Mantle Shield Credit

🎯 Project Overview

Mantle Shield Credit is a revolutionary DeFi protocol that bridges traditional finance and blockchain by introducing privacy-preserving credit scoring to enable under-collateralized lending on Mantle Network. Using Zero-Knowledge proofs, users can prove their creditworthiness without exposing sensitive financial data, unlocking capital efficiency while maintaining privacy.

📌 Project Resources — Mantle Shield Credit

📊 Live Deployment

Mantle Sepolia Testnet

Network Details:

• Chain ID: 5003

• RPC: https://rpc.sepolia.mantle.xyz

• Pool Funded: 100 MNT

• Status: Fully Operational

🔴 The Problem

Current DeFi Lending Limitations

1. Capital Inefficiency: Traditional DeFi protocols require 150-200% over-collateralization

   • Users must lock $1,500 worth of assets to borrow $1,000

   • Massive capital is tied up unproductively

   • Excludes users with good credit but limited collateral

2. Privacy Concerns: Traditional credit scoring systems expose sensitive data

   • Personal financial information stored on centralized databases

   • Risk of data breaches and identity theft

   • No user control over their own data

3. Accessibility Gap: No middle ground between:

   • Over-collateralized DeFi (capital inefficient)

   • Traditional credit (privacy invasive, centralized)

4. Regulatory Challenges:

   • DeFi struggles with compliance requirements

   • Traditional finance lacks blockchain efficiency

   • No framework for privacy-compliant lending

Real-World Impact

• $50B+ locked as excess collateral in DeFi protocols

• 70% of potential borrowers excluded due to collateral requirements

• Millions of users vulnerable to credit data breaches annually

✅ Our Solution

Privacy-First Under-Collateralized Lending

Mantle Shield Credit introduces a three-pillar solution:

1. Zero-Knowledge Credit Scoring

• Generate credit scores locally on your device

• Submit only ZK-proofs to the blockchain

• Financial data never leaves your control

• Verifiable creditworthiness without exposure

2. Smart Under-Collateralization

• Borrow with only 50% collateral (vs 150-200% in traditional DeFi)

• Credit score determines loan eligibility and terms

• 3x capital efficiency improvement

• Automatic approval for scores ≥ 580

3. MiCA-Ready Compliance Framework

• Selective disclosure for regulatory requirements

• Encrypted KYC with privacy preservation

• Audit trails without compromising user data

• Future-proof for European crypto regulations

Key Innovations

🔐 Privacy Layer: ZK-SNARK circuits process financial data locally
⚡ Instant Approval: Smart contracts auto-approve qualified borrowers
💰 Capital Efficient: Unlock 2-3x more borrowing power
🛡️ Risk Managed: Collateral ensures loan security
🌐 Decentralized: No central authority controls your data

Key Innovations

🔐 Privacy Layer: ZK-SNARK circuits process financial data locally
⚡ Instant Approval: Smart contracts auto-approve qualified borrowers
💰 Capital Efficient: Unlock 2-3x more borrowing power
🛡️ Risk Managed: Collateral ensures loan security
🌐 Decentralized: No central authority controls your data

🏗️ Architecture

System Overview

Technical Stack

💡 How Mantle Shield Works

🏆 Competitive Advantages

vs Traditional DeFi (Aave, Compound)

vs Traditional Finance (Banks, Credit Cards)

vs Other Crypto Credit Protocols

👥 Team & Vision

Our Mission

"Democratizing credit access while preserving financial privacy through zero-knowledge blockchain technology."

We believe everyone deserves access to capital based on their creditworthiness, not just their current wealth. By combining privacy technology with smart contracts, we're building the future of fair, transparent, and efficient lending.

Core Values

🔐 Privacy First: Your data belongs to you
⚡ Efficiency: Maximize capital utilization
🌍 Accessibility: Global, permissionless access
🛡️ Security: Battle-tested, audited code
📊 Transparency: Open-source, verifiable