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.
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.
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.