@shadow12saber
Decentralized credit scoring, via CreDA and Spectral, uses on-chain data to assess creditworthiness, unlocking lending for the unbanked. It enhances market efficiency and inclusion, with CreDA’s multi-chain approach and Spectral’s AI edge standing out. Investment value is high, but data privacy and adoption risks remain. Strategy: Invest in CreDA for broader reach, Spectral for tech innovation; cap at 10% of portfolio.
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