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Decentralized Microloan Platform (D-MicroBank)

Build a decentralized app (dApp) that offers small, short-term crypto loans (microloans) to users, especially for students, freelancers, or creators who need quick capital without KYC or banks.

视频

技术栈

Web3
Solidity
Java
React
Ethers

描述

Build a decentralized app (dApp) that offers small, short-term crypto loans (microloans) to users, especially for students, freelancers, or creators who need quick capital without KYC or banks.

  1. Lenders deposit stablecoins (like USDT, USDC, or DAI) into a liquidity pool.

  2. Borrowers can request loans by locking a small amount of crypto as collateral (e.g., 1:2 ratio).

  3. Smart contracts automatically:

    • Approve/reject loans based on loan-to-value ratio (LTV)

    • Collect and distribute interest

    • Liquidate collateral if borrower doesn’t repay in time

  4. Reputation/credit score is built over time using on-chain activity or NFTs (identity badges).

    Layer

    Tech

    Blockchain

    Ethereum / Polygon / Base (low fees)

    Smart Contracts

    Solidity

    Frontend

    React + Web3.js / Ethers.js

    Wallet Integration

    MetaMask or WalletConnect

    Optional

    IPFS (for decentralized borrower metadata)

本次黑客松进展

inpiration from 1.Aave 2.Goldfinch 3.TrueFi

融资状态

NFT Credit Score: Issue an NFT that tracks borrower repayment behavior. Flash Loans: Allow instant, no-collateral loans (for advanced users). DAO Governance: Let lenders vote on platform rules or interest rates. Gamification: Borrowers get XP or tokens for timely repayments.
队长
Hharsh sharma
项目链接
赛道
DeFiGamingNFT