CipherScore

Privacy-preserving credit scoring

CipherScore

Demo model

CipherScore demonstrates how private financial signals can be evaluated on-chain to produce an approval decision, without revealing user inputs.

CipherScore Calculator

ⓘ What is this?

Each input represents a financial signal scored from 0 to 10. Higher values generally improve approval chances.

Approval rule:
Encrypted inputs are summed on-chain. If the total score is 10 or higher, the user is approved.

Income Stability (0–10)

How stable and predictable the user’s income is

Savings Behavior (0–10)

How consistently the user saves money

Payment History (0–10)

How reliable the user is at repaying debts

Risk Factor (0–10)

Lower risk means better approval chances

Random demo values (0–10)

When you click Calculate:
1. Inputs are encrypted locally
2. Encrypted values are sent to the smart contract
3. Approval is computed on-chain
4. Only the final decision is revealed

Result

Submit a transaction to see the result.

🔒 Privacy Guarantees

Private (never revealed)

Individual inputs
Intermediate calculations
Financial attributes

Public (visible on-chain)

Transaction hash
Final approval decision

Demo model: This project demonstrates privacy-preserving decision-making. Scoring logic is simplified for educational purposes.