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Credence
A DeFi protocol that won the BNB Chain Hackathon's DeFi track. Built solo as a hackathon project, currently iterating on the live deployment.
DeFi · Smart Contracts · Hackathon · BNB Chain
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Onchain credit scoring and undercollateralized lending on BNB Chain. Credence blends two independent credit signals — onchain wallet behavior across 5 blockchains and ZK-verified offchain credit attestations — into a composite score that determines collateral requirements on a continuous curve. The result: creditworthy borrowers access capital-efficient lending terms that neither traditional finance nor existing DeFi protocols can offer alone.
Credence applies battle-tested credit scoring methodology to onchain data for the first time, because the trillion-dollar lending market won't move to DeFi until DeFi can underwrite with the same rigor the real world does.