CreditGraph

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Tech Stack

Solidity

React

Rust

Node

Ethers

Web3

Python

Description

CreditGraph is the onchain credit identity layer for the 1.4 billion adults the formal financial world can't see. It turns mobile-money history and community trust into a portable, ZK-verified credit score, then lends undercollateralized USDC against it. AI agents collect data, underwrite, and manage risk; a novel social-attestation graph lets people stake bonds to vouch for each other (Ajo/Esusu, onchain); and the score is a public good other protocols can read . Bureau-based onchain credit serves crypto users who already have an Equifax score. CreditGraph serves everyone Equifax never heard of.

Technical Details
Github repository : https://github.com/oadeniran/creditGraph
LiveDeployment: https://creditgraph.azurewebsites.net/

Progress During Hackathon

During the buildathon we designed and shipped the full protocol: 18 Solidity contracts (soulbound identity, public score registry, an EIP-712 agent-quorum scoring oracle, a pluggable ZK attestation verifier, an ERC-4626 lending pool, loan manager with tier-based pricing, the social attestation graph with bonded vouching and slashing, insurance fund, credit slasher, agent registry with x402 agent-to-agent payments, treasury, and a Robinhood Chain score mirror). Everything compiles clean on Solidity 0.8.24 + OpenZeppelin v5, with Foundry deploy scripts that wire every role and post-deploy setter. We caught and fixed two real economic bugs in the default-coverage path during review. We also built the AI agent network (data, underwriting quorum, pool, recovery), a mobile-first UX that hides the chain entirely, and produced full flow documentation. Deployed to Arbitrum Sepolia

Fundraising Status

Not currently fundraising