Zero-Knowledge Based Credit Scoring System

A privacy-preserving hybrid credit scoring system built with RISC Zero that combines traditional financial data (FICO-like scores, fetched with TLSNotary) with on-chain DeFi activity to asses creditworthiness without revealing sensitive financial data.

Start at Score Publisher to run the system

Architecture

The system consists of four main components:

• Inner Proofs: Individual proofs for different credit factors (fetched TradFi score, DeFi activity assessment and fetched stateroot, for data integrity verification)
• Outer Proof: Aggregated proof that verifies all inner proofs and calculates the final credit score
• Smart Contracts: On-chain verification and score publishing infrastructure
• Custom Libraries: Shared utilities for zkVM

Directory Structure

├── lib/                   # Custom libraries and utilities
├── risc0_proofs/          # Standalone RISC Zero proof implementation
├── score_publisher/       # Integrated scoring system with nested proof verification and on-chain publishing
└── solidity/              # Smart contracts for verification and credit score management
└── tee/                   # Score calculation for tee environment (without risc zero)

Hybrid Credit Score Components

The system calculates a weighted composite credit score (300-850 range) using:

• Payment History (30%) - DeFi lending reliability and on-time payments
• Credit Utilization (30%) - Available credit limits
• TradFi Score (15%) - Traditional financial credit score integration fetched from a banking API
• Credit History (15%) - Length of DeFi platform interaction history
• Trust Score (10%) - Data verification level and proof authenticity (100% here as everything is done in zkVM (compared to alternative aproaches))