[AS2] - Krypto Kredit 🏅

Krypto Kredit is a Web3 Dapp that allows users to build credit by taking off chain transaction data and putting them on chain through NFT invocing and validators. Currently, only 23% of the worlds population has access to credit. This project was built to reach 99% of people by tackling cash transactions. This front end is used to interact with Krypto Kredit smart contracts to create and sign invoices from an invoicer and a payer. Our solution helps tthe unbanked get finantial opportunities by opening new finantial routes and get them in control of their credit score by publishing cash transactions on chain.

Credit is not easily accessible to most people globally, with just 23% of the global population having access to it. Krypto Kredit is a DAPP that allows individuals and businesses to create on-chain credit using off-chain cash transactions. It works as an invoicing system where NFT invoices with due dates can be created and paid immediately or deferred for a certain period. Upon payment, a "certificate of payment" is issued, and if payment is not made on time, the vendor can issue a "certificate of default". These certificates are used by third-party credit bureaus to calculate credit scores and by Krypto Kredit to calculate default risk. Cash transactions require a 3rd party validator who stakes 10x the amount they validate and serves as a notary to prevent fraudulent certification. Krypto Kredit helps users build credit by putting their transaction history on the blockchain.

We believe in making better ways to interect between human and protocol and that is why we implemented 2 snaps so that our protocol can be integrated anywhere and seemlessly by other users. We've built 2 snap functions to give our users a better experience in every plataform that uses our invoices. getPendingInvoices : Will get the number of pending invoices you have. payLatestInvoice : Will sign the older invoice you have to your wallet

We've made the crypto onboarding for non-crypto users a more approchable process. We generate wallets with the users email and we maximize connectivity and benefits for our users by giving them finantial freedom over their transactions and data availability on the transactions that aren't currently recorded on the blockchain as a public signal for the user.

We've fully deployed our solution to the scroll L2 testnet. We want to take advantage of zk technology in order to preserve some of the privacy the user has in his finantial trnsactions of-chain. Our vision is to onboard the next billion users by making simple processes that lead into a reliable source of finantial information for our ecosystem that benefits the world population by making your credit score global, not just a regional number.

Our target uis to onboard the next billion users. And by using web3auth we've manage to onboard non-crypto users to build up finantial credit. Currently, only 23% of the worlds population has access to credit, but with a clearer signal that give a broder view to our users, you can makee we'll informared global transactions to better our users social interactions accross the globe.

One of the main partners we'll work with in our future integrations is Spectral. They give us the on-chain data to improve the user credit analysis for each users to better understand the way he handles digital currencies and see if he is a good fit to get a loan or build finantial freedom. We've integrated both their API and SDK solution to validate our costumer before the invoice generation system. You can check for other users scores (via API) and get your own credit score with their SDK. Surely this is something that elevates our product and we'll be working with on next implementations.

Our multigraph implementation let's the ecosystem gather all the information the user needs to have a clearer understanding of a users finantial transactions on and off chain. We're trying to implement a new social score that will give our users the capabilities of getting transactional freedom by putting cash transactions on chain and processing the data in a reliable way so users can get advantage of using our protocol to transact. Validator information as much as user cash flows is what we are delivering to the blockchain to better understand a persons finantial record and credir responsability.- We are revolutionazing the blockchain with cash payment information that shouldn't be there natively but will impact the way people view your social interactions and can lead into finantial routes for our users.

With the integration of Huma evaluation agent (EA) we can monitor the Krypto Kredit invoice subgraphs and checks for metrics for underwriting risk. The Huma EA uses a combination of invoice count, invoices paid, invoices sent, along with metrics on if any invoices have been paid late or if user has recieved any derogatory mark NFTs. Once metrics have been tabulated credit limits are issues to the user and he is granted a line of credit.

We're taking advantage of everything open zeppelin has to offer. Contract libarries and now the defender give blockchain developers better tools to implement standarized smart contracts and make them secure and scalable. The defender is a great dashboard solution that implements a second layer of security and dashboard options on your contract interactions. We're excited to keep implementing with OpenZeppelin and making our protocol scalable, secure and reliable.

We are feeding the blockchain with information that shouldn't be there to analyze if a user is credit worthy or not. Our validator system validates cash transactions for our users and bundles it on a clear view of what the user finantial record is. This helps up build descentralization of finantial opportunities and get users from local to global markets to beneft themslefs from other finantial options. Our multigraph implementation let's the ecosystem gather all the information the user needs to have a clearer understanding of a users finantial transactions on and off chain. We're trying to implement a new social score that will give our users the capabilities of getting transactional freedom.