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2 posts published

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Spectral Using Custom Chainlink Oracle to Calculate On-Chain Credit Score

Spectral Using Custom Chainlink Oracle to Calculate On-Chain Credit Score

We’re excited to announce that Spectral — a protocol for programmable creditworthiness — has built a custom Chainlink oracle solution to power its Multi Asset Credit Risk Oracle, or MACRO score for short. A user’s MACRO score is calculated using many different pieces of on-chain transaction data including payment history,

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Spectral Dec 8, 2021 • 3 min read
The Future of Credit Risk in Web3 — It’s Not Just a Credit Score

The Future of Credit Risk in Web3 — It’s Not Just a Credit Score

Written in collaboration with Raymond Anderson Before 2010, credit risk assessment methodologies had been relatively stable for many years. Of late, however, gains in computing and data storage and processing efficiencies have accelerated and changed the landscape on two fronts. First, the depth and breadth of available data (“big data”

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Spectral Sep 14, 2021 • 9 min read
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