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boltHow Blockrate Works

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Overview

Blockrate is a credit intelligence infrastructure layer designed for digital asset lending ecosystems. It enables lending platforms to evaluate borrower reliability using encrypted transactional signals, on-chain activity, and optional off-chain data sources.

Blockrate operates as a neutral credit layer and does not require custody of funds unless explicitly enabled by integration partners.

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Borrower Credit Lifecycle

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1. Initial Assessment

When a borrower interacts with an integrated platform, Blockrate generates an initial risk profile using available signals such as wallet activity and optional identity or financial indicators.

This produces:

  • Initial Risk Band

  • Early Credit Snapshot

  • Legitimacy Signal

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2. Behavioral Credit Formation

As borrowers interact with lending platforms, Blockrate continuously evaluates repayment behavior, activity consistency, and reliability indicators.

Credit quality evolves based on:

  • Repayment performance

  • Borrowing behavior

  • Network-level activity patterns

  • Historical platform interaction

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3. Cross-Platform Credit Continuity

If a borrower interacts with multiple integrated platforms, Blockrate can provide a unified credit signal, allowing platforms to make more informed lending decisions without requiring direct data sharing between competitors.

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Integration Models

Blockrate supports multiple integration approaches depending on platform requirements.

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Credit Intelligence Integration

Platforms retain full control over transactions and custody while using Blockrate for credit evaluation and risk intelligence.

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Infrastructure Integration

Blockrate provides transaction orchestration, credit scoring, and borrower lifecycle intelligence as a managed service.

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Credit Signal API

Platforms can query Blockrate via APIs to retrieve borrower risk signals without full system integration.

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Security and Privacy Approach

Blockrate is designed around privacy-first data handling principles.

Key principles include:

  • Encrypted data ingestion and storage

  • Computation-based scoring models

  • No resale or exposure of raw transactional data

  • Strict separation between platform data sources

Blockrate functions as a credit intelligence provider rather than a data marketplace.

NextRoadmap

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