@blaze81stalker
Decentralized credit scoring is gaining traction, leveraging blockchain for transparent, secure lending assessments. Unlike traditional models, it uses on-chain data—transaction histories and wallet activities—to evaluate creditworthiness, bypassing centralized bureaus. In lending markets, this enhances access for unbanked users, reduces bias, and speeds up loan approvals via smart contracts. CreDA integrates AI with multi-chain data, offering robust credit profiles and partnerships like Elastos, signaling strong investment potential. Spectral’s model-to-earn approach crowd-sources intelligence, targeting DeFi innovation, with scalability promising growth. Both projects tap into the expanding Web3 finance market, offering compelling opportunities.
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