Spectral Finance

Spectral creates a programmable creditworthiness ecosystem that facilitates capital efficiency on the blockchain through credit risk analysis. Its first product is an on-chain credit score, which provides lenders with an improved method of evaluating borrower risk and gives users full control over their identity and anonymity on the blockchain. As a fully programmable and composable financial primitive, Spectral's credit score (MACRO score) enables permissionless execution of existing financial applications such as credit delegation and securitized debt, and lays the foundation for innovative new implementations that leverage on-chain transaction history to build user creditworthiness.