In order to underwrite new members and renew credit lines of existing members, the Stable Credit protocol leverages the masa protocol.

Masa collects relevant information, such as an applicant’s financial statements, social data (ex. yelp reviews), and or business data (inventory, turnover, ect.) and renders them into non-transferable Soul Bound Tokens (SBTs), assigned to an applicant’s ledger address.

Based on these SBTs and network risk analysis provided by the Assurance Oracle, the CreditIssuer contract then assigns new members individual transaction fee rates and other credit terms (ex. credit limit and period length).

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