ReSource
  • Welcome
    • Introduction
    • Protocol Architecture
  • Stable Credit
    • Stable Credit Lifecycle
    • Credit Risk
      • Overview
      • Risk Prediction and Mitigation
      • Underwriting
      • Network Assurance
      • Network Debt Account
      • Default Management
        • Obligation enforcement
    • Soft Peg
    • Stable Credits <> Fiat Loans
      • The Credit Pool
      • The Launch Pool
    • Configurability
  • Inter-Network Trade
    • Inter-Network Trade
      • Inter-Network Clearing House
      • How inter-network trade is facilitated
      • Export Risk
      • Export Risk Mitigation
        • Import Fee Structure
        • Import Fee Proceeds
        • Import/Export Limits
      • Varying Reference Currencies
  • Contracts
    • StableCredit.sol
    • AccessManager.sol
    • FeeManager.sol
    • AssurancePool.sol
    • CreditIssuer.sol
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  1. Stable Credit
  2. Credit Risk

Underwriting

PreviousRisk Prediction and MitigationNextNetwork Assurance

Last updated 1 year ago

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).