The Art and Science of Credit Scoring
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.
NFT Safety and Data Science: An Interview with ClubNFT
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.
How Web3 Creditworthiness can create Financial Inclusion
One theme that may come as a surprise is the close connection between financial inclusion and credit assessment. DeFi offers an unprecedented opportunity to further expand access and accessibility to credit by developing risk assessment infrastructure.
How We Launched in Beta and landed 20,000 users in 7 days
The response to our Open Beta Launch was overwhelming, over 20,000 users connected their wallets to Spectral’s app and generated a MACRO Score, a personalized assessment of their on-chain creditworthiness. Read on to hear how we got this far.
Spectral App V0.3.0 Debuts in Open Beta
Today marks a significant day for the Spectral community: The launch of the Spectral App V0.3.0 in Open Beta, a big step toward our vision of creating decentralized credit scoring and building a better, more equitable credit assessment infrastructure for Web3.