DeFi Micro-Lending Platform

A decentralized micro-lending platform built on Base Sepolia with AI-powered credit scoring.

Features

• AI-powered credit scoring using DistilBERT

• DAO governance for loan approval

• Decentralized insurance pool

• Smart contract-based lending platform

• Modern React frontend with Web3 integration
  
  Smart Contract Features

  • Loan request and approval system

  • DAO voting mechanism

  • Insurance pool with configurable parameters

  • Automatic insurance payout for defaulted loans

  AI Credit Scoring

  The platform uses DistilBERT to analyze:

  • User responses to predefined questions

  • Historical on-chain data

  • DAO member scores

  The final credit score determines:

  • Maximum loan amount

  • Interest rate

  • Insurance fee percentage

  Security Considerations

  • All smart contracts use OpenZeppelin's security standards

  • Access control for DAO functions

  • Reentrancy protection

  • Rate limiting on API endpoints

  • Secure wallet integration