Core Architecture
Multi-Chain Supply.
Unified Credit Engine.
PAS Markets
Isolated borrow/lend markets for native Polkadot assets. Dynamic LTV up to 85%, real floating APY.
Flashloan Shield
Manipulation-resistant v5 interest accrual. Protects the protocol from single-block price manipulation and flashloan attacks.
XCM Deposits
Bridge PAS from People Chain via native XCM.
ETH Bridge
Bring liquidity from different EVM chains into Polkadot Asset Hub. Minted 1:1 on-chain.
Governance Rewards
Vote on Asset Hub governance and earn score multipliers. Consistency unlocks higher tiers permanently.
mUSDC Markets
Bridged EVM USDC pools with real-time yield.
KredioSwap
Swap PAS, mUSDC and lending positions atomically.
Identity Boost
On-chain proofs permanently raise starting score.
AI Credit Engine
Six-tier dynamic credit scoring driven by on-chain behavior. Score improves in real time - no application, no waiting period.
Neural Risk Layer
A dual-mode neural net runs alongside deterministic rules to catch manipulation and edge cases the rulebook misses.
Technical Specification
How It Works.
01. Credit Scoring Engine
The MechanismEvery user starts at Tier 0 (Anon) with a 30% LTV cap and 22% APY. The kredit_agent PVM contract continuously recomputes a score from 0–100 using six weighted behavioral signals: repayment streak, deposit magnitude, borrow frequency, liquidation history, account age, and governance participation. A single liquidation drops the score by 40 points.
The InnovationScore is computed entirely on-chain inside a PVM contract - no oracle, no off-chain backend, no trusted committee. Deterministic, auditable, and gas-efficient.
02. Neural Scorer
The MechanismRunning in parallel, the neural_scorer PVM contract implements a 2-layer MLP. It normalizes behavioral features into weights to produce an independent neural score. It outputs Confidence % (agreement with deterministic score) and Delta from Rule (signed difference of performance vs rulebook).
The InnovationA user gaming rules (e.g., inflating streaks) shows a high deterministic score but low neural score - producing a large negative delta that flags manipulation. Pure on-chain smart contract resistance.
03. Dynamic Risk Assessment
The MechanismThe risk_assessor PVM evaluates individual positions, predicting liquidation probability (0–100%) using: Debt-to-Collateral, Credit Score, and 7-day collateral price volatility trend. It outputs Risk Tier, blocks to liquidation, and required top-up amount to return to a Safe status.
The InnovationForward-looking, trend-aware risk scoring. Unlike standard DeFi models using only current price snapshots, Kredio risk reacts preemptively to falling, stable, or rising price vectors.
04. Autonomous Strategy
The MechanismYieldMind (PVM) evaluates market context (Utilization, Volatility, Avg Credit Score of borrower base) to output a reasoning_code. High utilization (>70%) halts deployment. High volatility reroutes to conservative yielding. Normal states scale allocations linearly based on borrower credit quality.
The InnovationYield strategy is dynamically coupled to the behavioral quality of borrowers. A feedback loop connecting protocol-wide credit health to external capital allocation routing.
05. Cross-Chain Settlement
The MechanismThe KredioXCMSettler handles XCM Transact payloads compounding atomic intents (Swap → Deposit → Borrow). The KredioAccountRegistry links SR25519 Substrate identities to EVM via cryptographic verification. KredioBridgeMinter provides lock-and-mint EVM bridging directly into protocol use.
The InnovationThe SR25519 ↔ EVM identity link means Polkadot on-chain identity (KILT credentials, parachain behavior) flows directly into credit scoring as a first-class primitive.
The Path to Diamond
Climb the Ladder.
Unlock Capital.
Kredio replaces fragmented identity with a unified on-chain reputation. Start at Anon with basic terms. Prove your reliability through repayments and governance. Unlock institutional-grade liquidity at Diamond.
6
Tiers
85%
Max LTV
3%
Base Rate
0 SCORE REQUIRED
Max LTV
50%
Borrow Rate
12%
100 SCORE REQUIRED
Max LTV
60%
Borrow Rate
10%
500 SCORE REQUIRED
Max LTV
70%
Borrow Rate
8%
2,000 SCORE REQUIRED
Max LTV
78%
Borrow Rate
6.5%
10,000 SCORE REQUIRED
Max LTV
83%
Borrow Rate
5%
50,000 SCORE REQUIRED
Max LTV
85%
Borrow Rate
3%