collaborators

1 paper

q-fin.RM2026

zLend: A Dual-Scope Cash-Flow Reconstruction Framework for On-Chain Credit Underwriting

Girish G N, Ashutosh Sahoo, Akshay SP +2

Decentralized lending lacks a credit bureau: a borrower's capacity to repay must be inferred entirely from public on-chain activity, without income verification or a liability reco…