The future of credit is here. We combine explainable AI with blockchain-verified consent to create fair, transparent credit scores for everyone.
CreditChain AI is a decentralized, AI-powered platform designed to revolutionize credit scoring for the "new-to-credit" population. By leveraging alternative data sources with user consent immutably recorded on the blockchain, we provide fair, transparent, and accurate financial risk assessments.
The Problem: In today's financial landscape, a vast segment of the population is excluded from traditional credit systems due to a lack of formal credit history. This creates a significant barrier to financial inclusion and limits opportunities for both individuals and lenders.
Our Solution: CreditChain AI bridges this gap with a three-pronged approach:
On-Chain Consent: We put users in control of their data. Consent to use alternative data sources (such as telco, e-commerce, and social data) is managed via a secure and auditable smart contract on the Polygon network.
Explainable AI (XAI): Our sophisticated machine learning model analyzes this data to generate a credit score. Using technologies like SHAP, we ensure the scoring process is transparent, showing exactly which factors contribute to the final assessment.
Scalable Architecture: Built on a modern microservices stack (React, Node.js, Python/FastAPI, Docker), our platform is designed for reliability, speed, and scalability, ready to integrate with financial institutions like HDBank and the broader Sovico ecosystem.
By combining the security of blockchain with the power of explainable AI, CreditChain AI unlocks new markets for lenders and empowers millions with fair access to financial services.
Key achievements include: Infrastructure - Designed a complete monorepo architecture with Docker Compose to enable seamless local development across frontend, backend, and AI services. AI Engine: Developed, trained, and deployed a high-performance Gradient Boosting model through a FastAPI service, with SHAP integrated to ensure full model explainability—one of the platform’s core features. Backend - Implemented a robust Express.js API gateway with Redis caching to manage data flow efficiently and maintain high performance. Frontend - Delivered a user-friendly React/TypeScript interface that supports MetaMask wallet connection, data uploads, and visualization of both the credit score and its key drivers. End-to-End Flow: Completed a fully functional local demo that replicates the entire user journey, from data consent to receiving an explainable credit score.
Not Fundraising