> For the complete documentation index, see [llms.txt](https://creditslink.gitbook.io/lightpaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://creditslink.gitbook.io/lightpaper/about-creditlink.md).

# About Creditlink

As the Web3 ecosystem matures, the volume and richness of on-chain user behavioral data have grown exponentially. However, the absence of a standardized identity and credit scoring system still forces decentralized applications—especially DeFi and DAOs—to rely heavily on over-collateralization or off-chain identity verification, limiting innovation and financial inclusion.

This project aims to build an **AI-powered on-chain credit scoring infrastructure** that:

* Analyzes multi-chain wallet behavior,
* Output AI-based on-chain credit scores and reports
* Supports various credit-based apps