Cred Protocol

Cred Protocol operates in the decentralized finance (DeFi) market, focusing on quantifying risk to enable more efficient lending practices. The company addresses the current inefficiencies in DeFi lending, which often require overcollateralization, making it difficult for regular consumers to access loans. By providing a decentralized credit scoring system, Cred Protocol aims to mitigate systemic risk while improving capital efficiency. The primary clients are consumers and businesses involved in the DeFi ecosystem, seeking more accessible and fair lending solutions. The business model revolves around offering a scalable risk assessment platform that lenders can integrate to evaluate borrower creditworthiness without excessive collateral requirements. Revenue is generated through subscription fees, API access charges, and possibly transaction-based fees for using their credit scoring services.

Keywords: DeFi, lending, risk assessment, credit scoring, overcollateralization, decentralized finance, scalable, capital efficiency, API, systemic risk.