Spectral Blog

DAOs combine human factors with smart contracts and decentralized decision-making. Risk comes in many forms. Internal, external, systematic. The first in a series of DAO-related articles from Spectral.

Part three of the History of Credit, Credit Intelligence, and Credit Scoring which charts the gradual development of scoring and how it spread, eventually contributing to the credit crisis of 2009. Decentralized scoring is proposed as a potential solution.

The second in our educational series detailing the history of credit, credit intelligence, and credit scoring. This article focuses on credit intelligence, which grew from informal rumor-mongering to a sophisticated surveillance empire.

Recent financial turmoil in the cryptocurrency markets has cast a light on some of the problems with DeFi as it exists today: capital inefficiency, inequality, identity, privacy, stablecoins, asset price volatility, terrible UI and a bad reputation.

ClubNFT helped create awareness of a major issue with NFTs: what happens to your NFT when the site hosting the artwork associated with your token goes down? Spectral asks them about their new tool, designed to help users find new artists and how to collect NFTs safely.

Civilization has gradually reframed borrowing from a zero-sum game of obligation to a mutually beneficial agreement. The first in a three-part series dedicated to the history of credit, credit intelligence, and credit modeling.

Soulbound Tokens (SBTs) can improve delegation, create a more precise version of the traditional airdrop, streamline paperwork, not to mention offer new opportunities for composability in DeFi lending.

Think of it as an on-chain credit risk assessment score, similar to a traditional credit score except it is generated from on-chain transactions and under a user’s control.