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Spectral

19 posts published

https://www.spectral.finance/ https://twitter.com/spectralfi
Spectral Incorporates Avalanche and Polygon Chain Data
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
Spectral Jan 26, 2023 • 4 min read
Introducing the Spectronauts Program
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.

  • Spectral
Spectral Jan 20, 2023 • 3 min read
The Art and Science of Credit Scoring
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.

  • James McGirk
  • Spectral
James McGirk, Spectral Dec 14, 2022 • 11 min read
Proof of Solvency: a Potential Path Forward for Centralized Exchanges
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.

  • Spectral
Spectral Dec 1, 2022 • 3 min read
Credit Intelligence and the Rise of the Bureaus
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.

  • James McGirk
  • Spectral
James McGirk, Spectral Nov 30, 2022 • 13 min read
Nine Solvable Problems with DeFi
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.

  • Spectral
Spectral Nov 17, 2022 • 6 min read
NFT Safety and Data Science: An Interview with ClubNFT
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.

  • Spectral
Spectral Nov 9, 2022 • 16 min read
Credit as a Zero-Sum Game (The First 3000 Years)
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.

  • Spectral
  • James McGirk
Spectral, James McGirk Oct 27, 2022 • 10 min read
How SBTs can unlock financial reputation
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
Spectral Oct 25, 2022 • 5 min read
Spectral on the Move: September Recap
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.

  • Spectral
Spectral Oct 7, 2022 • 7 min read
A Deeper Look at the MACRO Score (Part 2)
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.

  • Spectral
Spectral Oct 4, 2022 • 6 min read
A Deeper Look at the MACRO Score (Part 1)
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.

  • Spectral
Spectral Sep 15, 2022 • 7 min read
How Web3 Creditworthiness can create Financial Inclusion
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.

  • Spectral
Spectral Sep 14, 2022 • 5 min read
How We Launched in Beta and landed 20,000 users in 7 days
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.

  • Spectral
Spectral Sep 1, 2022 • 6 min read
Spectral App V0.3.0 Debuts in Open Beta
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
Spectral Aug 31, 2022 • 8 min read
Spectral at Fintech Devcon 2022
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.

  • Spectral
Spectral Aug 29, 2022 • 2 min read
Introduction to MACRO Score
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.

  • Spectral
Spectral Aug 10, 2022 • 8 min read
Spectral Using Custom Chainlink Oracle to Calculate On-Chain Credit Score
Product

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

We’re excited to announce that Spectral [https://www.spectral.finance/] — 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

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

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

Written in collaboration with Raymond Anderson [https://books.google.com/books/about/The_Credit_Scoring_Toolkit.html?id=7LlGfPvOJLoC] 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

  • Spectral
Spectral Sep 14, 2021 • 9 min read
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