A decentralized cross-chain credit bureau designed to allow whitelisted protocols to submit credit reports for addresses and retrieve credit histories across multiple chains for better underwriting.
- Whitelisting of addresses to control report submissions.
- Support for multiple types of credit lines, including uncollateralized, collateralized, and overcollateralized.
- Duration categorization into fixed and revolving.
- Cross-chain functionality supported by Axelar.
- Viewable credit summaries, including the length of credit history, total open credit lines, and more.
CreditBureau: Main contract responsible for handling credit reports and summaries.SatelliteCreditBureau: Helper contract for easier access to Axelar's cross-chain calls.
- Whitelist addresses using the
toggleWhitelistfunction. - Submit credit reports for addresses via the
submitCreditReportfunction. - View credit summaries using the
viewCreditSummaryfunction. - To make cross-chain calls, use helper contract's
submitCreditReportmethod and ensure Axelar data like destination chain and address are correct.
Union Protocol: an implementation on how Union Protocol can use the credit bureau to report their borrowers' performance across multiple chains. In this example, we have overridden the UserManager contract embedding the credit bureau's interface and aggregating user performance data. This allows us to use the credit bureau as a standalone contract and also as a module in other contracts.
We welcome contributions from the community! This is a public goods project made for the whole web3 community to expand and implement. Contrarily to tradfi credit bureau that are private, centralised and pay-per-view, we are aiming at a collaborative apporach able to create a stronger, more fair and transparent ecosystem.
This project is licensed under the GPLv3 License. See the LICENSE file for details.