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:
Mobile Money Account Data: Obtain and analyze the mobile money account data of the user, including transaction history.
Transaction Frequency: Evaluate the user's transaction frequency to understand their financial activity and stability.
Transaction Amounts: Assess the sizes of individual transactions to gauge the user's financial capacity and spending patterns.
Income/Debt Ratio: Access the income/debt ratio associated with an account.
Integration with Digital Payment History:
Platform-Generated History: Cr3dentials generates digital payment history, contributing to an individual's cash-flow history.
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.
Customized Credit Scoring: Use a customized credit scoring model that factors in various aspects, including transaction history, payment behavior, and the presence of marks.
Risk Mitigation: Identify and mitigate credit risks based on the user's profile and history, allowing for informed lending decisions.
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