Spectral Finance

What is Spectral Finance?
Founded in 2020 by Sishir Varghese, Spectral Finance uses a Multi-Asset Credit Risk Oracle or Macro Score to build a programmable creditworthiness ecosystem. Through this credit risk analysis, Spectral seeks to build capital efficiency on-chain. They also use non-fungible creditor NFTs (called NFCs) that allow users to bundle their wallets and create a single composable asset by syncing their complete on-chain transactional history.
Web3 dapps and developer tools related to Spectral Finance
Discover blockchain applications that are frequently used with Spectral Finance.

Web3 Achievements
Sismo is a modular attestation protocol focused on decentralization, privacy, and usability.

DAO Reputation Tools
SourceCred is a tool that helps communities incentivize contributors for their work.

Web3 Achievements
Mint Kudos enables anyone to mint non-transferrable NFTs on Polygon to record contributions.
Resources and Guides about Web3 Credit Scoring Tools
Spectral Finance Alternatives
Explore web3 competitors and apps like Spectral Finance.

Web3 Credit Scoring Tools
RociFi is an under-collateralized credit protocol.

Web3 Credit Scoring Tools
Moni Social API provides a powerful data layer for X, enabling seamless integration and advanced analysis.

Decentralized Identity Tools
The Reputation Layer for Web3, designed for users to access and take advantage of their wallet history.
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