VeilScore: Private credit scoring with zero-knowledge machine learning. Generate verifiable credit scores on-chain without revealing sensitive financial data. Built on Mantle with Groth16 proofs.
VeilScore revolutionizes credit scoring by combining zero-knowledge machine learning (ZKML) with blockchain technology. Traditional credit scoring requires users to expose sensitive financial data, creating privacy risks and data breaches. VeilScore solves this by enabling private, verifiable credit scoring on-chain without revealing any personal information.
The Problem:
Current credit scoring systems force users to share sensitive financial data with lenders, creating privacy vulnerabilities and potential for data misuse. There's no way to prove creditworthiness without exposing personal information.
The Solution:
VeilScore uses zero-knowledge proofs (Groth16) to generate verifiable credit scores on blockchain. Users input their financial data, which is processed by a high-performance LightGBM machine learning model (trained on real LendingClub data with 99%+ accuracy). The system generates a zero-knowledge proof that verifies the credit score calculation without revealing the underlying data.
Key Features:
- Privacy-First: Financial data never leaves the user's control or is exposed on-chain
- Verifiable: Groth16 proofs ensure score authenticity without data disclosure
- High Performance: LightGBM model achieves >0.90 AUC on real-world data
- Explainable: SHAP-based analysis shows top 3 feature impacts
- On-Chain Verification: Smart contracts on Mantle Network verify proofs
- Production Ready: Full-stack application with FastAPI backend, React frontend, and comprehensive test coverage
Technical Stack:
- Backend: Python, FastAPI, LightGBM, EZKL for ZK proofs
- Frontend: React, TypeScript, Wagmi, Viem
- Blockchain: Solidity smart contracts on Mantle Network
- Infrastructure: Docker, CI/CD with GitHub Actions
Live Deployment:
- Web App: https://veilscore.onrender.com/
- Smart Contracts: Deployed on Mantle Sepolia Testnet
- Fully functional and ready for use
VeilScore demonstrates the future of private DeFi applications, where users can prove creditworthiness without sacrificing privacy.