Introduction to Kredio
A credit protocol with memory. Built on Polkadot Asset Hub - live on testnet today.
The Problem
DeFi lending has not solved credit. It has avoided it. Every protocol built in the last five years operates on the same assumption: trust no one, require overcollateralisation, charge everyone the same rate.
This works well enough to process volume. It does not work for participants who have built genuine on-chain track records - borrowers who have repaid consistently across months or years, who participate in governance, who carry a verifiable financial history. They get priced identically to a wallet opened this morning.
The data to fix this has always existed. Every repayment, every liquidation, every governance vote is timestamped and immutable on-chain. The obstacle is turning that record into a defensible, manipulation-resistant credit score that materially changes borrowing terms - all inside smart contracts, with no off-chain trust assumption.
That is what Kredio is.
What Kredio Does
Kredio assigns every borrower a credit score from 0 to 100, computed live at borrow time from four fully on-chain inputs: repayment history, deposit volume, liquidation record, and account age. The score maps directly to a collateral ratio and interest rate - locked into each position at open, with no external oracle and no manual review.
A first-time borrower at ANON tier posts 200% collateral and pays 15% APR. The same borrower after twelve repayments reaches DIAMOND tier - 110% collateral, 4% APR. The improvement is earned entirely through behaviour. No application. No identity verification required. No human in the loop.
Live on Polkadot Asset Hub Testnet
All contracts are deployed and active on Paseo testnet (Chain ID 420420417). Credit scoring, lending markets, PAS collateral market, cross-chain bridge, and the full AI scoring layer are running and emitting on-chain events right now.
Explorer: blockscout-testnet.polkadot.io · Primary lending contract: 0x61c6b46f5094f2867Dce66497391d0fd41796CEa
Three Execution Layers
Kredio is a hybrid protocol combining three execution environments, each handling what it is architecturally best suited for.
EVM - Capital and Settlement
Solidity contracts on Polkadot Asset Hub EVM handle all capital flows: lending, collateral management, swapping, cross-chain bridging, and XCM intent execution. All user-facing protocol state lives here. Standard ethers.js and viem compatible.
ink! Wasm - Deterministic Credit Scoring
KreditAgent is an ink! Wasm contract invoked by Solidity market contracts via SCALE-encoded cross-VM staticcall - in the same block, with no off-chain dependency. This atomic EVM-to-Wasm call is unique to Polkadot's hybrid Asset Hub runtime.
ink! PVM - Continuous AI Assessment
Three PVM contracts - NeuralScorer, RiskAssessor, and YieldMind - run continuously alongside the protocol, called by the backend AI Engine on every lending event. Each emits a permanent on-chain audit event after every computation.