Overview
This section gives an overview of the off-chain model.
During DCA onboarding process, users can also integrate their off-chain data to their Credit DID on the blockchain. These off-chain data would be converted in form of ntNFTs or Soul Bound tokens and would be attested to the user's ID wallet in form of verifiable credentials. These data would be KYC data, social media accounts, etc. The distribution of score would be as follows:
KYC: 25%
Invoice/Proof of Income: 25%
Social Media Integration: 5%
CEX Account Integration: 20%
FICO/Vantage Score or other Credit Scores: 25%
In terms of methodologies the score distribution would be as follows:
KYC: 62.5 Points
KYC: 150 Points
KYC: 87.5 Points
Invoice/Proof of Income: 62.5 Points
Invoice/Proof of Income: 150 Points
Invoice/Proof of Income: 87.5 points
Social Media Integration: 12.5 points
Social Media Integration: 30 Points
Social Media Integration: 17.5 Points
CEX Account Integration: 50 Points
CEX Account Integration: 120 Points
CEX Account Integration: 70 points
FICO/Vantage Score or other Credit Scores: 62.5 Points
FICO/Vantage Score or other Credit Scores: 150 Points
FICO/Vantage Score or other Credit Scores: 87.5 Points
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