We architect, develop, and audit custom Solidity and Rust smart contracts that form the foundation of your Web3 product. Our focus is on security-first development, gas optimization, and future-proof architecture.
LABS
Services
zk-Based Micro-Loan Eligibility Engine
We build lightweight, gas-optimized smart contracts and ZK circuits for assessing credit risk in emerging markets. Enable small-ticket, high-frequency microloans using minimal private data.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
- Full Lifecycle Delivery: From initial spec to mainnet deployment and monitoring.
- Security Audits: Internal review using industry-standard tools (
Slither,MythX) before external audit. - Compliance-Ready: Patterns for
ERC-20,ERC-721, and custom standards with upgradeability viaTransparentorUUPSproxies. - Integration Ready: Contracts are built with clear interfaces for easy frontend and backend integration.
Deploy with confidence. We deliver battle-tested contracts that secure assets and enable complex logic, reducing time-to-market by weeks.
key-features-cards
PRODUCTION-READY INFRASTRUCTURE
Engineered for Scale and Privacy
Our zk-Based Micro-Loan Eligibility Engine is built on battle-tested infrastructure designed for high-throughput financial applications. We deliver the performance you need with the privacy guarantees your users demand.
01
Zero-Knowledge Proof Generation
On-chain verification of creditworthiness without exposing sensitive user data. We implement zk-SNARKs and zk-STARKs to prove eligibility while keeping financial history private.
< 2 sec
Proof Generation
256-bit
Security
02
High-Throughput API Gateway
REST and GraphQL APIs for seamless integration into your existing lending platform. Handles thousands of concurrent eligibility checks with sub-second latency.
10k+
TPS
< 500ms
P99 Latency
03
Multi-Chain Settlement Layer
Deployable on Ethereum, Polygon, Arbitrum, and other EVM-compatible chains. We manage cross-chain state synchronization for a unified eligibility record.
5+
Networks
Gas-Optimized
Contracts
04
Real-Time Data Oracles
Secure integration with off-chain credit data sources and DeFi protocols. Uses Chainlink and custom oracles with cryptographic attestations for data integrity.
99.9%
Uptime SLA
Multi-Source
Validation
06
Automated Compliance Engine
Built-in modules for KYC/AML checks and regulatory reporting. Configurable rule sets for different jurisdictions with privacy-preserving attestations.
GDPR/CCPA
Compliant
Automated
Reporting
benefits
DELIVERABLE RESULTS
Business Outcomes for Lending Platforms
Our zk-Based Micro-Loan Eligibility Engine delivers measurable improvements in risk management, operational efficiency, and user acquisition. Here are the concrete outcomes you can expect.
01
Reduced Default Risk
Leverage zero-knowledge proofs to verify creditworthiness from off-chain data (bank statements, income) without exposing sensitive information. Achieve a more accurate risk profile than traditional on-chain scoring alone.
40-60%
Lower Default Rates
Real-time
Risk Assessment
02
Expanded Borrower Pool
Enable underwriting for the credit-invisible and thin-file borrowers by securely incorporating verifiable off-chain financial history. Tap into a new, high-growth market segment.
5-10x
More Eligible Users
< 2 min
Onboarding Time
03
Lower Operational Costs
Automate the entire eligibility verification and underwriting process with smart contracts. Eliminate manual review overhead and reduce reliance on costly third-party data aggregators.
70-90%
Cost Reduction
Fully Automated
Underwriting Flow
04
Enhanced Regulatory Compliance
Build with privacy-by-design using zk-proofs. Process KYC/AML and financial data for eligibility without storing or exposing it on-chain, simplifying compliance with GDPR and financial regulations.
ZK-Proofs
Privacy Layer
Audit-Ready
Data Trail
05
Faster Time-to-Market
Deploy a production-ready, audited micro-loan engine in weeks, not months. We provide the complete stack: zk-circuits, verifier contracts, and borrower front-end SDK.
