[Z3] - zkJoey Finance 🏅

Multisig Account Abstraction wallet with credit lines underwritten by on- and off-chain data, with zk-enabled private transfers to end-users. Like a real-life credit card!

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Challenges

Launch a real-world lending use case on Huma

Pool 3,500 USDC

We build the entire underwriting of the credit wallet on top of the Huma protocol https://github.com/credit-wallet/joey-mono/tree/main/smart-contracts https://github.com/credit-wallet/joey-mono/tree/main/evaluation-agent https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters

Spectral.finance's Bounty

Ranked 15,000 USDC

utilize spectral credit scoring of wallets for underwriting evaluation done by Evaluation Agents from Huma https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters/huma_signals/adapters/spectral

Embed Streaming USDC Payments into your App

Pool 5,000 ETH

receive payment signals from the Stripe Business account https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters/huma_signals/adapters/circle

A credit line for every wallet

Pool 11,500 USDC

We build the entire underwriting of the credit wallet on top of the Huma protocol https://github.com/credit-wallet/joey-mono/tree/main/smart-contracts https://github.com/credit-wallet/joey-mono/tree/main/evaluation-agent https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters

Enable Huma with a new payment network or payroll provider

Pool 5,000 USDC

Utilize on and off-chain data from Stripe, and Circle with credit scoring done by Spectral and FLock to provide credit facilities to the businesses https://github.com/credit-wallet/joey-mono/tree/main/smart-contracts https://github.com/credit-wallet/joey-mono/tree/main/evaluation-agent https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters

Web3Modal DeFi Challenge: Making Bank (Without the Banks)

Ranked 5,000 USDC

Utilise wallet connect to create a Dapp and platform for credit card type of underwriting https://github.com/credit-wallet/joey-mono/blob/main/frontend/src/index.js https://github.com/credit-wallet/joey-mono/blob/main/frontend/src/components/Header.js

Build new signal adapters

Pool 3,000 USDC

Integrated Circle, Stripe, Spectral and Flock as new adapters https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters/huma_signals/adapters/stripe https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters/huma_signals/adapters/circle https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters/huma_signals/adapters/flock https://github.com/credit-wallet/joey-mono/tree/main/signal-adapters/huma_signals/adapters/circle

👛 Wallet Logic!

Ranked 8,500 USDC

Built Account Abstraction ZK https://github.com/credit-wallet/AA-zkysync-updated/blob/main/contracts/AAFactory.sol https://github.com/credit-wallet/SimpleAA

Web3Modal Creative Challenge

Ranked 5,000 USDC

Utilise wallet connect to create a Dapp and platform for credit card type of underwriting https://github.com/credit-wallet/joey-mono/blob/main/frontend/src/index.js https://github.com/credit-wallet/joey-mono/blob/main/frontend/src/components/Header.js

zkBob Bounty

Pool 10,000 USDC

Businesses can pay directly from the credit pool via ZKBob to protect business-sensitive vendor information https://github.com/credit-wallet/joey-mono/blob/main/smart-contracts/contracts/ZkBobDirectDeposit.sol

#BUIDLathon 2023 DeFi Track

Pool 15,000 MATIC

Today, each wallet functions as a debit card. We envision a credit line for every wallet so people can borrow or spend as needed, similar to a credit card in real life. Credit Wallet built using multi-sig Account Abstraction on ZKSync Businesses or individuals can have credit facilities underwritten by on- and off-chain signals utilizing Huma Protocol data sources - Circle Business Account, Stripe, Request credit scoring - Spectral, Flock Users can make payments to the vendors and sellers directly from the Huma Pool via ZKBob to keep vendor details private. In case of late or default on repayments of the credit, the protocol takes ownership of the revenue-receiving contracts.

Project details

Live demoLink to work

Welcome to Joey Finance!

Project Description

Today, each wallet functions as a debit card. We envision a credit line for every wallet so people can borrow or spend as needed, similar to a credit card in real life.

  • Credit Wallet built using multi-sig Account Abstraction on ZKSync

  • Businesses or individuals can have credit facilities underwritten by on- and off-chain signals utilising Huma Protocol.

    • data sources - Circle Business Account, Stripe, Request

    • credit scoring - Spectral, Flock

  • Users can make payments to the vendors and sellers directly from the Huma Pool via ZKBob to keep vendor details private.

  • In case of late or default on repayments of the credit, the protocol takes ownership of the revenue-receiving contracts.

Stack

  • Dapp using Web3Modal

  • Multisig Account Abstraction for the credit wallet, with a second sig for a potential guarantor to co-sign on the credit line

  • Deployed on ZKSync

  • Integrates Circle (customer of our user makes payments to the credit wallet)

  • Signal Adapter (python app) for Huma to get data from:

    • Circle Business Account (https://developers.circle.com/developer/docs/getting-started-with-the-circle-core-api)

    • Stripe

    • credit score from Spectral and Flock

    • Request.finance invoices as collateral

  • Evaluation Agent (python app) to consume signals and underwrite credit.

  • ZKBob for transfers (direct deposits) from Pool to the end-user (https://docs.zkbob.com/resources/hackathons/zkbob-direct-deposits)

  • In case of default, the pool takes ownership of contracts receiving revenue.

  • Dapp was built using React.

    • login with Web3Modal

    • Connect Stripe and Cricle keys to feed Signal Adapter

  • Calculate credit limit by Evaluation Agent.

Bounties 

https://github.com/credit-wallet/joey-mono/blob/main/README.md#bounties