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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

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Overview

Project industryData Analytics
Product typeProtocol
FoundedUnited States
WhitepaperSpectral White Paper Open

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.

Details

Raised: 29,750,000

Legal

Blockchain Platform: Ethereum
Registration country: United States
Registration year: 2020

Project team

Luca Vento Jorge
Luca Vento Jorge
CMO
Luca Vento Jorge linkedin
Sishir Varghese
Sishir Varghese
CEO & Co-Founder
Sishir Varghese linkedin
Srikar Varadaraj
Srikar Varadaraj
Co-Founder
Srikar Varadaraj linkedin
Zbigniew Pękala
Zbigniew Pękala
Lead Software Engineer
Zbigniew Pękala linkedin
Margarita Kirakosyan
Margarita Kirakosyan
Senior Machine Learning Engineer
Margarita Kirakosyan linkedin
Zane Peycke
Zane Peycke
Machine Learning Engineer
Zane Peycke linkedin
Jared Childers
Jared Childers
Blockchain Developer
Jared Childers linkedin
Pedro Gutiérrez Puente
Pedro Gutiérrez Puente
Senior web3 Frontend Engineer
Pedro Gutiérrez Puente linkedin
Darrell Malone
Darrell Malone
Developer Relations
Darrell Malone linkedin
Jair Miranda
Jair Miranda
Data Team Lead
Jair Miranda linkedin
Felipe Lana Machado
Felipe Lana Machado
Machine Learning Engineer
Felipe Lana Machado linkedin
Luis Eduardo Castillo
Luis Eduardo Castillo
Web3 Engineer
Luis Eduardo Castillo linkedin
Haig Douzdjian
Haig Douzdjian
Product Lead
Haig Douzdjian linkedin
Ramon R.
Ramon R.
Machine Learning Engineer
Ramon R. linkedin
Shubham Mandowara
Shubham Mandowara
ML Research Engineer and MLOps engineer
Shubham Mandowara linkedin
Gaurav Jain
Gaurav Jain
Infrastructure Developer
Gaurav Jain linkedin
Laney Ching
Laney Ching
Visual Designer
Laney Ching linkedin
Jhon Lucas
Jhon Lucas
Data Engineering Specialist
Jhon Lucas linkedin
Jakub Szymczak
Jakub Szymczak
DevOps Lead
Jakub Szymczak linkedin
James McGirk
James McGirk
Senior Writer
James McGirk linkedin

Social media

Spectral web-siteSpectral MediumSpectralYouTubeSpectral LinkedInSpectral TwitterSpectral DiscordSpectral Github

MVP

MVP URL

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