ZeroCred

ZeroCred is a decentralized credit scoring protocol that gives users a way to prove their financial credibility across Web3—without revealing their personal identity.

Using Zero-Knowledge proofs, on-chain behavior, and verifiable KYC attestations, ZeroCred builds a reputation score that is portable, privacy-preserving, and composable. Users unlock perks like better lending rates, token-gated access, governance influence, or MetaMask Card rewards—all powered by trustless data.

💡 What ZeroCred Enables

• Anonymous Creditworthiness
  Users can prove that they are KYC-verified without revealing their name or documents.

• Comprehensive On-Chain Scoring
  Scores are calculated using wallet behavior—loan repayment history, DAO participation, NFT holding patterns, and consistent USDC usage.

• Cross-Chain Activity Indexing
  Behavior is aggregated across networks using LI.FI SDK + Circle CCTP, creating a full view of reputation beyond a single chain.

• Modular Reputation Layer for dApps
  Developers can query or integrate the ZeroCred score to control access, tiered benefits, or custom loyalty systems.

• Integrated User Experience
  A MetaMask SDK-based frontend enables users to:

  • Connect wallet

  • Submit ZK-KYC credential

  • View score & benefits

  • Use Circle Wallets to receive or spend USDC

🧩 Architecture Highlights

• ZK-KYC Layer: Uses Polygon ID or Worldcoin to generate zero-knowledge credentials that confirm KYC status without revealing identity.

• Reputation Engine: Scores built from wallet behavior (DeFi, DAOs, NFTs) via Graph, Dune, or Covalent indexing.

• ZK Score Registry: Smart contracts store and validate scores, optionally issuing ZK-powered SBTs as proof of trust.

• Frontend Portal: Built in React + Tailwind, with a clean dashboard for users to manage their score and linked identity.

  🌐 Use Cases

  Sector	Use Case
  💳 MetaMask Card	Unlock cashback tiers based on score (e.g. 2% for 800+)
  🏦 Lending	Enable undercollateralized loans based on real behavior
  🧑‍💻 DAO Governance	Gate voting or role access to credible, non-sybil wallets
  🎟️ NFT/Token Access	Projects can allow mint access only to trusted users
  🌍 Global Finance	Circle Wallet + USDC + score = real microfinance access

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  🛠️ Stack Snapshot

  • Frontend: React, Tailwind, MetaMask SDK

  • Smart Contracts: Solidity (Verifier, Score Registry, SBTs)

  • ZK Layer: Polygon ID, Zokrates/SnarkJS

  • Backends & Indexing: Node.js, Graph Protocol, Dune/Covalent

  • Cross-Chain & Wallets: LI.FI SDK, Circle Wallets, Circle CCTP

  • Stablecoin: USDC

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  🚀 Future Expansion

  • Score API for dApps — Enable plug-and-play integrations across DeFi, gaming, and social platforms.

  • Score-Backed Lending Pools — Allow protocols to lend based on risk tier.

  • ZK Reputation Badges — Deploy SBTs as proof of user trust without compromising privacy.

  • Mobile UX for MetaMask Card — Allow users to unlock real-world spending rewards based on score.

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  🎯 Summary

  ZeroCred redefines what it means to have credit in a decentralized world.

  It bridges the gap between privacy and trust, letting users access real-world opportunities—without surrendering their identity.

  ✅ Credit without a credit bureau.
  ✅ Reputation without exposure.
  ✅ Finance without borders.