Spectral Team Celebrating Women's History Month Spotlight on three tremendous Spectral staffers during Women's History Month: Margarita Kirakosyan, Dima Durah, and Laney Ching.
Data Science Forecasting Risk with Predictive Algorithms and DeFi Data By providing real-time threat awareness, financial reputation primitives, and creditworthiness assessment Spectral is helping build out web3's blockchain security stack.
Spectral Team Announcing our ETH Denver Bounty Winners Announcing the winners of our hackathon, a copy of Sishir Varghese's speech, some vital statistics, and much more!
Spectral Team Spectral’s ETH Denver Bounty Spectral is sponsoring $15,000 worth of bounties. Read on for an introduction to Spectral, a description of the bounties, judging criteria, and links to resources.
Vision Defining Risk in DeFi Considering systematic risk in decentralized finance and the protocols, dApps working to counter them, and how predictive risk forecasting and artificial intelligence could usher in the blockchain's true potential.
Spectral Team Spectral at ETHDenver If you find yourself at ETHDenver this year, we would love to meet you! Come visit our booth, find out how to connect to our API, join a Hackathon (details released soon) or read all about us.
Education Proper Care and Feeding of DAOs 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.
Product Spectral Incorporates Avalanche and Polygon Chain Data There have been significant upgrades to Spectral's app since the Open Beta launched in August. Including infrastructure updates, new chains, NFT activity, and new products!
Spectral Team Introducing the Spectronauts Program See the future of finance and want to go deeper? Become a Spectronaut. Get special rewards, training, and early access to features and other benefits by leading our online community.
News A Full Spectrum Review of Spectral in 2022 Spectral's 2022 was quite a year, we closed a Series B, the Open Beta was released, access to the API was granted, new Spectronauts came on board and the community grew to the size of a town!
Education 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.
News Proof of Solvency: a Potential Path Forward for Centralized Exchanges Centralized exchanges are a major part of the web3 ecosystem, despite their shortcomings. Proof of Solvency and other cryptographic methods could help mitigate potential risks.
Education Credit Intelligence and the Rise of the Bureaus 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.
Education Nine Solvable Problems with DeFi 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.
Education 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.
Education Credit as a Zero-Sum Game (The First 3000 Years) 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.
Education How SBTs can unlock financial reputation 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.
Spectral Team Spectral on the Move: September Recap September saw Spectral's first ever offsite, a myriad of educational resources, news articles and investor blog posts, a meme competition, a Spectral cappuccino, and tens of thousands of new users.
Data Science A Deeper Look at the MACRO Score (Part 2) Part two of our plunge into the intricacies of the MACRO Score. Spectral's data science team describes model evaluation criteria, credit scoring, interpreting MACRO Scores, model monitoring, and future work.
Data Science A Deeper Look at the MACRO Score (Part 1) An in-depth look at the intricacies of the MACRO Score. Our data science team details how they defined the problem, gathered data, engineered features, and constructed a model. Part one of two.
Vision 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.
Product 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.
Product 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.
Spectral Team Spectral at Fintech Devcon 2022 Given the slump, there was residual fear over the use of blockchain technologies in Fintech. However, crypto ideals such as collaboration, open software, and financial inclusion were well in evidence. Spectral’s verdict: DeFi is here to stay.
Education Introduction to MACRO Score 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.