Requirements

This section quantifies minimum data requirements under multiple scenarios required for a user to be eligible for credit.

Kinn follows a multi-purpose onboarding process allowing users a seamless and gamified onboarding experience and maintaining minimum risk and maximum repayment output in order to safeguard our investors at the same time.

During the onboarding process, users would be required to input details leading to a total onboarding score of 100% in order to access the initial minimum credit. During onboarding the users would get their credit wallet auto-created and their DID attested to the wallet. The wallet keys would be encrypted and attested to the DID. The scenarios would be as follows:

Non-optional Required Inputs

1. On-Chain KYC- 40%

Optional Required Inputs

Scenario 1	Scenario 2	Scenario 3
Wallet Attestation: 40%	CEX Account Integration: 40%	FICO/Vantage Score: 60%
Defi Lending Interaction or defi Data: 30%	Proof of Income: 60%
Wallet Analytics: 20%	Bank Account Integration: 40%
Multi-Chain Wallet Attestation: 20%	Social Media Integration: 20%

Minimum required score to achieve is 100% and the credit limit would be increased if the users onboarding score reaches more than 100% accordingly.