在最近的一份报告中，Cred Protocol 刚刚披露了它对去中心化金融用户的第一个信用评分。该协议是一个基于 Aave 协议的去中心化信用评分初创公司。
Cred Protocol 总部位于旧金山，由 9 人组成的团队运营。该公司的部分目标是让去中心化技术更容易为超过十亿人所用。此外，它在伦敦和纽约均设有分支机构。
相关阅读 | DeFi 协议受挫，NFT 市场蓬勃发展
在 Twitter 线程中，Cred Protocol 的首席执行官 Julian Gay 列出了该协议的运作方式。他阐述了该公司如何使用 Aave 协议上的过去交易来评估客户。此外，Cred 还关注去中心化金融领域的链上趋势，以衡量未来借款人的信用度。
1/ 在过去的几个月里，我们一直在努力为 DeFi 建立首批信用评分之一。
今天，我们很高兴与全世界分享我们的第一个信用评分结果！ 🌍
阅读下文了解更多👇
— 朱利安盖伊 (@juliangay)2022 年 7 月 14 日
Cred Protocol 致力于通过其运营让 DeFi 更接近全球更多的人。它侧重于提供值得信赖的信用评分。凭借其透明的方法，更多的人可以通过互联网连接和良好的信誉轻松获得贷款。
该协议使用机器学习对基于时间的帐户中的属性进行评估。然后它可以快速分析用户过去的交易行为。
这个过程使 Cred Protocol 能够生成健康因素的分数，通过它可以确定地址的清算状态。 Cred Protocol 的 CEO 认为这个评估过程在预测用户地址的信用价值方面非常出色。
著名的 DeFi 研究员 Chris Blec 指出借款人可能会使用多个以太坊地址来提高他的信用评分。
所以这只是那个 1 个以太坊地址的信用评分？如果有人使用 10 个不同的地址怎么办？
— 克里斯·布莱克 (@ChrisBlec)2022 年 7 月 15 日
不过，根据 Gay 的回应，Beta 版本很可能会带来使用多个地址的解决方案。
去中心化金融通过点对点系统简化了金融服务的运行。这种方法通常消除了涉及任何中央机构或中介机构的概念。但最初，贷款人和借款人从征信局等任何中央机构获得贷款价值评估。
完成了发布 在其首个信用评分中，Cred 正在将其计划扩展到 Aave 协议之外。它希望在其数据分析中达到其他 DeFi 借贷协议，例如 MakerDAO 和 Compound。
Cred Protocol 不会是第一个推广其信用评估服务的公司。 P2P 借贷协议 RochFi labs 与 GoldenTree（一家资产管理公司）合作，最近筹集了 270 万美元的种子资金。
其资金旨在扩大 DeFI 链上信用评级。两年前，另一个借贷协议 Teller 采取了类似行动，筹集了 100 万美元。它的目标是在去中心化金融中进行信用评分。
相关阅读 | Layer One 区块链初创公司 5ire 融资 1 亿美元，加入独角兽俱乐部
此外，Credit DeFi Alliance (CreDA) 于 2021 年 11 月推出了一项在多个区块链上运行的信用评级服务，以评估用户的信用度。在人工智能（AI）的协助下，CreDA使用CreDA Oracle完成对用户过往交易历史的评估。
特色图片来自 Shutterstock，图表来自TradingView.com
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