The DeFi Inefficiency
DeFi lending platforms require massive over-collateralization because they treat every address as a fresh, unknown entity. They cannot see your reliable past behavior.
Standard DeFi Lending
You Want to Borrow
$100
Required to Lock
$150
[02] AI Analysis
The AI Agent Scans Your
On-Chain Behavior
STAGE 01
Transaction History
AI indexes all wallet transactions across chains and identifies behavioral patterns.
STAGE 02
Risk Assessment
ML models analyze repayment patterns, position maintenance, and liquidity events.
STAGE 03
Reputation Score
Generates verifiable credit score based on cryptographically auditable behavior.
STAGE 04
Proof Generation
Cryptographic proof created without exposing sensitive transaction details.
How BlockVault Works
AI Agent
Analyzes History
Rust Relayer
Generates Storage Proofs
Smart Contract
Verifies Proofs On-Chain
Credit Credential
Mints SBT (Verified)