arXiv cs.LGPaper
zLend: A Dual-Scope Cash-Flow Reconstruction Framework for On-Chain Credit Underwriting
This is real infrastructure solving a genuine problem in DeFi: how to price credit risk without a credit bureau. The dual-scope approach (stablecoin basket vs all transfers) is clever and accounts for spendable liquidity as distinct from holdings. If you're building a lending protocol or risk engine for on-chain activity, this deployed system shows what works at scale. The signal is that on-chain underwriting is maturing past pattern matching.