2-4 weeks
Deployment Time
Full Audit
Included
06
Improved Capital Efficiency
Dynamically adjust loan terms and interest rates based on real-time, verified risk scores. Allocate capital more effectively and maximize returns for liquidity providers.
20-30%
Higher APY for LPs
Dynamic Pricing
Risk-Based Rates
From MVP to Full-Scale Deployment
Phased Development Roadmap
A transparent, milestone-driven approach to delivering your zk-based micro-loan eligibility engine. Each phase builds on the last, ensuring a secure, scalable, and production-ready system.
| Phase & Deliverables | Discovery & Architecture (2-3 weeks) | Core Engine Development (4-6 weeks) | Integration & Pilot (3-4 weeks) | Scale & Optimize (Ongoing) |
|---|---|---|---|---|
Zero-Knowledge Circuit Design | Requirements & architecture spec | Custom circuit implementation & testing | Performance tuning for target chain | Advanced optimization & upgrades |
Smart Contract Suite | Technical specification & audit plan | Core logic & eligibility verifier contracts | Deployment to testnet & security audit | Mainnet deployment & monitoring setup |
Off-Chain Prover Service | Infrastructure design & tech stack | High-availability prover API development | Load testing & integration with frontend | Auto-scaling & 99.9% uptime SLA |
Data Connectors & Oracles | Source system analysis & API design | Connector development for credit/on-chain data | Pilot integration with 1-2 data sources | Multi-source aggregation & fallback logic |
Developer SDK & Documentation | API schema definition | SDK library for dApp integration | Comprehensive docs & example repos | Ongoing SDK updates & support |
Security & Compliance Review | Threat modeling & initial audit | Internal review & unit testing | Third-party audit & remediation | Continuous monitoring & bug bounty setup |
Total Estimated Investment | $15K - $25K | $40K - $60K | $20K - $30K | Custom SLA from $5K/month |
how-we-deliver
PROVEN PROCESS
Our Development Methodology
We deliver secure, production-ready zk-based systems through a rigorous, outcome-focused development lifecycle designed for financial applications.
01
Zero-Knowledge Circuit Design
We architect custom zk-SNARK/STARK circuits using Circom or Halo2 to verify creditworthiness without exposing sensitive user data. This ensures privacy-by-design and regulatory compliance for your micro-loan platform.
Circom / Halo2
Circuit Framework
Groth16 / Plonk
Proof System
02
On-Chain & Off-Chain Integration
We build the full stack: secure smart contracts for loan management (Solidity 0.8+ with OpenZeppelin) and a performant backend oracle to fetch and attest to off-chain credit data, ensuring a seamless user experience.
Solidity 0.8+
Smart Contracts
Oracle Security
Data Attestation
03
Security-First Development
Every component undergoes rigorous testing and formal verification. Our process includes unit/integration tests, circuit constraint audits, and a final review by third-party security firms before mainnet deployment.
100%
Test Coverage
External Audit
Final Step
04
Gas Optimization & Scaling
We optimize proof generation costs and contract gas usage, targeting sub-$0.10 transaction fees for end-users. Architecture is designed for horizontal scaling to handle thousands of concurrent eligibility checks.
< $0.10
Target User Cost
Horizontal
Scaling Model
zk-Micro-Loan Engine
Frequently Asked Questions
Get clear answers on our development process, security, and timelines for building a custom zk-based micro-loan eligibility engine.
We follow a structured 5-phase process: 1. Discovery & Design (1-2 weeks) to define scoring logic and data sources. 2. ZK Circuit Development (2-3 weeks) using Circom or Halo2 to build the core proof logic. 3. Smart Contract Integration (1-2 weeks) for on-chain verification and loan management. 4. Frontend & API Layer (1-2 weeks) for lender dashboards and user portals. 5. Audit & Deployment (1-2 weeks) including internal review and mainnet launch. You receive weekly demos and have a dedicated technical lead.
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