Trust Score
Trust scoring allows separating good borrowers from less good borrowers. Good borrowers will receive better conditions and vice versa.
SmartCredit.io uses the trust scoring engine of https://smarttrust.io, which is seamlessly integrated into SmartCredit.io.
Trust scoring is relevant only for borrowers; it’s not relevant for lenders.
The trust score is based on the following calculations:
- AI-based blockchain analytics of inflows and outflows from the Ethereum account
- Social graph analysis
AI-based blockchain analytics are done for every account automatically in the background.
A better trust score means:
- Fewer payments into the Loss-Provision Fund for the borrower, which means less interest to be paid for the borrower
Tutorial videos:
Last modified 24d ago