Billions of people have always paid their debts but have no paper trail to prove it.
The DID system — how Proof of Personhood works without KYC. Multi-signal entropy combining biometric hash, device fingerprint, and behavioral analysis into a unique personID.
The AI credit scoring model — how wallet transaction history, liquidation events, and asset holding duration combine into a 300-850 score with cryptographic attestation.
The MicroLender smart contract in PyTeal — how it verifies the off-chain score signature before approving any loan.
The RedFlagNFT system — how a soulbound ASA NFT creates permanent on-chain reputation consequences for default, making the entire system self-reinforcing.
Proof of Personhood DID
Identity uncoupling via cryptographic hash pooling.
AI Credit Scoring
Consensus engine weighing 100+ on-chain behavioral markers.
On-Chain Attestation
Oracle injection that signs loan validity immutably.
RedFlagNFT Reputation
Default-triggered soulbound mark permanently staining the DID hash.
DID architecture, entropy model design.
PyTeal smart contract development.
AI scoring model, cryptographic signature system.
RedFlagNFT soulbound ASA implementation.
Algorand testnet deployment, attack testing.
MLH Gemini Hackathon submission and win.
MLH Gemini Hackathon — Winner.
First AI-verified under-collateralized lending protocol on Algorand.