🔑 Key Features

1️⃣ AI-Powered Credit Assessment

• 🤖 Utilizes both on-chain and off-chain data to evaluate borrowers.

• 📊 Dynamic reputation scoring based on transaction history, repayment behavior, and financial activity.

• ⚡ AI-driven risk models to ensure fair loan disbursement and risk management.

2️⃣ Trustless and Decentralized Lending

• 🔗 No intermediaries; lending and borrowing are governed by smart contracts.

• 🔒 Secure and transparent transactions on the blockchain.

• 🤝 Self-executing contracts ensure automated loan disbursement and repayment.

3️⃣ Dynamic Interest Rate Model

• 📈 Interest rates are determined by AI-driven risk assessment.

• 🎯 Low-risk borrowers receive better loan terms.

• 💰 Lenders are rewarded with risk-adjusted returns.

4️⃣ Reputation System

• 🏆 Borrowers build their credit score over time based on their repayment history.

• 🎖️ Scores influence loan accessibility and interest rates.

• 🌍 Portable reputation across multiple DeFi platforms.

5️⃣ Multi-Source Data Integration

• 🔗 On-chain data: Wallet history, previous loan records, DeFi activity.

• 🏦 Off-chain data: Alternative credit history, employment verification, social reputation.