The first portable cross-chain credit reputation protocol. Borrow with less collateral. Build credit across chains.
How It Works | Architecture | USC Integration | Contracts | Get Started
DeFi lending is broken for real people.
Every major lending protocol (Aave, Compound, MakerDAO) requires 150-300% overcollateralization. To borrow $1,000, you need to lock up $1,500-$3,000 first.
This creates a $3 trillion+ global undercollateralized lending gap:
- 1.4 billion adults remain unbanked worldwide
- Emerging-market SMEs can't access DeFi capital despite proven repayment track records
- Cross-chain users with years of perfect loan history on Ethereum get zero credit when they move to a new chain
- Your credit reputation dies at every chain boundary
The fundamental problem: DeFi has no memory. Every chain, every protocol treats you as a stranger.
CreditX creates a Universal Credit Reputation that follows you across chains.
We use Creditcoin's Universal Smart Contracts (USC) to trustlessly verify your loan history from Ethereum (and any supported chain), aggregate it with Creditcoin's own 3M+ legacy credit transactions, and mint a soulbound NFT that represents your on-chain credit score (0-1000).
This score directly unlocks better borrowing terms: lower collateral requirements (as low as 50%) and lower interest rates (as low as 2% APR).
No oracles. No centralized APIs. Pure on-chain verification via USC.
1. CONNECT 2. VERIFY 3. SCORE 4. BORROW
+-----------+ +---------------+ +--------------+ +-------------+
| Connect | ---> | USC Precompile| ---> | Soulbound | ---> | Dynamic LTV |
| Ethereum | | (0x0FD2) | | Credit NFT | | Lending Pool|
| + CTC | | Verifies Loan | | Score: 847 | | 50-150% |
| Wallets | | History | | /1000 | | Collateral |
+-----------+ +---------------+ +--------------+ +-------------+
| |
Cross-chain Merkle Score increases
+ Continuity Proofs with each repayment
Step 1: Connect - Link your Ethereum wallet alongside your Creditcoin wallet
Step 2: Verify - USC's NativeQueryVerifier precompile (0x0FD2) trustlessly verifies your cross-chain loan repayment events using Merkle and continuity proofs. No oracles needed.
Step 3: Score - A soulbound (non-transferable) ERC-721 NFT is minted with your Universal Credit Score (0-1000). The score aggregates verified repayments from Ethereum + Creditcoin's legacy 3M+ credit transactions. Each verified repayment increases your score; defaults decrease it.
Step 4: Borrow - The lending pool reads your on-chain score and dynamically adjusts your terms:
| Credit Score | Collateral Required | Interest Rate | Profile |
|---|---|---|---|
| 900-1000 | 50% | 2% APR | Excellent credit history |
| 750-899 | 75% | 5% APR | Strong track record |
| 500-749 | 100% | 10% APR | Moderate history |
| 200-499 | 120% | 15% APR | Limited history |
| 0-199 | 150% | 25% APR | New / poor history |
A user with a score of 900+ can borrow $1,000 with only $500 collateral instead of the standard $1,500.
+----------------------------------------------------------+
| CREDITCOIN EVM TESTNET |
| (Chain ID: 102031) |
| |
| +------------------+ +------------------------+ |
| | CreditReputation |<----| UniversalVerifier | |
| | (Soulbound NFT) | | | |
| | | | Calls USC Precompile | |
| | - Score 0-1000 | | at 0x0FD2 to verify | |
| | - Proof hashes | | cross-chain proofs | |
| | - Loan history | | | |
| +--------+---------+ +-----------+------------+ |
| | | |
| v | |
| +------------------+ +----------v-----------+ |
| | CreditXLendingPool| | NativeQueryVerifier | |
| | | | (Precompile 0x0FD2) | |
| | - Dynamic LTV | | [CREDITCOIN NATIVE] | |
| | - Deposit/Borrow | +----------+-----------+ |
| | - Repay/Liquidate| | |
| | - Health factor | | |
| +------------------+ +----------v-----------+ |
| | Cross-chain Proofs | |
| | (Merkle + Continuity)| |
+---------------------------|----------------------+-------+
|
+------------v-------------+
| ETHEREUM |
| (Source Chain) |
| |
| +---------------------+ |
| | MockLendingSource | |
| | (Aave/Compound sim) | |
| | | |
| | LoanCreated events | |
| | LoanRepaid events | |
| | LoanDefaulted events| |
| +---------------------+ |
+---------------------------+
CreditX is built around Creditcoin's Universal Smart Contracts (USC) precompile, the chain's flagship cross-chain verification feature.
