Prism finance

Pitch Deck: https://gamma.app/docs/Prism-Finance-h1qs61sp0ew10ux

Prism Finance revolutionizes DeFi lending by bringing TradFi credit scoring to blockchain. Unlike Aave or Compound where everyone pays the same rate, Prism Finance uses AI to analyze on-chain behavior and rewards good borrowers with up to 25% lower interest rates.

Core Innovation:
- 🤖 AI Credit Scoring: TensorFlow neural network analyzes 9 on-chain metrics to calculate credit scores (0-1000) with 98% accuracy
- 📊 3 Risk-Based Pools: Choose your risk tolerance (Low/Medium/High) with different collateral ratios (150%/175%/200%)
- 💎 Personalized Rates: Better credit score = lower interest rates. Users with excellent credit (850+) save up to 25% compared to poor credit (300)
- ⚡ Built on Mantle: Modular L2 with low fees and high throughput

Example Interest Rates (60% pool utilization, Medium risk tier):
- 850 (Excellent): 6.9% APR
- 600 (Average): 9.3% APR  
- 300 (New/Risky): 12.6% APR

Technical Stack:
- Smart Contracts: Solidity 0.8.20, Foundry, OpenZeppelin (121/121 tests passing)
- AI Model: Python 3.9 + TensorFlow 2.15 (98% accuracy, R² = 0.982)
- Frontend: Next.js 15 + React 19, Privy wallet integration
- Infrastructure: Mantle Network (400k+ TPS), Chainlink oracles

Live Deployments:
- Frontend: https://prism-finance-ten.vercel.app/
- AI API: https://prism-finance-ai.onrender.com/

GitHub: https://github.com/7maylord/prism-finance

Over the course of the hackathon, the project progressed from core protocol design to full deployment. I laid the foundation by designing the smart contract architecture, implementing a multi-tier lending pool, building the credit oracle infrastructure, and developing a rate calculator with credit-based adjustments. Then i focused on AI integration, where we trained a TensorFlow neural network on 20,000 samples, achieving 98% credit-scoring accuracy, and integrated the AI API with the smart contracts alongside an automated credit score updater bot. Thereafter, I delivered a production-ready Next.js frontend with five pages, integrated Privy wallet authentication, added real-time health factor monitoring, and completed a comprehensive test suite spanning 121 tests. Finally, I deployed the smart contracts to Mantle Sepolia, launched the frontend on Vercel, deployed the AI API on Render, set up four automation bots, and finalized full project documentation.

Prism finance

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