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.
Product 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,
Vision 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”
