Seit eini­ger Zeit gibt es Bestre­bun­gen, das Credit Sco­ring zu moder­ni­sie­ren und an den digi­ta­len All­tag der Kun­den anzu­pas­sen. Bei­spiel­haft dafür sind affirm, Kre­di­tech, Big Data Sco­ring und bonify.

Einen Schritt wei­ter geht Bloom mit sei­nem Bloom Pro­to­col – Decen­tra­li­zed credit sco­ring powe­red by Ethe­re­um and IPFS.

Zur Phi­lo­so­phie:

Bloom is a stan­dar­di­zed, pro­gramm­a­ble eco­sys­tem to faci­li­ta­te on-demand, secu­re, and glo­bal access to credit ser­vices. Bloom pres­ents a novel approach to credit risk assess­ment allowing both tra­di­tio­nal fiat len­ders and digi­tal asset len­ders to issue com­pli­ant loans on the block­chain while incre­a­sing com­pe­ti­ti­on to lower fees and impro­ve bor­rower expe­ri­ence at every lay­er of the credit issu­an­ce process.

Die drei Hauptbestandteile: 

1. Bloo­mID (Iden­ti­ty Atte­sta­ti­on): Bloo­mID crea­tes a glo­bal secu­re iden­ti­ty, allowing len­ders to offer com­pli­ant loans glo­bal­ly, without for­cing bor­ro­wers to expo­se per­so­nal information.

2. Bloo­mIQ (Credit Regis­try): Bloo­mIQ is a sys­tem for repor­ting and tracking cur­rent and his­to­ri­cal debt obli­ga­ti­ons that are tied to a user’s BloomID.

3. Bloo­mS­core (Credit Sco­ring): The Bloo­mS­core is a metric of con­su­mers’ credit­wort­hi­ness. This decen­tra­li­zed score is simi­lar to FICO or Van­ta­ge­S­core score, but with updated models. …

Der Kre­dit­ver­ga­be bzw. Risikoprozess

1. Loan ori­gi­na­tor crea­tes con­tract detail­ing the amount of the loan, the repay­ment sche­du­le, and the requi­re­ments of the risk assessment

2. User reviews and agrees to the contract

3. Exter­nal attes­ters and sta­kers agree to veri­fy iden­ti­ty and credit­wort­hi­ness based on loan originator’s set of desi­red attes­ters and stakers

4. Orga­niz­a­ti­ons update con­tracts with per­so­nal­ly iden­ti­fia­ble infor­ma­ti­on (PII) requi­re­ments that they need to ful­fill atte­sta­ti­ons such as “name”, “address”, “date of birth”

5. User atta­ches encryp­ted details for each attes­ter and sta­ker to their Bloo­mID con­tract using the public keys of the respec­ti­ve parties

6. Iden­ti­ty veri­fier attests to the user’s pro­vi­ded data

7. RiskCo pays alter­na­ti­ve data pro­vi­der (Tel­co) for anony­mi­zed tran­sac­tion history

8. RiskCo uses addi­tio­nal pay­ment histo­ry infor­ma­ti­on to deci­de whe­ther to sta­ke user

9. Requi­re­ments all met. Bor­rower can with­draw credi­ted funds

Wesent­li­ches Ele­ment ist die Digi­ta­le Iden­ti­tät, hier die Bloom ID, der Nut­zer. Wir wer­den in Zukunft noch wei­te­re Model­le sehen, die nach ähn­li­chen Prin­zi­pi­en arbei­ten. Bloom könn­te eines der füh­ren­den wer­den. Das klas­si­sche Credit Sco­ring könn­te dadurch ersetzt, zumin­dest jedoch ergänzt wer­den. Das Credit Sco­ring wird Bestand­teil eines grö­ße­ren Öko­sys­tems, des­sen Zen­trum die Digi­ta­len Iden­ti­tä­ten sein werden.

Iden­tiy is the new money (David Birch).