CredLink: On-Chain Credit Bureau

CredLink is an on-chain credit bureau that stores a canonical score per wallet. A Chainlink CRE workflow computes a score off-chain, reaches consensus, and writes the score on-chain for DeFi consumers.

Architecture

HTTP Trigger -> Fetch Scoring API -> Compute Hashes -> Consensus -> Chainwrite setScore()

Components

• contracts/: CreditBureau registry + LoanManager consumer policy
• scoring-api/: deterministic scoring API (mockable)
• workflow/: CRE workflow that hashes signals and writes to Sepolia

Where Chainlink/CRE is used

• The CRE workflow fetches the scoring API, performs hash computation, reaches consensus, and performs the chainwrite to CreditBureau.setScore(...).

Product Flow (User → Admin → Chainlink CRE)

User UI
  ↓
app-api (request + email)
  ↓
Admin UI (approve)
  ↓
CRE Workflow (HTTP trigger)
  ↓
Consensus → Chainwrite
  ↓
CreditBureau
  ↓
User UI (score + loan quote)