Spectral

Spectral Finance creates a programmable creditworthiness ecosystem facilitating capital efficiency on-chain through credit risk analysis. The startup built an on-chain equivalent to a traditional FICO score, called the Multi-Asset Credit Risk Oracle (MACRO) Score, which allows users to check their on-chain scores through its platform.

Funding Round 1: $6.71M

Funding Round 2: $23M

Whitepaper

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What is Spectral

We pursue more ways to both extend and improve the methods by which lenders evaluate borrowers’ risk through our Multi Asset Credit Risk Oracle or MACRO Score. By leveraging on-chain data, lenders can get an insightful view of creditworthiness, allowing them to make better decisions and borrowers can easily access financial opportunities.

In addition to the aforementioned analysis, we introduce the concept of Non-Fungible Credit or NFC's. NFC's allow users to bundle wallets and sync their on-chain transactional history into a single composable asset (ERC721). When MACRO Scores are paired with NFC's, the framework for a new asset class of programmable creditworthiness emerges.