The UniversalVerifier contract calls the NativeQueryVerifier precompile at address 0x0000000000000000000000000000000000000FD2:
interface NativeQueryVerifier {
function verify(bytes memory proof) external view returns (bool);
}
contract UniversalVerifier {
address constant NATIVE_VERIFIER = 0x0000000000000000000000000000000000000FD2;
function verifyCrossChainEvent(
address user,
bytes calldata proof,
bool isRepayment,
uint256 loanAmount,
string calldata sourceChain
) external {
// Verify cross-chain proof via USC precompile
bool verified = INativeQueryVerifier(NATIVE_VERIFIER).verify(proof);
require(verified, "USC verification failed");
// Update user's soulbound credit reputation
// ...
}
}| Without USC | With USC (CreditX) |
|---|---|
| Need trusted oracles for cross-chain data | Trustless on-chain verification |
| Centralized API for credit history | Decentralized proof verification |
| Credit score locked to one chain | Portable across all USC-supported chains |
| Days to verify history | ~15 seconds per proof |
USC makes CreditX possible without any centralized intermediary. This is exactly the use case Creditcoin was built for.
| Layer | Technology |
|---|---|
| Chain | Creditcoin EVM Testnet (Chain ID: 102031) |
| Contracts | Solidity 0.8.28, Hardhat, OpenZeppelin 5.x |
| Cross-chain | USC NativeQueryVerifier Precompile (0x0FD2) |
| Frontend | Next.js 15, Tailwind CSS, wagmi/viem, RainbowKit |
| Token Standard | ERC-721 (Soulbound, non-transferable) |
| Security | ReentrancyGuard, Ownable, replay protection |
| Contract | Purpose |
|---|---|
CreditReputation.sol |
Soulbound ERC-721 NFT storing credit scores (0-1000) with full loan history tracking |
UniversalVerifier.sol |
USC precompile integration for trustless cross-chain proof verification + score calculation |
CreditXLendingPool.sol |
Dynamic lending pool with score-based LTV (50-150%) and tiered interest rates (2-25%) |
MockLendingSource.sol |
Simulates Ethereum lending events for demo (LoanCreated, LoanRepaid, LoanDefaulted) |
| Contract | Address |
|---|---|
| CreditReputation | 0x3f7FC08150709C22F1741A230351B59c36bCCc8a |
| UniversalVerifier | 0x2636Ed9F3Aa33589810BE07B48ad9Be79de3Fd7F |
| CreditXLendingPool | 0x95B4b7d7a23d954BF92FeDF2e00A374E22208D69 |
| MockLendingSource | 0xafA4230B7154d95F1c8Bc13AD443b2e50bde7C57 |
Verify on Creditcoin Testnet Blockscout Deployer:
0x83F9d93ddfbaB266bf7c69110dC2F15e8fF3Ad4a
- Node.js 18+
- A wallet with tCTC (testnet CTC) from the Creditcoin Testnet Faucet
cd contracts
npm install
npx hardhat compile# Set your private key
cp .env.example .env
# Edit .env with your PRIVATE_KEY
# Deploy
npx hardhat run scripts/deploy.js --network creditcoinTestnetcd frontend
npm install
npm run dev| Parameter | Value |
|---|---|
| Network Name | Creditcoin Testnet |
| RPC URL | https://rpc.cc3-testnet.creditcoin.network |
| Chain ID | 102031 |
| Currency | CTC |
| Explorer | https://creditcoin-testnet.blockscout.com |
BUIDL CTC 2026 | DeFi Track
- Perfect USC Showcase - Heavy, meaningful use of Creditcoin's flagship cross-chain feature
- First of Its Kind - No other project creates portable cross-chain credit reputation NFTs on Creditcoin
- Real-World Impact - Directly addresses the $3T+ undercollateralized lending gap and financial inclusion
- Production Path - Clear CEIP roadmap from hackathon MVP to mainnet protocol
- Phase 1: AI risk engine for dynamic score weighting
- Phase 2: Multi-chain support (Bitcoin, BSC, Polygon via USC)
- Phase 3: Credit-backed stablecoin collateral
- Phase 4: Institutional KYC-gated pools
- Phase 5: ZK-proof privacy layer for selective score sharing
CreditX Labs
Built on Creditcoin | Powered by USC