Credit Scoring

Scoring Aave Accounts for Creditworthiness

Cred Protocol's paper (arXiv:2207.07008) proposing a credit scoring system for Aave v2 accounts using a tree-based classifier trained to predict 'position delinquency' — whether a borrow position's health factor will drop below 1 within 90 days. It's a direct attempt to bring FICO-style credit infrastructure to DeFi, enabling undercollateralized lending.