zk-SNARK Circuit Design for Underwriting

We design bespoke zk-SNARK circuits tailored to your underwriting logic (e.g., credit scoring, collateral valuation). Our approach ensures optimal proving time and minimal on-chain verification gas costs.

Deliverables: Circuit source code (Circom/Noir), constraint system analysis, and performance benchmarks.

We manage the secure generation of Structured Reference Strings (SRS) and toxic waste disposal for your circuit's trusted setup. This includes MPC ceremony design, participant coordination, and final parameter verification to ensure long-term security.

Deliverables: Ceremony audit trail, verified public parameters, and security attestation.

We implement and benchmark the most efficient proving systems (Groth16, Plonk, Halo2) for your specific circuit constraints. Our optimizations target faster prover times and smaller proof sizes, critical for user experience and on-chain efficiency.

Deliverables: Integrated prover/verifier, performance profiling report, and gas cost analysis.

We deploy highly gas-optimized Solidity/Yul verifier contracts that are compatible with your chosen blockchain (EVM, L2s). Our verifiers are rigorously tested and audited to ensure secure, cost-effective proof validation.

Deliverables: Deployed verifier contract, integration SDK, and comprehensive audit report.

We design mechanisms to feed off-chain financial data (e.g., credit reports, transaction history) into circuits without exposing the raw data. This enables private computation of underwriting scores directly on-chain.

Deliverables: Oracle adapter design, attestation bridge, and data schema specifications.

Every circuit and verifier undergoes rigorous internal review and external audit by specialized firms. We provide formal verification reports and continuous monitoring recommendations to mitigate cryptographic and implementation risks.

Deliverables: Third-party audit report (e.g., Trail of Bits), formal spec, and monitoring dashboard.

We design circuits that enable private computation of credit scores and risk models. Sensitive user data never leaves their device, while the protocol receives only a cryptographically verified proof of the result, ensuring compliance with data privacy regulations like GDPR.

By moving intensive underwriting calculations off-chain and submitting only a tiny proof, we slash the gas fees associated with loan origination and portfolio management. This makes micro-loans and high-frequency underwriting economically viable on Ethereum L1 and L2s.

Replace slow, manual underwriting with instant, programmatic decisions. Our circuits execute complex logic in milliseconds, enabling real-time approval flows. This accelerates your time-to-funding from days to seconds, improving user experience and capital efficiency.

Every underwriting decision is backed by a verifiable zk-SNARK proof, creating an immutable, cryptographically secure audit trail. This provides regulators and auditors with proof of fair, consistent, and compliant lending practices without exposing proprietary models.

Enable capital providers to trustlessly verify the quality of an underwriting pool without reviewing individual loans. Our circuit designs allow for aggregated proof verification, facilitating the creation of more efficient, transparent, and scalable capital markets for your protocol.

We translate your underwriting rules (credit scoring, risk models, KYC checks) into precise mathematical constraints. This ensures the circuit logic is correct-by-construction before a single line of code is written.

Deliverable: Formal specification document and constraint system diagram.

We design the circuit architecture for optimal proving time and verification cost. This includes custom gate design, lookup table integration, and memory optimization specific to underwriting data structures.

Deliverable: Optimized circuit blueprint with gas and performance estimates.

Development of the circuit in your chosen framework (Circom, Halo2, Noir) with integration of the proving system (Groth16, PLONK, etc.). We handle elliptic curve operations and zero-knowledge backend setup.

Deliverable: Source code repository with comprehensive inline documentation.

Every circuit undergoes unit testing, property-based testing, and formal verification using tools like Picus or manual proof techniques. We ensure correctness against the original specification under all edge cases.

Deliverable: Full test suite and formal verification report.

We benchmark proving/verification times across hardware and provide detailed performance profiles. The circuit is prepared and documented for external security audits by firms like Trail of Bits or Quantstamp.

Deliverable: Performance benchmark report and audit-ready code package.

We assist with the on-chain verifier deployment (EVM, Starknet, etc.) and provide integration libraries for your application front-end and back-end, ensuring a smooth transition to production.

Deliverable: Deployed verifier contracts and client SDKs.