zScore: A Universal Decentralised Reputation System for the Blockchain Economy
Fuente:
arXiv
Enregistré dans:
| Auteurs principaux: | , , , , , |
|---|---|
| Format: | Preprint |
| Publié: |
2025
|
| Sujets: | |
| Accès en ligne: | |
| Tags: |
Ajouter un tag
Pas de tags, Soyez le premier à ajouter un tag!
|
| _version_ | 1866929748348764160 |
|---|---|
| author | Udupi, Himanshu Sahoo, Ashutosh P., Akshay S. S., Gurukiran Paul, Parag Martens, Petrus C. |
| author_facet | Udupi, Himanshu Sahoo, Ashutosh P., Akshay S. S., Gurukiran Paul, Parag Martens, Petrus C. |
| contents | Modern society functions on trust. The onchain economy, however, is built on the founding principles of trustless peer-to-peer interactions in an adversarial environment without a centralised body of trust and needs a verifiable system to quantify credibility to minimise bad economic activity. We provide a robust framework titled zScore, a core primitive for reputation derived from a wallet's onchain behaviour using state-of-the-art AI neural network models combined with real-world credentials ported onchain through zkTLS. The initial results tested on retroactive data from lending protocols establish a strong correlation between a good zScore and healthy borrowing and repayment behaviour, making it a robust and decentralised alibi for creditworthiness; we highlight significant improvements from previous attempts by protocols like Cred showcasing its robustness. We also present a list of possible applications of our system in Section 5, thereby establishing its utility in rewarding actual value creation while filtering noise and suspicious activity and flagging malicious behaviour by bad actors. |
| format | Preprint |
| id |
arxiv_https___arxiv_org_abs_2503_05718 |
| institution | arXiv |
| publishDate | 2025 |
| record_format | arxiv |
| spellingShingle | zScore: A Universal Decentralised Reputation System for the Blockchain Economy Udupi, Himanshu Sahoo, Ashutosh P., Akshay S. S., Gurukiran Paul, Parag Martens, Petrus C. Computers and Society Computational Engineering, Finance, and Science Distributed, Parallel, and Cluster Computing Machine Learning K.4.4; I.2.11; C.2.4; K.4.2; H.3.5 Modern society functions on trust. The onchain economy, however, is built on the founding principles of trustless peer-to-peer interactions in an adversarial environment without a centralised body of trust and needs a verifiable system to quantify credibility to minimise bad economic activity. We provide a robust framework titled zScore, a core primitive for reputation derived from a wallet's onchain behaviour using state-of-the-art AI neural network models combined with real-world credentials ported onchain through zkTLS. The initial results tested on retroactive data from lending protocols establish a strong correlation between a good zScore and healthy borrowing and repayment behaviour, making it a robust and decentralised alibi for creditworthiness; we highlight significant improvements from previous attempts by protocols like Cred showcasing its robustness. We also present a list of possible applications of our system in Section 5, thereby establishing its utility in rewarding actual value creation while filtering noise and suspicious activity and flagging malicious behaviour by bad actors. |
| title | zScore: A Universal Decentralised Reputation System for the Blockchain Economy |
| topic | Computers and Society Computational Engineering, Finance, and Science Distributed, Parallel, and Cluster Computing Machine Learning K.4.4; I.2.11; C.2.4; K.4.2; H.3.5 |
| url | https://arxiv.org/abs/2503.05718 |