The onchain credit identity layer for the 1.4 billion
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-fe-9a4ee699162b.herokuapp.com/
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
Not currently fundraising
