Von Ralf Keuper

Seit einiger Zeit gibt es Bestrebungen, das Credit Scoring zu modernisieren und an den digitalen Alltag der Kunden anzupassen. Beispielhaft dafür sind affirm, Kreditech, Big Data Scoring und bonify.

Einen Schritt weiter geht Bloom mit seinem Bloom Protocol – Decentralized credit scoring powered by Ethereum and IPFS.

Zur Philosophie:

Bloom is a standardized, programmable ecosystem to facilitate on-demand, secure, and global access to credit services. Bloom presents a novel approach to credit risk assessment allowing both traditional fiat lenders and digital asset lenders to issue compliant loans on the blockchain while increasing competition to lower fees and improve borrower experience at every layer of the credit issuance process.

Die drei Hauptbestandteile: 

1. BloomID (Identity Attestation): BloomID creates a global secure identity, allowing lenders to offer compliant loans globally, without forcing borrowers to expose personal information.

2. BloomIQ (Credit Registry): BloomIQ is a system for reporting and tracking current and historical debt obligations that …

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