# Lending

Lending is a key incentive in-onboarding people onto the platform, as generated invoices can later be used by invoicer or payer to factorize or finance payments

**Providers:**

* Liquidity Providers

**Underwriting Process:**

Factors: On-Chain transaction history, Off-chain transaction history,

**Mobile Money Transaction History Analysis:**

1. **Mobile Money Account Data:** Obtain and analyze the mobile money account data of the user, including transaction history.
2. **Transaction Frequency:** Evaluate the user's transaction frequency to understand their financial activity and stability.
3. **Transaction Amounts:** Assess the sizes of individual transactions to gauge the user's financial capacity and spending patterns.
4. **Income/Debt Ratio:** Access the income/debt ratio associated with an account. 

**Integration with Digital Payment History:**

7. **Platform-Generated History:** Cr3dentials generates digital payment history, contributing to an individual's cash-flow history.
8. **Holistic Assessment:** Combine mobile money transaction data, invoicer-issued marks, and the platform's payment history to make a holistic assessment of the user's creditworthiness.
9. **Customized Credit Scoring:** Use a customized credit scoring model that factors in various aspects, including transaction history, payment behavior, and the presence of marks.
10. **Risk Mitigation:** Identify and mitigate credit risks based on the user's profile and history, allowing for informed lending decisions.