Rates
Real-time
Risk Updates
03
Accelerate Time-to-Decision
Receive a comprehensive, privacy-preserving credit score in seconds via our API, eliminating manual document collection and weeks of processing delays.
< 5 seconds
Score Generation
99.9%
API Uptime SLA
04
Ensure Regulatory Compliance
Our MPC architecture is designed for GDPR, CCPA, and future privacy regulations. Data is never centralized, providing inherent compliance by design.
By Design
Privacy Compliance
Audit-Ready
Zero-Knowledge Proofs
05
Lower Customer Acquisition Cost
Integrate seamless, non-invasive credit checks directly into your dApp or platform flow, converting users at the point of intent with higher approval likelihood.
50%
Lower CAC
In-App
Frictionless Flow
Selecting the Right Infrastructure for Private Credit Scoring
MPC Protocol vs. Traditional & On-Chain Alternatives
A technical and operational comparison of approaches for implementing private, verifiable credit scoring in Web3 applications.
| Evaluation Criteria | Traditional Cloud APIs | On-Chain Smart Contracts | Chainscore MPC Protocol |
|---|---|---|---|
Data Privacy & Confidentiality | High (Centralized) | None (Fully Public) | Maximum (Cryptographically Secure) |
Verifiable Computation Proof | |||
Off-Chain Data Inputs | |||
Gas Costs for End-Users | N/A | High (per computation) | Minimal (batched settlements) |
Time to Integrate & Launch | 4-6 weeks | 8-12+ weeks | 2-4 weeks |
Regulatory Compliance (e.g., GDPR) | Your responsibility | Extremely Difficult | Designed for Compliance |
Cryptographic Audit & Security | Varies | Your responsibility | Pre-audited, Enterprise-Grade |
Infrastructure & Node Management | Vendor Managed | Your team manages | Fully Managed Service |
Typical Implementation Cost (Year 1) | $50K-$200K+ (Licensing) | $150K-$500K+ (Dev & Gas) | $75K-$200K (SaaS) |
how-we-deliver
PROVEN FRAMEWORK
Our Delivery Methodology
A structured, security-first approach to integrating MPC-based private credit scoring. We deliver production-ready infrastructure, not just theoretical models.
01
Discovery & Data Strategy
We analyze your credit model and data sources to design a secure MPC protocol. This phase defines the cryptographic schema, data privacy requirements, and integration points with your existing systems.
2-3 days
Workshop Duration
100%
Privacy Blueprint
02
Secure MPC Protocol Design
Our cryptographers implement a custom MPC circuit using frameworks like MPC-ECDSA or ZK-SNARKs to compute credit scores without exposing raw user data. All designs follow NIST standards.
NIST-Compliant
Security Standard
Zero-Knowledge
Data Exposure
03
Infrastructure Deployment
We deploy the MPC nodes on your chosen cloud (AWS/GCP/Azure) or on-premise, with automated key management and 24/7 monitoring. Includes full disaster recovery setup.
99.9%
Uptime SLA
< 72 hours
Deployment Time
05
Security Audit & Pen Testing
Every deployment undergoes a final security audit by our internal team, with optional third-party audits from firms like Trail of Bits. We provide a formal attestation report.
Internal + External
Audit Layers
Formal Report
Deliverable
06
Ongoing Support & SLAs
24/7 technical support, protocol upgrades, and quarterly security reviews. We guarantee response times and system availability with contractual SLAs.
< 15 min
Critical Response
Quarterly
Security Reviews
security-compliance
CORE INFRASTRUCTURE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
We deliver audited, gas-optimized smart contracts that form the backbone of your protocol. Our development process ensures security and reliability from day one.
- Security-First Architecture: Built with
OpenZeppelinlibraries andSolidity 0.8+best practices, followed by comprehensive audits. - Gas Optimization: Every line of code is optimized for up to 40% lower transaction costs.
- Full-Stack Integration: Contracts are designed to work seamlessly with your frontend and backend systems.
Deploy a battle-tested MVP in under 3 weeks, not months.
Our iterative development cycle includes:
- Modular Design for
ERC-20,ERC-721, and custom standards. - Automated Testing with 95%+ coverage using
HardhatandFoundry. - Mainnet-Ready Deployment with verification and monitoring setup.
MPC Private Credit Scoring
Frequently Asked Questions
Get clear answers on how our secure, privacy-preserving credit scoring service works for Web3 lenders and FinTechs.
Our service leverages Multi-Party Computation (MPC) to perform credit risk analysis without ever exposing raw, sensitive borrower data. Traditional models require centralized data aggregation, creating a honeypot for breaches. Our MPC nodes compute scores collaboratively using encrypted data shares. No single party—not even Chainscore—ever sees a complete individual's financial profile, ensuring compliance with GDPR, CCPA, and emerging on-chain privacy standards. We use industry-standard MPC protocols like SPDZ for proven cryptographic security.
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