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RociFi

A DeFi lending application combining wallet-level credit analysis with undercollateralized borrowing.

DeFi LendingCredit ScoringUndercollateralized LoansWallet AnalyticsPolygonzkSync
Project overview

Onchain credit without full collateral

RociFi combined decentralized lending with an onchain credit-scoring primitive. The resulting score could also be queried through an API and used by external applications for lending, reputation, fraud prevention or Sybil resistance.

Product

RociFi lending app

Users could connect and bundle multiple wallets, mint a Non-Fungible Credit Score, and access borrowing conditions based on their wallet history and repayment behaviour.

Landing page
NFCS minting with wallet bundling
Borrow confirmation with risk-based terms
Deposits dashboard with accrued interest
Transaction history
WeAreShovels' contribution
  • Wallet connection and address bundling
  • Onchain credit-score generation
  • Loan origination and repayment
  • Lending pools
  • Risk-based borrowing conditions
  • Portfolio dashboards
  • Scoring API
  • Smart-contract integration
  • Product management
Contact

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